Today's Budget
See what you can spend each day on iPhone, with rollover rewards and savings jars.
Today's Budget nails the 'what can I spend today?' question better than most, making it a guilt-free way to manage daily spending and build savings. The rollover mechanic gamifies budgeting, and the no-tracking stance is a rare plus. However, it's iOS-only and requires manual entry. If you're an iPhone user tired of complex apps like YNAB, this is a refreshing, focused pick.
Verified 2d ago · liveness 65/100 · cite: rightaichoice.com/tools/today-s-budget
- iPhone users who prefer manual expense tracking
- People overwhelmed by complex budgeting apps
- Couples or housemates wanting a simple shared budget
- Savers aiming for specific goals like a vacation or emergency fund
- Android or web users (iOS only)
- Users who want automatic bank transaction syncing
- Users needing detailed category-based budgeting with envelopes
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Skip Today's Budget if you need automatic bank syncing, Android or web access, or detailed granular category controls beyond simple daily spending.
Today's Budget's free tier covers the core for a single wallet with 3 categories, perfect for solo users. The Yearly plan at $24.99/year unlocks family sharing and unlimited wallets, making it cheaper than YNAB's $99/year. The $49.99 one-time option is the best value for long-term users.
In short
Today's Budget — See what you can spend each day on iPhone, with rollover rewards and savings jars. Best for iPhone users who prefer manual expense tracking, People overwhelmed by complex budgeting apps, Couples or housemates wanting a simple shared budget. Free to start; paid plans from $24.99/mo.
What people actually say about Today's Budget — is it worth it?
We ran a structured research pass across product reviews, community discussions, and post-purchase forum threads to surface the patterns vendors won't publish themselves. Below: the recurring strengths, the hidden costs people mention most, and the cohort that consistently regrets adopting this tool.
75 mentions across 5 sources (Hacker News, YouTube, App Store, Bluesky, Lemmy) · researched Jul 27, 2026.
- +Zero bank linking means complete privacy and no ads.
- +Daily rollover turns budgeting into a rewarding game.
- +Simple concept — just a daily spending limit, no categories.
- +iCloud sync allows shared budgets for couples or housemates.
- +Apple Watch complications for quick transaction logging.
- −Latest update broke search and auto-populate features.
- −Forced subscription migration from old 'Daily Budget' app.
- −No lump-sum savings contribution, only daily auto-set-aside.
- −Manual transaction entry is a chore for some users.
- −New UI is hard to navigate, lacks fluidity.
- • Old 'Daily Budget' lifetime users lost access; no grandfathering.
- • In-app purchase restoration is currently broken for some users.
Viability Score
How well maintained and how widely used is Today's Budget? Built from what the vendor actually publishes (docs, changelog, tutorials, integrations, pricing), whether the site is live, and how much real users discuss it. How we calculate this
Last calculated: September 2026
How we score →Key Features
- Daily budget calculation from monthly income minus fixed expenses
- Rollover of unused daily budget to the next day
- Manual transaction logging with instant balance update
- Shared budgets via iCloud for family or partners
- Savings Jars for long-term goals with automatic daily set-aside
- Emergency fund tracker comparing savings to last 3 months spending
- Customizable insights with graphical spending analysis
- CSV export of all data
- Apple Watch complications and quick entry
- Five home screen widgets for budget glance
- Dark mode support
- No bank account linking, no ads, no third-party servers
- Data stored locally on device or iCloud only
- iCloud sync across devices
- Family Sharing support for up to 6 members
About Today's Budget
Today's Budget is a manual tracking app for iPhone and Apple Watch that recalculates your daily spending limit based on your income and fixed expenses, rolling over any unused budget to the next day. You log expenses manually, and the app syncs via iCloud across your devices. It includes Savings Jars for long-term goals, an Emergency Fund gauge, customizable insights, CSV export, widgets, and dark mode. There's no bank linking, no ads, and no data collection, holding the App Store 'Data not collected' label. Ideal for individuals and families who prefer a simple, privacy-focused approach to budgeting.
Behind the Verdict
Today's Budget stands out with its radical simplicity and daily rollover system. Instead of complex categories or envelope budgets, you get a single daily number that adapts as you spend. This makes it incredibly easy to answer 'can I afford this?' and encourages mindful spending. The Savings Jars and Emergency Fund features are well-implemented, automatically setting aside funds daily. Privacy is a core strength: no bank linking, no ads, and data stays on your device or iCloud – a rarity in budgeting apps. However, the manual-entry requirement may be a dealbreaker for those used to automatic syncing. The iOS-only limitation means Android users are locked out. For someone who wants a fuss-free, daily-aware budgeting habit, Today's Budget is a strong choice, but power users who crave deep categorization or investment tracking will find it too shallow.
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Real-world workflow fit
Concrete scenarios for the personas Today's Budget actually fits — and what changes day-one when you adopt it.
