Neptune: Budgeting & Finance

Spend, Budget, Repeat

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

Neptune: Budgeting & Finance Connect your bank, and Neptune does the rest. Every transaction is automatically categorized, every subscription surfaced, every bill tracked — so you actually know where your money goes and what's coming next. Built for people who want clarity without spreadsheets, Neptune turns your accounts into a living picture of your finances. See your cashflow in real time, set budgets that adapt, and get gentle, plain-English coaching the moment something looks off. Why people use Neptune • Connect every account in seconds with secure bank linking • Watch your money move with a live cashflow view • Stop forgetting about Netflix, the gym, or that random $4.99 — Neptune finds your subscriptions and bills automatically • Know the difference between essential bills (rent, utilities, insurance) and discretionary subscriptions, side-by-side • AI categorization that actually learns your spending — no rules to write • Build a budget in minutes with one of five strategies (Zero-Based, 50/30/20, Envelope, Flex, or fully custom) • Track goals — emergency fund, vacation, a big purchase — and see them grow alongside your spending • Pull up any past day to see exactly what your finances looked like at that moment • Share with a partner via household invites — everyone sees the same source of truth • Visual spending breakdowns with pie charts (Base+) • Advanced insights, forecasting, and goal projections (Base+) • Unlimited AI coaching that surfaces insights like "you spent 40% more on dining this month" — without the lecture (Base+) Privacy first Your bank credentials never touch our servers. We use bank-grade encryption (Plaid) and never sell your data. Read-only access, always. Neptune is the budgeting app for people who'd rather understand their money than wrestle with it. — SUBSCRIPTION REQUIRED — Neptune requires an active subscription to use. After installing, choose between two paid plans: • Base — full budgeting, transactions, bank syncing, and limited AI suggestions. • Base+ — everything in Base, plus unlimited AI coaching, pie charts and visual breakdowns, advanced insights and forecasting, goal projections, and multi-account dashboard. Pricing: • Base Monthly — $8.99/month • Base Yearly — $95.99/year • Base+ Monthly — $16.00/month • Base+ Yearly — $179.99/year Payment will be charged to your Apple ID account at confirmation of purchase. Subscription automatically renews unless auto-renew is turned off at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period. You can manage and cancel your subscription by going to your Apple ID account settings after purchase. Terms of Use: https://neptunebudget.com/terms Privacy Policy: https://neptunebudget.com/privacy

  • 4.0
    out of 5
    1 Ratings

What's new in 1.4.0? A home screen that feels like your wallet Your dashboard now opens on your accounts as real bank cards — balance front and center, with the last four digits of each account right on the card. Swipe between your connected banks like flipping through a wallet, and whichever card you land on filters your whole dashboard — transactions, budget, everything — to that account. Notifications, right where you land Your most recent alert now lives on the home screen instead of tucked away. Swipe it aside to clear it, or tap through to see them all — so you catch up the moment you open the app. Your top actions, one tap away Ask Neptune AI and Sort spend now sit right on your accounts. Jump straight into the assistant or auto-categorize your spending without hunting for a button. A dashboard that leads with what matters Recent transactions and your subscriptions now sit above the budget cards, so the things you check most are the first things you see. A little more personality The empty corners of the app aren't so empty anymore — you'll find some friendly faces waiting wherever there's nothing to show yet. Every card carries its own subtle, one-of-a-kind detailing, and your accounts animate in with a smooth, dealt-into-place feel each time you open the app. Cleaner, calmer, top to bottom A bold new full-width account header anchors the home screen, the status bar adapts as you scroll, and everything stays crisp and consistent across light and dark.

The developer, Service Storm, 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:

    • Financial Info
    • Contact Info
    • Identifiers

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

Seller
Service Storm, LLC
Size
60.7 MB
Category
Finance
Compatibility
Requires iOS 15.1 or later.
  • iPhone
    Requires iOS 15.1 or later.
  • iPad
    Requires iPadOS 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
13+
In-App Purchases
Yes
  • Base+ $16.00
  • Base+ $179.99
  • Base $95.99
  • Base $8.99
Copyright
© Spencer Smith 2026