Black & White Budget — opinionated, monochrome, beautifully simple personal budgeting.
Built around one idea: see exactly what's coming in, what's going out, and what's left to spend. No rainbow charts. No category overload. No subscription.
THE DESIGN
• Strict monochrome — no green, no red, no opinion-by-colour. Hierarchy comes from typography and weight, the way good print does.
• Every interaction respects the same 4pt grid. SF Rounded everywhere.
• Private by design — no login, no account, no telemetry. Your data lives on your device, or in your private iCloud with optional sync (Pro).
THE BASICS
• Add income and expense in seconds.
• Create categories and sub-categories with built-in icons.
• Set a monthly spending limit on any category. When you cross it, the app offers a "split" — push the overage into another category, cascading until everything fits, or choose to go over.
RECURRING
• Rent, salary, subscriptions — set them once, let them fire on their schedule.
• Upcoming view shows the next 30 days of expected income and expense, with a "balance after" line so you know what's actually free to spend.
INSIGHTS
• Monochrome donut breaking down spend by category for the focused period.
• Trend chart of income vs expense over days, weeks, months, or years.
• Plain-English deltas: "$120 less spent than last month."
NOTIFICATIONS
• Reminders when recurring transactions fire.
• "Due tomorrow" reminders before they fire.
• Low-balance alert when your total drops below your threshold.
SHARING & EXPORT
• Export everything to CSV or JSON via the native share sheet.
• Home-screen widget shows Capital + this-month flow at a glance.
• Long-press the app icon for "Add income" / "Add expense" quick actions.
OTHER
• Multiple budgets — Personal, Work, Family — switch with one tap.
• Two app icon variants — default and inverted.
• Replay the walkthrough any time from Settings.
Free. No ads. No subscription. A single one-time purchase unlocks Pro — iCloud sync across iPhone, iPad, and Mac.
Ratings & Reviews
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B&W Budget Pro now does a lot more — and if you already have Pro, it’s all yours.
• Year in review: your whole year on one page — what you saved, where it went, your best month — with a poster to share.
• PDF statements: any month or year, one account or all, ready for tax time or your accountant.
• Private AI: categories that fill themselves as you type, plain-words questions in Search (“How much on food in September?”) and one quiet line on Home. It runs on your device; nothing leaves it. Needs Apple Intelligence.
Also in this update:
• A cleaner tab bar, one amount size everywhere, every figure on the right in Money, and a roomier Add screen on iPad.
• Fixed: the app could open to a blank screen on some launches.
Version 1.4
The developer, Juan Pierre Lotter, 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