Unlocks the power of your bank or credit union.

Manages your money where it is.

Turns your bank accounts into digital cash envelopes.

Safely uses credit cards to access your money.

Continuously calculates how much money you have available to spend.


How it works:

1 - Organizes your money in separate bank accounts based on how you plan to use it.

2 - Automatically uploads your bank balances and credit card charges into the app.

3 - You decide which of your bank accounts will cover each of your charges.

4 - Merges your bank balances and credit card charges together (balances - charges) and calculates how much money you have available to spend.

5 - Creates a simple monthly transfer list. With just a few quick transfers, your credit card charges are covered and your money is organized.

It’s just that easy.


*Stop paying interest and start earning interest
*Maximize your credit card rewards
*Get and stay ahead of your money
*Never worry about credit card payments again
*Watch your savings grow
*Make your money go further
*Plan for your bills
*Stop stressing about debt
*Sleep peacefully at night
*Make your financial dreams a reality


Our $defenders earn hundreds and hundreds of dollars every year in credit card rewards and never worry about falling into debt.

They also save A LOT of money.

What are you waiting for?
It’s time to Defend Your Money!

“Defend Your Money has actually made managing my money a positive experience! Using the app, I can track my spending, assign credit card charges and save for future expenses. Worth every penny!”
~ Emily R.

"I want to sincerely thank you for helping me get my money life in order. To not be afraid of money, to feel in control of my money, to actually want to talk about my money - Amazing! Thank you"
~ Sally M.

"I’m loving Defend Your Money! I’ve actually found myself looking forward to the times when I get to work on it. It’s way less work than what I’ve done in the past and I feel like I’m more organized. Thank you!"
~Melissa S.


We are committed to your security.

We enforce a strict level of encryption, similar to banks (SSL /TLS1.2), on all requests to our apps as well as all data requested or sent by the apps.

All data stored with us is encrypted using an advanced standard (AES-256) or better. The encryption is done with symmetric keys. We also encrypt the keys and change them regularly. In addition, we double encrypt sensitive data like names and passwords.

The financial data we collect is read-only. No one, including you, can move or access money from your accounts using the DYM app.


DYM Plus is an optional subscription service, billed at a rate of $5.99/month or $65.99/year. Your first 30 days are free. You will be given the option to purchase a DYM Plus subscription following your free trial.

If you choose not to purchase a DYM Plus subscription, you will automatically be switched to DYM Basic which requires you to manually enter your bank balances and credit card charges.

Payment will be charged to your iTunes Account at the end of the trial period. Account will be charged for renewal within 24-hours prior to the end of the current period. Charge will identify the cost of the renewal.

DYM Plus subscriptions renew automatically unless auto-renew is turned off at least 24-hours before the end of the current period.

You may manage your subscription by going to your iTunes Account Settings.

We do not sell or share users’ data.

Terms of Service -

Security and Privacy Policy -

What’s New

Version 2.1.2

Say goodbye to spreadsheets and endless categories. Defend Your Money is just your money. Organized.

We are constantly working to improve our app. We hope you like these new improvements.

Ratings and Reviews

4.7 out of 5
6 Ratings

6 Ratings

EAReese ,

The BEST Budgeting System!!

Defend Your Money has actually made budgeting my money a positive experience! Using the app, I can track my spending, assign credit card charges, and stay on tracking with saving for future expenses. For those like myself that need the extra encouragement, DYM counts down the days until you need to budget your money and warns you when your monthly spending is off track! I love how intuitive and easy budgeting has become thanks to this app! Worth every penny!!

Developer Response ,

Thank you for the great response! We are so happy Defend Your Money has made budgeting a positive experience for you. This is exactly what we are hoping for. If you have any suggestions on how we can make the app even better we would love to hear it. We are constantly working to learn and improve. Thank you again for your kind words.

$tudog ,

Life changing program

Defend Your Money allows me to be in control of where my money goes each month. It is so liberating and brings peace of mind. It gives me greater confidence as I know that the money is already there before I spend it. They were so helpful in getting me set up and now it takes less than an hour once a month to keep track of my family’s income and expenses. I would highly recommend Defend Your Money!!

Developer Response ,

Thank you for your review! It's amazing how good it feels to have your money under control. Glad we can help.

Cleo-Jane2 ,

20 minutes and I’m done!

How many people can say they’ve finish thier budgeting for the month that quick?! And it’s so accurate! I finally feel in control and empowered about my money.

Developer Response ,

Thank you! Making budgeting quick was one of our top goals. Glad you like it.


Defend Your Money, LLC
25.7 MB

Requires iOS 11.0 or later. Compatible with iPhone, iPad, and iPod touch.



Age Rating
In-App Purchases
  1. DYM Plus (Monthly) $5.99
  2. DYM Plus (Yearly) $65.99


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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