Budget iQ: Expense Tracker
Track Spending Real Time
Only for iPhone
Free · Designed for iPhone. Not verified for macOS.
iPhone
Stop finding out you overspent after it's too late. BudgetIQ shows your real limit, every day, in real time. Your money, finally visible.
Most people carry multiple credit cards. Transactions don't post instantly — sometimes days later. By the time your balance catches up, you've already overspent without even knowing it. Then the bill arrives, and that's when the damage shows.
Budget iQ fixes that. Log what you spend the moment it happens. Set your limit, track in real time, and always know exactly where you stand — no surprises when the statement drops.
KEY FEATURES
— A number that actually means something. Not your balance. Not your credit limit. Your spendable — what's truly left after bills, savings, and real life.
— A ring that tells the truth. Watch your progress ring fill in real time. Gold means you're barely getting started. Green means you're in a safe zone. Yellow means slow down, you're getting close. Red means stop — you're at the edge. No guessing, no spreadsheet required.
— Spending broken down, not buried. See exactly how much went to groceries, gas, dining, and everything else — with visual charts that make patterns impossible to ignore.
— Insights that connect the dots. See your daily average spend at a glance, your top spending categories ranked by how much of your budget they're eating, and a full category-by-category breakdown — so the patterns show up before they become a problem.
— Money in, tracked separately. Cashback, dividends, gifts from mom — money that flows in but isn't income. Budget iQ catches it all so your picture is always complete.
— A plan before the month hits. Map out income, bills, and savings in advance. Know your spendable number before you swipe once.
— Set limits by category, not just overall. Give groceries $400, dining $150, gas $100 — whatever fits your life. Budget iQ tracks each one separately, so you know the moment dining starts creeping past its line, not just when your whole budget does.
— Rollover or fresh start — you choose. Leftover budget at the end of a period? Roll it forward and reward yourself. Or wipe the slate, start clean, and bank your leftover. Your call, every time.
— Tag it, then find it. Ever try to remember how much that trip to Cancun actually cost — flights, food, the random Uber rides — three months later? Or how much you've spent on her this year across multiple scattered credit cards? Your bank statement can't tell you. It just sees amounts, not stories. Budget iQ does. Tag any transaction — #vacation, #her, #trips — and later, just search the tag. See the total, see every purchase, instantly. The story behind your money, finally in one place.
— History that actually teaches you. Every transaction archived by period. Scroll back, spot the patterns, reconcile your credit cards, and finally understand where it all went.
— Your rules, your schedule. Daily, weekly, or monthly — budget on your cycle, not the calendar's.
NO BANK LINKING. NO DATA SELLING. JUST HONESTY.
Other budgeting apps ask you to link your bank account, scan your subscriptions, even pay your bills for you. It sounds helpful — until you realize what's really happening. Your financial data becomes their product, sold to advertisers and data brokers while you're left wondering why your inbox is suddenly full of "personalized offers."
Budget iQ doesn't want your bank login. We don't need it. You log your spending, you stay in control, and your data stays yours.
Because the goal was never to automate your finances away from you. It's to help you actually see them. You can't fix what you can't see — and once you can see it, you're already halfway to fixing it.
Download Budget iQ today and start seeing where your money actually goes.
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The developer, Grounded Minds 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 Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Grounded Minds LLC
- Size
- 52.4 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.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- Copyright
- © 2026 Grounded Minds LLC