Questions about CustomBudget

You decide an amount for each category before the month starts, then spend down from that amount rather than from one big balance. CustomBudget shows each envelope as a bar with the amount you set, the amount you have spent and the amount left.

No, and it cannot. There is no bank linking, no aggregator, no statement fetching and no email scanning. You enter what you spend, which takes a few seconds a day.

Positive balances carry into next month on any envelope you have enabled rollover for. Overspending does not carry, so a bad month does not punish the next one.

Yes. Set the month to start on any day from the 1st to the 28th and everything follows it: rollover, the header totals, the charts and the month-end nudge.

No. A transfer is recorded as a transfer, and it is excluded from spending, from income, from what is left to budget and from every chart total. Paying a credit card off a checking account does not show up as a $400 expense.

A bill reminder 1, 3 or 7 days before a recurring payment at 9am, an alert when an envelope crosses 80% and again at 100%, and a nudge the day before your budget month rolls over. All of them are scheduled locally by your phone.

Sixteen, including one for income, so fifteen spending envelopes plus somewhere to file a paycheck. You can rename them, build your own from 29 icons and 12 colours, or ignore them entirely.

Retire it. The envelope leaves your budget list, its past transactions stay exactly where they are, and its spending still appears in the charts.

Twenty-six. Every one is displayed to two decimal places, which is why a handful of currencies with no minor unit are not offered rather than being shown incorrectly.

No. There is no network call in the money path at all - no sync, no server, no ads - and nothing about how you use it is sent anywhere. It behaves the same in a basement as it does on wifi.

iPhone and Android phones. There is no iPad version; the layouts are built and tested for phone screens.

CustomBudget is free to download from the App Store, and this version has no in-app purchases and no subscription. Exporting your own data will never sit behind one, because it is your data.