Actual Budget is a calm and modern money manager that helps you understand what you can safely spend, stay ahead of bills, and build better financial habits without stress. Track expenses, income, savings, debt, cash flow, and net worth in one clean app built for iPhone and iPad.
Safe to Spend
See how much you can safely spend today or this week after bills and essentials. Actual Budget gives you a clearer view of your real budget before you spend.
Expense and Income Tracking
Add one-time or recurring expenses and income in seconds. Organize everything with categories, edit quickly with swipe actions, and review your money with search, filters, and clear totals.
Savings Goals
Create savings goals, track deposits and withdrawals, and follow your progress visually. You can also send part of your income directly to savings goals automatically.
Bills, Alerts, and Notifications
Get bill reminders before due dates, budget alerts at 75, 90, and 100 percent, savings milestone notifications at 25, 50, 75, and 100 percent, and optional weekly summaries.
Cash Flow, Debt, and Net Worth
Plan ahead with cash flow forecasting, manage debts with smarter payoff guidance, and track assets and liabilities to understand your net worth over time.
Widgets and Tips
Use 4 home screen widgets for Safe to Spend, recent expenses, upcoming payments, and savings progress. Explore 400 plus practical budget tips to build stronger money habits.
Currencies and Devices
Use 17 major currencies including USD, EUR, GBP, AUD, CAD, JPY, MXN, BRL, KRW, PLN, DKK, NOK, SEK, TWD, RUB, CNY, and TRY with live exchange rates and offline fallback. Enjoy dark mode, native iPad layouts, keyboard shortcuts, iCloud sync, and easy restore when switching devices.
Languages and Privacy
The app currently supports English, Spanish, French, German, Portuguese, Dutch, Italian, Korean, Japanese, Polish, Danish, Norwegian Bokmål, Swedish, Chinese Traditional, Russian, and Chinese Simplified with auto-detect. Your data is designed to stay under your control with local storage and iCloud sync, so budgeting stays simple, private, and reliable.
Purchase Required
Actual Budget is a premium app. A purchase is required to use the app and unlock the full experience, including tracking, planning tools, widgets, and advanced money management features.
Terms of Use: https://budgetppdevorbitlabs.netlify.app/terms
Privacy Policy: https://budgetppdevorbitlabs.netlify.app/privacy
I started using this app as a simple money tracker, but it quickly became my go-to for everything finance related. The budget planner free style setup makes it easy to see where every dollar is going, and the Safe to Spend dashboard is honestly brilliant. I’ve also set recurring income and bills, so I don’t have to enter the same things every month. Compared to My Emma or Bill com, this feels far more user-friendly and polished. The fact that it works offline and syncs instantly with iCloud just makes it even better.
Developer Response
Thank you so much for sharing your experience! It makes me really happy to hear the app is helping you stay on top of both daily expenses and longer-term savings goals. I put a lot of effort into making the app more than just a basic budget tracker—things like the Safe to Spend dashboard, recurring expenses, and bill reminders are all there to make money management less stressful.I’m also glad you’ve noticed how smooth the CloudKit sync is across devices and how the multi-currency support makes it easier to manage finances when traveling or earning in different currencies. Feedback like yours encourages me to keep refining the app—whether that’s improving the subscription manager, polishing the design for dark mode, or adding more insights to help people stick with their budgets.Thanks again for supporting the app and for taking the time to leave such a thoughtful review—it really helps a solo developer like me to keep building and improving.
Thank you
Grsuuu
This app deserves more attention. It combines the best parts of a savings tracker and a budget app into one seamless experience. I love that I can manage recurring income, subscriptions, and bills all in one place — basically a solid bill organizer plus a subscription manager. The visual savings goals keep me motivated, and the multi-currency support has been helpful when traveling. I’ve tried alternatives like Honeydue and Every Dollar, but this feels lighter, faster, and more private. Definitely worth the lifetime plan.
Developer Response
Thank you so much for taking the time to share this detailed review! It means a lot to hear that the mix of budgeting and savings features is working well for you. I built this app with the idea of combining everything into one place, so knowing that the savings goals, bill organizer, and subscription manager features are genuinely useful really motivates me to keep improving.I’m also glad to hear the multi-currency support has been helpful during your travels — that was one of the most requested features early on. Compared to bigger budget tracker apps, my goal has always been to keep things simple, fast, and private without losing the essential tools people rely on.Your feedback gives me great encouragement as I continue adding more improvements and financial tips to help make money management feel less stressful. Thanks again for supporting the app and for highlighting the lifetime plan — it truly helps independent developers like me to keep going.
Great app!
Frugal Goose
Incredibly user friendly, easy to set up and so far a great tool for getting on track!!
Developer Response
Thank you so much for the kind words! 🙏We’re really happy to hear that you found the app easy to set up and helpful right from the start. Making budgeting simple and approachable is exactly what we aim for.Thanks for taking the time to leave a review — it truly means a lot and helps us keep improving!
Very good app only a couple steps short of perfection.
Boginick
I am honestly thinking of dropping an other big-name budgeting app in favor of this one. I can see the direction it’s going and can see the promise it holds. There’s a few smaller items that can use some work, but the “big-picture” items are all excellent, making this an easy go-to for me, right now. My honest rating would be 4.5/5, but we can’t submit half-ratings.
Developer Response
Thank you so much for the thoughtful review. Comments like this genuinely mean a lot to us, especially coming from someone with experience using other budgeting apps. We’re continuously refining the smaller details while staying focused on building a budgeting experience that feels simple, modern, and genuinely useful long-term.If there’s ever a feature, improvement, or workflow you’d personally like to see, please feel free to reach out through our support email anytime. We read every message and are always happy to hear feedback from users who care deeply about the product. Thanks again for giving the app a chance and being part of the journey.
What's New on Actual Budget:
Your Chosen Currency Now Applies Everywhere
This update fixes an issue where the currency you selected during setup was not always used throughout the app, along with a visual polish to your first-week cards.
Currency Fix:
The currency you choose during setup now applies consistently across the entire app -- your Safe to Spend amount, income, and savings goals all display in your selected currency
Previously, some users saw their device's regional currency instead of the one they picked
Visual Polish:
Refined card styling in Light Mode for a cleaner, more consistent look during your first week
Thank you for using Actual Budget! Your feedback drives every improvement we make.
Version 1.5.1
Subscriptions
Yearly
You'll get entire premium features
Free Trial
Weekly
You'll get entire premium features.
$7.99
In-App Purchases
Life Time Plan
You'll get entire premium features
$69.99
The developer, Halim Ozturk, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Privacy practices may vary, for example, based on the features you use or your age. Learn More
The developer indicated that this app supports the following accessibility features. Learn More
Supported Features
Dark Interface
Differentiate Without Color Alone
Information
Seller
Halim Ozturk
Size
33 MB
Category
Finance
Compatibility
Requires iOS 18.0 or later.
iPhone Requires iOS 18.0 or later.
iPad Requires iPadOS 18.0 or later.
Mac Requires macOS 15.0 or later and a Mac with Apple M1 chip or later.
Apple Vision Requires visionOS 2.0 or later.
Languages
English and 15 more
English, Danish, Dutch, French, German, Italian, Japanese, Korean, Norwegian Bokmål, Polish, Portuguese, Russian, Simplified Chinese, Spanish, Swedish, Traditional Chinese