Budget tracker,
simplified.
Know exactly where your money goes. Track income, expenses, and disposable income — all in one beautifully simple app.
What is Budgitrack?
Budgitrack is an iOS budget tracking app that gives you a clear picture of your finances without connecting to your bank. Enter your income sources and recurring expenses, and Budgitrack instantly calculates your disposable income, breaks down spending by category, and projects your savings over 3, 6, and 12 months. Unlike bank-linked budget apps such as Emma or Plum, Budgitrack uses manual entry so your banking credentials are never shared with anyone. All financial data is stored locally on your iPhone or iPad — nothing is uploaded to the cloud, and our servers never see your numbers. Built by Recurse Ltd. in the UK, Budgitrack is designed for people who want financial clarity with complete privacy. The free tier includes a full budget with projections. Premium unlocks unlimited budgets, CSV export, widgets, and smart alerts from £1.99 per month, with a £29.99 lifetime option.
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Join the waitlist and we'll notify you as soon as Budgitrack is available on the App Store.
Budget tracker features
Disposable income at a glance
Budgitrack calculates your disposable income by subtracting all recurring expenses from your total income. You see one clear number that updates instantly whenever you add or change an item — no manual maths, no spreadsheet formulas, no waiting for bank transactions to sync.
Category breakdown
Visual charts show exactly where every pound goes. Assign each expense to a category — housing, transport, subscriptions, groceries, entertainment — and see percentage breakdowns that reveal your largest commitments at a glance.
Stats & projections
Budgitrack projects your savings trajectory over 3, 6, and 12 months based on your current income and expenses. See concrete figures for where you’ll be financially if nothing changes — and use that clarity to make better decisions today.
Multiple budgets
Keep personal and business finances completely separate with multiple budgets. Each budget has its own income sources, expenses, categories, and projections. Switch between them instantly without any data overlap.
How Budgitrack works
Designed to feel like a native part of iOS. Every screen serves a purpose, every detail is considered.
All your income, one place
Salary, freelance, side hustles, rental income. Add them all with their frequency and currency, and watch your total update instantly.
Every outgoing, categorised
Rent, utilities, subscriptions, groceries. Group your recurring expenses by category and see exactly where your money is committed.
Forward-looking
See where you'll be in 12 months
Budgitrack projects your financial trajectory based on your current income and expenses. No guesswork, just clear numbers showing your savings growth over 3, 6, or 12 months.
3 months
+£7,350
6 months
+£14,700
12 months
+£29,400
Your way
Flexible by design
Choose your budget period, set your display currency, manage custom categories, and switch between multiple budgets. Budgitrack adapts to how you manage your money, not the other way around.
Frequently asked questions
Yes! The free tier includes a full budget with 1 income source and up to 10 expenses. No credit card required, no time limit.
Multiple budgets, unlimited items, CSV export, home screen widgets, and smart alerts that notify you when spending trends change.
No. Budgitrack is intentionally simple — you enter your own figures so you stay in control and your banking credentials are never shared.
Absolutely. All budget data is stored locally on your device. We don’t have servers that store your financial information.
Budgitrack is a universal iOS app for iPhone and iPad. It requires iOS 17 or later.
Yes, anytime through your Apple ID settings. You’ll keep Premium access until the end of your current billing period.