Designed for iPhone, iPad & Apple Watch

Budget without handing over your bank.

Q: What if I switch phones or reinstall?

Sign in on the new device and everything comes back. Nothing is lost by deleting the app.

You type in what you spend. Budgetpeer does the math, including every Buy Now Pay Later installment. Nobody else sees a thing.

Budgetpeer on iPad: the Dashboard with net balance, expenses, BNPL payments, savings rate and a 12-month income vs expenses chart

Budgetpeer on Apple Watch: this month's budget, 39% used, 17 days left, with income, spent and remaining

Early bird discount available ↓

Tired of Choosing Between Spreadsheets and Surveillance?

Simple tools to track your spending, manage BNPL payments, and actually understand your budget.

Illustrated man looking overwhelmed surrounded by spreadsheet formulas, dollar signs, and percentage symbols

The Spreadsheet Trap

Google Sheets works until it doesn't. No charts, no insights, and one wrong formula breaks everything.

Google Sheets works until it doesn't. No charts, no insights,
and one wrong formula breaks everything.

The Privacy Trade-Off

Most budget apps want your bank login before you even try them. Your spending data shouldn't be someone else's product.

Most budget apps want your bank login before you even try them.
Your spending data shouldn't be someone else's product.

Illustrated classic bank building with teal columns, representing budget apps that require your bank login

Illustrated woman carrying a backpack overflowing with scattered price tags and payment amounts

The BNPL Black Hole

Using Afterpay, Klarna, or Affirm? Those payments hit your budget across multiple months - and no app tracks them properly.

You type it.
That's the point.

Typing $14.20 for lunch is how you find out you spend $14.20 on lunch. The act of entering it is the budgeting - everything after that is just a chart. It sounds like more work, and it is a little. What you get back is a number you trust, because you put it there.

Early bird discount available ↓

For iPhone, iPad and Apple Watch

Pay in 4? See all 4.

Illustration of one purchase split into four installments, each shown on its own due date

Split a purchase into four, and most budget apps show you the first payment. The other three land over the next months, unplanned, and quietly wreck the budget you thought you had.

Budgetpeer treats it as what it is: money you owe. Enter the purchase once - total, number of installments, first due date - and every future payment shows up on the date it's actually due. Your budget reflects what you owe, not just what you've paid so far.

Split a purchase into four, and most budget apps show you the first payment. The other three land over the next months, unplanned, and quietly wreck the budget you thought you had.

Try it with your own purchase in the BNPL calculator →

Every plan, one number

All your installments in one place, so "how much do I owe in October" has an answer.

Reminded before it's due

A notification 7 days and 1 day before each installment.

Any provider

Afterpay, Klarna, Affirm, PayPal Pay in 4, Zip, Sezzle, or the one that launched last week. You type in the details - Budgetpeer never connects to the provider.

Early bird discount available ↓

For iPhone, iPad and Apple Watch

Everything You Need.
Nothing You Don't.

Finally see where it goes

Income against expenses for the period, spending by category as a donut you can open group by group, savings rate over time, and net balance across your accounts.

Finally see where it goes

Income against expenses for the period, spending by category as a donut you can open group by group, savings rate over time, and net balance across your accounts.

Savings up, debt down

Track savings, investments and debts with balance check-ins and watch the line move over time. A reminder nudges you when a check-in is overdue.

Savings up, debt down

Track savings, investments and debts with balance check-ins and watch the line move over time. A reminder nudges you when a check-in is overdue.

Multiple budgets

Keep everyday money, the household pot and the trip you're saving for genuinely separate, and switch between them in a tap.

Multiple budgets

Keep everyday money, the household pot and the trip you're saving for genuinely separate, and switch between them in a tap.

Limits that speak up

Set a spending limit on the categories that matter. Budgetpeer tells you when you're getting close, and when you've blown past it.

Limits that speak up

Set a spending limit on the categories that matter. Budgetpeer tells you when you're getting close, and when you've blown past it.

Recurring, handled

Rent, subscriptions, the gym you swear you'll go to. Set them up once - they show up on schedule, with a reminder 7 days and 1 day before.

Recurring, handled

Rent, subscriptions, the gym you swear you'll go to. Set them up once - they show up on schedule, with a reminder 7 days and 1 day before.

Categories your way

Custom categories and groups, with symbol or emoji icons, so the dashboard reads like your life and not a template.

Categories your way

Custom categories and groups, with symbol or emoji icons, so the dashboard reads like your life and not a template.

Your data comes and goes with you

Import your history from CSV. Export it back out whenever you like.

Your data comes and goes with you

Import your history from CSV. Export it back out whenever you like.