On payday, you open Today's Budget, enter your monthly income and fixed expenses (rent, utilities). The app calculates your daily spend. You log every purchase throughout the day. If you come in under budget, the surplus rolls over, giving you more tomorrow.
Outcome: You know exactly what you can spend each day and feel in control, with no surprise account overdrafts.
You and your partner create a shared budget for groceries using the shared wallet feature. You each log your grocery runs from your iPhones, and the app syncs instantly via iCloud. The budget updates in real time, showing both of you your combined daily remaining.
Outcome: Both partners stay aligned on spending, reducing disagreements over money.
You set a Savings Jar for a vacation with a target amount and date. The app automatically sets aside a portion of your daily budget each day. You can also tap 'save leftovers' at day's end to add any unspent budget to the jar.
Outcome: Your vacation fund grows automatically, and you watch it accumulate with a satisfying visual.
Use Cases
- Check your daily spending limit before making a purchase to avoid overspending
- Log a coffee expense from your Apple Watch immediately after buying
- Set a vacation savings goal and watch the app auto-set aside funds each day
- Share a grocery budget with your partner via iCloud and sync spending in real time
- Export your monthly spending as CSV for detailed analysis in a spreadsheet
- Review the emergency fund gauge to see how many months of expenses you have covered
Limitations
- Today's Budget is a daily budgeting app for iPhone and Apple Watch.
- It does not connect to bank accounts and requires manual expense entry.
- Data is stored in iCloud and synced across devices, with shared budgets available via unique links.
- There is no ad tracking and data is not collected per the App Store label.
as of 2026-08-26
Verification history
We have re-verified Today's Budget 5 times since . Each pass re-reads the vendor's own pages and re-checks every listed field against that evidence; passes where nothing had changed are marked as such.
- — re-checked, vendor evidence unchanged
- — re-verified summary, description, our verdict, our analysis, pricing model, pricing tiers, features, integrations, who it suits, who should skip it
- — re-verified summary, description, our verdict, our analysis, pricing model, pricing tiers, features, integrations, who it suits, who should skip it
- — re-checked, vendor evidence unchanged
- — re-verified summary, description, our verdict, our analysis, pricing model, pricing tiers, features, integrations, who it suits, who should skip it
Free to cite with attribution — this page re-verifies continuously.
12-month cost
Project the real annual outlay, including the implied monthly cost when only an annual tier is published.
Vendor list price only. Add-on usage, seat overages, and contract minimums are surfaced under Hidden costs & gotchas.
Plans compared
For each published Today's Budget tier: who it actually fits, and what it adds vs. the previous tier. Cross-reference the cost calculator above for projected annual outlay.
Basic
$0/mo
Ideal for
Solo iPhone users who want a simple daily budget and are okay with 3 categories and 1 wallet
What this tier adds
Free forever entry point with core daily budgeting and savings goals
Yearly
$24.99/yr
Ideal for
Families or couples who need shared budgets, unlimited wallets, and insights at a low annual cost
What this tier adds
Adds 6 members via Family Sharing, all categories, unlimited wallets, insights, shared wallets, and free trial
Pay once
$49.99 one-time
Ideal for
Long-term users who prefer a one-time payment and want all Yearly features without subscription
What this tier adds
Same as Yearly but one-time payment, no free trial
Where the pricing makes sense
The company stage and team size where Today's Budget's pricing actually pencils out — and where peers do it cheaper.
Today's Budget's free tier covers the core for a single wallet with 3 categories, perfect for solo users. The Yearly plan at $24.99/year unlocks family sharing and unlimited wallets, making it cheaper than YNAB's $99/year. The $49.99 one-time option is the best value for long-term users.
Setup time & first value
How long it actually takes to get something useful out of Today's Budget — broken out by persona, not the marketing-page minute.
Basic setup takes under 5 minutes: enter income and fixed expenses, and the app calculates your daily budget. Adding a shared wallet or saving jar takes another few minutes. No bank linking or long onboarding.
Resources & Guides
Tutorials & Learning
Official links
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Common stack mates teams adopt alongside Today's Budget, with the specific reason each pairing earns its keep.
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These tools serve completely different needs. If you actively trade cryptocurrencies and want automation, social trading, and advanced order types (DCA, trailing), Cryptohopper is the clear choice despite its cost. If you need a minimalist, manual daily budget tracker for iPhone with no bank linking and strong privacy, Today's Budget is an excellent free option. There's no overlap – pick based on whether you need trading automation or personal finance simplification.
Today S Budget vs Transfix
Transfix and Today's Budget serve completely different needs: one is an enterprise freight brokerage TMS, the other a personal iPhone budgeting app. Choose Transfix if you run a logistics business and need AI-driven cost models and RFP automation. Choose Today's Budget if you manage personal finances and want a simple, private daily spending limit without bank syncing.
Today S Budget vs Bitsgap
If you need automated crypto trading with bot strategies, Bitsgap is the clear choice. If you want a simple, manual daily budget tracker that feels like a game, Today's Budget is perfect.
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