ucm — Smart Budget & Finance
Take control of your money in minutes. No bank connection. No subscription. No complexity.
ucm is a personal finance app built for people who want clarity without compromise — track spending, set budgets, understand your financial health, and know your net worth, all from one beautifully simple app.
FINANCIAL HEALTH SCORE
Get a single 0–100 score that tells you exactly where you stand. Built from five real signals: runway, savings rate, fixed-cost ratio, debt load, and budget streak. No guessing — just clarity.
YOUR WEEKLY MOVE
Every week, ucm surfaces the one thing you should focus on. Not a list of warnings — one specific, actionable step based on your actual numbers.
REAL HOURLY WAGE & RUNWAY
See how many months you could live on your current balance — and what every purchase really costs in hours of your life. Two numbers that change how you think about money.
BUDGETS THAT ACTUALLY WORK
Set monthly budgets by category and watch your spending update in real time. The clean, distraction-free interface makes it easy to stay on track every single day.
SCAN RECEIPTS INSTANTLY
Point your camera at any receipt and ucm reads it automatically — extracting the total, merchant, and suggested category.
SAVINGS GOALS
Create goals for anything — emergency fund, vacation, new gear. Set a target, add contributions, and track progress visually until you get there.
CREDIT CARDS & INSTALLMENT PLANS
Track multiple cards with their exact billing cycles. Split purchases into monthly installments and ucm schedules every charge automatically — so you always know what's coming.
RECURRING TRANSACTIONS
Set up bills, subscriptions, and recurring income. ucm keeps track automatically so nothing slips through.
50/30/20 GUARDRAILS
The proven budgeting rule built right in. See instantly how your spending compares to the 50% needs / 30% wants / 20% savings benchmark.
SPLIT TRANSACTIONS
Split any expense across multiple categories in one tap. Perfect for grocery runs that mix food, household, and personal items.
Move money between accounts without skewing your totals, and track every credit-card statement — paid, due, or overdue — in one place.
MONTHLY REVIEWS
End each month with a full picture — total spending, top categories, savings rate, and a comparison to last month.
NET WORTH TRACKER
Log assets and liabilities to see your true net worth over time. Know exactly where you stand financially.
CSV EXPORT
Export transactions in standard or QuickBooks-compatible format — ready for taxes, accountants, or your own spreadsheets.
PRIVATE BY DESIGN
Your data lives on your device and syncs privately via iCloud. No account required. No ads. No data selling. Works fully offline.
ucm Pro — One-Time Unlock
One purchase unlocks every Pro feature, forever. No subscription, no recurring fees. Includes Family Sharing across all your Apple devices.
Download ucm and start your first budget in under two minutes.
Ratings & Reviews
This app hasn’t received enough ratings or reviews to display an overview.
Track your car, to the kilometre.
The big addition this release: Car Mileage. Log your odometer and ucm turns your spending into a real cost-per-km — fixed costs and running costs, separated honestly. Find it in Settings → Vehicle.
Also new in 1.6:
- A fresh Liquid Glass look on iOS 26
- Lock Screen widgets — your budget at a glance, tap to log an expense
- Undo a card payment if you tap by mistake
- Clearer Insights — month-to-date now compares fairly against the same days last month
- Gentle sound effects for the moments that matter
- Big accessibility upgrades: full Dynamic Type, VoiceOver, and audio charts
…and a few hidden surprises for the curious. Try pressing and holding things.
Plus accuracy improvements across budgets, net worth, and split transactions. Thank you for using ucm.
Version 1.6
The developer, Thomas SantAnna Crosara Teixeira, 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
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
Thomas SantAnna Crosara Teixeira
Size
11.7 MB
Category
Finance
Compatibility
Requires iOS 26.2 or later.
iPhone Requires iOS 26.2 or later.
iPad Requires iPadOS 26.2 or later.
Mac Requires macOS 26.2 or later and a Mac with Apple M1 chip or later.