How many budgets can I create?

As many as you like. Budgets are free and unlimited.

Do I have to connect my bank?

No. Balance never asks for a bank login. Transactions come from a CSV file your bank lets you download, from Apple Pay through the Shortcuts app on your iPhone, or from quick add.

What happens if I go over a limit?

Nothing dramatic. You get an in-app notification (and an email, if you turn that on), the category shows how much it is over, and next month starts fresh.

Can Balance move money for me?

No. Balance has no connection to your bank at all, so it can never move money. It only works with the transactions you bring in.

Smart budgets

Budgets that bend. Not break.

Set a monthly limit for each category, see exactly where you stand, and get a heads-up at 80% before you go over. Suggested limits come from your real spending, so your plan stays realistic.

Get started free See pricing

Illustrative example with sample data.

How it works

Three steps. Then it runs itself.

You can have a working budget in a few minutes. No spreadsheets, no formulas.

Bring in your spending

Import a statement file from your bank or card company, log Apple Pay payments automatically with an iPhone Shortcut, or type a quick add.

Get a suggested plan

When you add a budget, Balance suggests a limit from your average over the last 3 months. Adjust anything you like.

Stay on track

Watch each category fill up as you spend, with a safe-per-day amount, and get an in-app notification at 80% and 100%.

Capabilities

Flexible by design. Calm by default.

Everything you need to keep a budget that fits your life, not the other way around.

Smart rules

Rules sort new and imported transactions into categories: exact, starts with or contains. Set one once and it keeps working.

Safe to spend

Each budget shows what is left and a safe amount per day for the rest of the month.

Alerts at 80% and 100%

An in-app notification (optionally by email too) when a category reaches 80% of its limit, and another if it goes over. No guilt, just a heads-up.

Month by month

Step back through earlier months to see which budgets you kept and where you went over.

Split purchases

Split one purchase across categories, and each part counts toward the right budget.

Pace tracking

A marker shows where today falls in the month, so you can tell at a glance if you are ahead of pace or behind.

FAQ

Questions, answered.

Still curious? Visit the help center.

Keep exploring

A budget you will actually keep.

Start with suggested limits in minutes. Budgets are free, with no limits.