Undo the oops

Deleted something by mistake? Restore it from Recently Deleted within 30 days.

Undo the oops

Deleted something by mistake? Restore it from Recently Deleted within 30 days.

Sign in your way

Apple, Google or email. Everything syncs to your account, so your iPhone, iPad and Apple Watch stay in step and a new device picks up where the old one left off.

Sign in your way

Apple, Google or email. Everything syncs to your account, so your iPhone, iPad and Apple Watch stay in step and a new device picks up where the old one left off.

Native on iPhone, iPad and Apple Watch

A real native app on iPhone and iPad - system typeface, system colors, light and dark, the gestures you already know. On Apple Watch, see how your month is going and add a transaction from your wrist.

Native on iPhone, iPad and Apple Watch

Here's the full list of who sees your data: you.

No bank connection. No Plaid, no Yodlee, no credentials to hand over.

No ads. Not now, not in a "free tier", not ever.

Your financial data is never sold, never shared, and never used to train anything.

Export everything as CSV any time, or delete your account and all its data from inside the app. No email to support, no waiting.

Budgetpeer is independent and has no investors, so nobody is under pressure to grow at any cost - and nobody has a reason to sell what you enter.

Read the privacy policy →

Free is free. Not a trial.

Free

20 transactions a month

1 Budget

2 BNPL Plans

1 Tracking Account

1 Category with Spending Limit

Unlimited Accounts

Unlimited Categories

CSV import

Recurring Transactions

All future updates

For iPhone, iPad and Apple Watch

Pro

Monthly

Annual

Lifetime

$24.99

$49

first year

Everything in Free with the caps lifted:

Unlimited Transactions

Unlimited BNPL Plans

Unlimited Tracking Accounts

Unlimited Category Spending Limits

Up to 5 budgets

Claim Annual Offer →

First 500 • Renews at $49/year • New subscribers

EARLY BIRD • 50% OFF • ENDS 31 OCT

Pro

Monthly

Annual

Lifetime

$24.99

$49

first year

Everything in Free with the caps lifted:

Unlimited Transactions

Unlimited BNPL Plans

Unlimited Tracking Accounts

Unlimited Category Spending Limits

Up to 5 budgets

Claim Annual Offer →

First 500 • Renews at $49/year • New subscribers

EARLY BIRD • 50% OFF • ENDS 31 OCT

Pro

Monthly

Annual

Lifetime

$24.99

$49

first year

Everything in Free with the caps lifted:

Unlimited Transactions

Unlimited BNPL Plans

Unlimited Tracking Accounts

Unlimited Category Spending Limits

Up to 5 budgets

Claim Annual Offer →

First 500 • Renews at $49/year • New subscribers

EARLY BIRD • 50% OFF • ENDS 31 OCT

Prices in USD; the App Store shows the price for your country. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel in your Apple ID settings. Lifetime is a one-time purchase.

Questions people actually ask.

Privacy and your data

Do I have to connect my bank?

No. Budgetpeer never asks for bank credentials and connects to no financial institution. You enter what you want to track, and that is all it knows.

So how does Budgetpeer make money?

You pay for it. There are no ads, no analytics software and no advertising software in the app, and your financial data is never sold, shared or used to train anything.

Can I get my data out, or delete it?

Both, from inside the app, any time. Export everything as CSV, or delete your account and all its data outright. No email to support, no waiting.

Free plan and pricing

Is the free version actually usable, or is it a nag screen?

Usable. Every feature is included: 20 transactions a month, one budget, two BNPL plans, one tracking account and one category spending limit. Only the quantities are capped, and it never expires.

What happens when I hit a free limit?

You will see a notice at that point. Upgrading to Pro lifts the cap. Nothing you have entered goes anywhere.

How do I cancel or get a refund?

Subscriptions and refunds are handled by Apple. Cancel in your Apple ID settings; request a refund at reportaproblem.apple.com. Lifetime is a one-time purchase, so there is nothing to cancel.

Buy Now Pay Later

Which Buy Now Pay Later services work?

All of them. Budgetpeer doesn’t connect to any provider. You enter the purchase, the number of installments and the first due date, and it schedules the rest.

Do installments eat into my free transaction limit?

No. Future installments generated from a BNPL plan don’t count toward the 20 transactions a month on the free plan.

Devices and switching

Which devices does it run on?

iPhone, iPad and Apple Watch. The Watch app comes with every plan, free included, and signs in through your iPhone. Same account, same data on every device.

What if I switch phones or reinstall?

Can I bring my spreadsheet with me?

Yes. Import your transaction history from a CSV file, which is free on every plan, including the free one.

EARLY BIRD • 50% OFF • ENDS 31 OCT