Own Your Budget - OYB
Modern Zero-based Budgeting
Only for iPhone
Free
iPhone
Own Your Budget.
A premium, modern zero-based envelope budgeting app that helps you be smarter with your money and know exactly where it goes.
Build & Share Your Budget
Hop in and build your own budget and share it with a buddy (completely free, syncs in real time). Your planned income sets the total, and it is always editable. Budget every category, create your own, and keep going until every dollar has a job. Money left over? Auto assign the rest in one tap.
Budget Home
A beautiful hero card fills as you log income and expenses through our own custom keyboards. See total spent with your transaction count, daily average, and top category. See what you have earned and your daily income. Track net income (earned minus spent equals saved) and build a No Spend daily streak. Always know where your budget stands and how much you can spend each day to stay under it.
Transactions & Categories
Assign transactions in a few taps, then open a clean categories screen. Tap any category to see its transactions, and hold one down to edit, recategorize, split, or delete it. Reset or edit your budget anytime your numbers change.
Debt Payoff
List every debt and set a monthly payment for each. Log each payment against the right debt and stay on plan. Very simple.
Accounts (Private, or sync with Plaid)
Add manual accounts, from Checking to Credit Cards, to track balances. Get OYB Membership to link your banks securely with Plaid and auto sync balances and transactions every time you swipe. Accounts also shows your cash runway, average monthly budget, and average savings.
Security & Privacy
Your money stays your business. Bank connections run through Plaid, trusted by many finance apps. You enter your login with Plaid, so OYB never sees or stores it, and OYB gets read access, never write access. It can never move, send, or spend your money, and you can disconnect anytime. Lock OYB behind Face ID or your passcode. No ads, and your data is never sold.
More
Export your full budget as a spreadsheet anytime. Add Home Screen widgets for spending, categories, a monthly heatmap, and insights. Everything syncs privately through your own iCloud across your devices. Set a daily reminder, and switch your currency with one tap.
Themes
Make OYB yours, from clean black and white to living animated themes. Part of OYB Membership, can try with a free 3 day trial.
OYB Membership
OYB is free to use. Build, log, track debt, and export with no paywall. Membership unlocks secure bank linking with Plaid, smart category assignments, every theme, and bonus insight widgets.
Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
1.4.2 Hotfix:
Our latest 1.4.1 update created a bug that made the add transaction and transactions above it when the keyboard appeared and disappeared freeze and displace the entire screen. This has been fixed. Please continue to send feedback/bug reports to help.oyb@yahoo.com. Thank you!
The developer, TD Studios, 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:
- Financial Info
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Identifiers
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- TD Studios, LLC
- Size
- 11.5 MB
- Category
- Finance
- Compatibility
Requires iOS 26.0 or later.
- iPhone
Requires iOS 26.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- Copyright
- © 2026 TD Studios, LLC