MoneyBadger Budget
Work hard. Build your future.
Only for iPhone
Free · Designed for iPhone. Not verified for macOS.
iPhone
MoneyBadger Budget tells you exactly where to put your money, before you spend a dime.
Most budgeting apps track what you've already spent. MoneyBadger is different. It's prescriptive: you tell it your take-home pay, and it gives you a specific dollar amount for every part of your life, housing, retirement, savings, fun money, using a 50/30/20 framework with categories tuned to how essential workers actually get paid.
WHO IT'S FOR
Built for the people who serve the country:
- Firefighters
- Police & corrections officers
- EMTs and paramedics
- Nurses
- Teachers
- Active-duty military
- Veterans
- 911 dispatchers
If your paycheck has overtime, union dues, BAH/BAS, a pension, a 457(b), or PSLF, generic budgeting apps weren't built for you. MoneyBadger was.
HOW IT WORKS
1. Pick your profession
2. Enter your take-home pay (weekly, bi-weekly, twice-monthly, or monthly)
3. Get your full budget in seconds
That's it. No bank connection. No account required. No tracking app to live in.
YOUR PLAN INCLUDES
- Monthly budget across all categories (housing, food, transport, utilities, healthcare, lifestyle, retirement, sinking funds, emergency fund)
- Profession-aware categories (union dues, pension contributions, BAH, PSLF eligibility surfaced where relevant)
- 50/30/20 rule applied with clear allocations
- Automatic Debt Attack Mode if you carry student loans, credit cards, or a car note
- Future Self projections at 1, 5, and 10 years (in the full plan)
- Recommended account structure (checking, HYSA, retirement)
- Sources and methodology you can audit
BUILT ON RESEARCH
Founded by a Wharton MBA student. Defaults grounded in:
- U.S. Bureau of Labor Statistics - Consumer Expenditure Surveys
- USDA Food Plans Cost Reports
- Warren & Warren Tyagi (2005), "All Your Worth"
- Thaler & Benartzi (2004), "Save More Tomorrow"
- MIT Living Wage Calculator
PRIVACY POSTURE
We don't sell, rent, or broker your data. Ever. The numbers you enter stay on your device. No bank connection required. No account to create.
NOT FINANCIAL ADVICE
MoneyBadger Budget is an educational and budgeting tool, not a registered investment advisor. Our defaults are research-backed and transparent, but you (or a licensed advisor) make the final call.
Questions? feedback@moneybadger.us
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
A top-to-bottom refresh: clearer language, a sharper look, new guides in the Library, and refined profession-specific budgeting. Same one-number simplicity.
The developer, David Coles, 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
- David Coles
- Size
- 2.7 MB
- Category
- Finance
- Compatibility
Requires iOS 15.0 or later.
- iPhone
Requires iOS 15.0 or later. - iPod touch
Requires iOS 15.0 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 David Coles