What CustomBudget does

Everything in the build that is on the App Store, and nothing that is not. No roadmap items, no beta flags, no “coming soon” - whatever is missing is named at the bottom of this page instead.

Envelopes that match your real month

Give every category an amount and watch it draw down as you spend
Money left in an envelope rolls into next month; overspending does not follow you
Set your month to start on any day from the 1st to the 28th, so your budget matches your payday instead of the calendar
Starts with 16 envelopes, including one for income, or build your own from 29 icons and 12 colours
Retire an envelope without losing its history

Fast entry, honest math

A big keypad built for one-handed entry in a checkout queue
Payee, note, account and date when you want them, none of them required
Cash, checking, savings and credit accounts
Transfers between your own accounts are tracked but never counted as spending
Every amount is exact to the cent, with no floating-point drift

Reminders that arrive

Bill reminders 1, 3 or 7 days ahead of a recurring payment, at 9am
An alert when an envelope reaches 80% and again at 100%, while you can still do something about it
A month-end nudge the day before your budget month rolls over
Every reminder is scheduled by your phone. Nothing is sent anywhere

Recurring bills on autopilot

Weekly, every two weeks, monthly, quarterly or yearly
Post automatically on the due date, or hold for you to confirm
Catches up correctly after you have been away from the app

See where it went

A spending ring that adds up to exactly what you spent, including retired envelopes
Budgeted against actual, worst overspend first
Uncategorised spending is shown, never quietly hidden

Privacy first by design

No account and no login
No bank linking and no email scanning
No cloud, no sync, no server
No ads, and nothing about how you use the app is sent anywhere
Works completely offline, always

Your data stays yours

Export a full backup to Files, iCloud Drive, email or AirDrop
Restore in one tap, with a seven-day undo if you change your mind
Delete everything permanently whenever you want
Backup and export are free forever, because it is your data

Built to read well

Light and dark themes
26 currencies
Money columns that line up properly instead of jittering

What it does not do

Better to find this out here than three envelopes into your first month.

Importing a bank statement or a CSV file. You enter transactions yourself.
A six-month spend trend, a top-payees list, or automated insight summaries. The spending ring and the budgeted-against-actual breakdown are what ship today.
An iPad layout. CustomBudget is built and tested for phone screens.
Cloud sync, shared budgets, or any way to see your budget on a second device without restoring a backup onto it.
A paid tier. This version has no in-app purchases and no subscription.

How envelope budgeting works →Frequently asked questions →