Budget Utopia

Smart Budget & Money Planner

Only for iPhone

Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.

iPhone

NEW: Meet your AI Money Coach — ask anything about your spending, savings, or goals in plain English. Get instant, personalized answers. (138 chars) Take control of your money — without the spreadsheets, the bank logins, or the overwhelm. Budget Utopia is the simplest way to budget, save, and watch your net worth grow on iPhone. Set up your first budget in under 60 seconds, then turn saving into something you actually look forward to. WHY BUDGET UTOPIA? Most budgeting apps make you link every bank account, surrender your data, and stare at confusing charts. We took a different approach: clean, beautiful tools that put you in the driver's seat — your data stays yours, and the app stays out of your way. Whether you're paying off debt, saving for your first home, building an emergency fund, or just trying to stop wondering where your paycheck went — Budget Utopia helps you make real progress, every single month. WHAT YOU CAN DO • Build smart monthly budgets across every category — housing, food, transportation, entertainment, and more • Track every transaction and see exactly where your money goes • Set savings goals and watch your progress grow with every deposit • Join savings challenges — gamified streaks designed to help you save hundreds (or thousands) without feeling deprived • Track your full net worth — assets, investments, real estate, debts, all in one view • Manage recurring subscriptions and stop paying for things you forgot you signed up for • Earn badges as you hit milestones — common, rare, and legendary achievements that celebrate your progress • Get reminders that actually help (not the kind that make you ignore your phone) WHO IT'S FOR • First-time budgeters who want a beautiful, no-jargon starting point • Couples and families who need a clear shared view of household finances • Serious savers tracking net worth and building long-term wealth • Anyone who's tried YNAB, Mint, or Copilot and wanted something simpler PRIVACY FIRST We don't sell your data. We don't ask for your bank passwords. Your financial life is yours. FREE TO START Download Budget Utopia and start with full access to budgets, transactions, and savings goals — completely free. Upgrade to Premium any time to unlock advanced reports, unlimited savings challenges, full net worth tracking, and priority support. Start building healthier money habits, one small win at a time. Download Budget Utopia today and start your journey to financial peace of mind. Questions, feedback, or feature requests? We read every message. Reach out through the in-app support link — we'd love to hear from you. Terms of Service: https://budget-uto.replit.app/landing/terms.html Privacy Policy: https://budget-uto.replit.app/landing/privacy.html Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Ratings & Reviews

  • 3.0
    out of 5
    2 Ratings

Meet your new AI Money Coach — ask any money question in plain English and get a personal answer based on your real spending. Plus performance and stability fixes. NEW: AI Money Coach Ask anything — "Where am I overspending?", "Can I afford a $400 trip?", "Find subscriptions I could cancel" — and get a real answer grounded in your own transactions, not generic advice. Your data stays private. The Coach never recommends financial products and never sees your bank login. Also in this release: • Smoother onboarding • Faster transaction list • Bug fixes and performance improvements

Version 1.1.0

Subscriptions

In-App Purchases

The developer, Budget Utopia LLC, 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 Linked to You

    The following data may be collected and linked to your identity:

    • Purchases
    • Financial Info

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

Information

Seller
  • Budget Utopia LLC
Size
  • 51.8 MB
Category
  • Finance
Compatibility
Requires iOS 15.1 or later.
  • iPhone
    Requires iOS 15.1 or later.
  • iPod touch
    Requires iOS 15.1 or later.
  • Mac
    Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
  • Apple Vision
    Requires visionOS 1.0 or later.
Languages
  • English
Age Rating
4+
In-App Purchases
Yes
  • Lifetime Access $149.99
  • Premium Annual Subscription $59.99
  • Premium Monthly Subscription $6.99
  • Learn More
Copyright
  • © 2026 Budget Utopia
  • Developer Website
  • Privacy Policy

    • Supports

    • Family Sharing

      Some in-app purchases and subscriptions may be shareable with your family group when Family Sharing is enabled. Learn More

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