Today's Budget
Daily budgeting that shows you exactly what you can spend today
Today's Budget delivers on its promise of simplicity and calm. Its daily rollover mechanic and iCloud sync make it ideal for manual trackers who value privacy. However, the lack of bank connections means discipline is required, and the iOS-only limitation excludes a large audience.
- 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
We scan live Reddit threads, YouTube comments, X posts, G2 reviews and other communities — and hand you an honest verdict in under a minute.
- Honest verdict, not marketing
- Real pros & cons from real users
- Attributed quotes with receipts
3 free scans · no card needed
In short
Today's Budget — Daily budgeting that shows you exactly what you can spend today. 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 independent users actually report about Today's Budget
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.
60 mentions across 4 sources (Hacker News, YouTube, Bluesky, Lemmy).
- +Privacy-first: no bank linking, no data collection, no ads.
- +Simple daily budget calculation from monthly income minus bills.
- +Rollover mechanic encourages mindful spending and reduces guilt.
- +Shared budgets via iCloud work great for couples on iPhones.
- +Apple Watch support for quick expense logging on the go.
- −No community presence or user reviews to validate claims.
- −Manual transaction logging is tedious without automation.
- −iOS only – no Android or web access for cross-platform users.
- −No integrations with banks, credit cards, or other financial apps.
- −Freemium model may lock useful features behind a subscription.
Viability Score
How likely is Today's Budget to still be operational in 12 months? Based on 4 signals — momentum (how recently it shipped), wrapper dependency, revenue model, and web presence.
Last calculated: July 2026
How we score →Key Features
- Daily budget calculation from monthly income minus fixed expenses
- Manual transaction logging with instant balance update
- Rollover of unused daily budget to the next day
- Shared budgets via iCloud for family or partners
- Savings Jars for long-term goals with auto-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
About Today's Budget
Today's Budget is a manual tracking app for iPhone that transforms monthly finances into a simple daily spending limit. Instead of complex categories or envelope systems, it calculates your disposable income after recurring bills and divides it evenly across the month's days. You log expenses manually as they happen, and any underspend rolls over to tomorrow, turning budgeting into a rewarding game. The app is built for individuals and families who want a calm, guilt-free approach to money management. It offers shared budgets synced via iCloud for partners or housemates, Savings Jars for long-term goals, and an Emergency Fund feature that tracks your safety net. There is no bank linking, no ads, and no tracking – the app holds the App Store's 'Data not collected' label. Key workflows include setting a daily budget, logging transactions from your iPhone or Apple Watch, and rolling over leftover funds. Savings goals automatically set aside a little each day toward a target date. Insights provide clear graphs, and you can export data as CSV. Widgets and dark mode enhance the experience. What makes Today's Budget different is its radical simplicity and zero reliance on bank connections or external servers. Your data lives only on your device or iCloud. The daily rollover mechanic encourages mindful spending, and the absence of category-fiddling reduces friction for users who just want to know 'Can I afford this today?'
Behind the Verdict
Today's Budget nails a specific niche: it's for people who hate budgeting apps but know they need one. The daily rollover gamifies restraint—spend less today, have more tomorrow. It's the closest thing to a 'zero-effort' manual tracker we've seen, thanks to Apple Watch entry and widgets that keep your budget front-of-mind without fiddling with categories. Pick this if you're an iPhone user who can commit to logging expenses manually, you're tired of envelope-style or bank-linked apps that demand constant tweaking, and you want your financial data to stay on-device. The free tier is surprisingly generous: you get budgeting, savings goals, iCloud sync, and three spending categories. That's enough for many people. Pass if you need automatic transaction import (e.g., from bank accounts or credit cards), if you use Android or a web browser, or if you crave detailed category-based budgeting with roll-ups and reports. The app intentionally avoids those features. Compared to YNAB or Mint, Today's Budget is far simpler but less powerful. You can't handle complex debt rollovers or multi-account tracking. For its intended audience—manual trackers who want a daily spending target—it's arguably the best iOS-only option. But for automation addicts, it's a non-starter. Where it bites: the $24.99/year Pro unlocks unlimited wallets and categories, which feels steep if you only need a few. And since it's iOS-only, families with mixed devices can't share budgets easily. Still, for what it sets out to do, it's nearly perfect.
Researching Today's Budget? Get your full AI stack in 60 seconds.
Free, no signup — tell us your goal and get tools matched to your budget & existing stack.
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 only available on iPhone (iOS) and Apple Watch – no Android, web, or desktop versions exist.
- It requires manual entry of every expense, so it relies on user discipline.
- Bank account linking is not supported, which may be a drawback for users who want automatic transaction import.
- Shared budgets depend on iCloud sync, which may have reliability issues across different Apple IDs.
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.
Tools that pair well with Today's Budget
Common stack mates teams adopt alongside Today's Budget, with the specific reason each pairing earns its keep.
Featured Head-to-Head Comparisons
Alternatives to Today's Budget
View allFrequently Asked Questions
Categories
Best-of guides
Topics
Used Today's Budget? Help shape our editorial sentiment research.