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Today’s Budget takes your income, subtracts your recurring expenses and savings, and spreads what is left evenly across the days it has to last. The result is one number: what you can safely spend today.

Every time you log an expense, the number updates. Unspent money carries over to tomorrow. Overspending is taken from the following days.

Your bank balance and your Today’s Budget balance will never match, and that is on purpose.

In Today’s Budget, everyday expenses are deducted immediately, while big bills like rent or insurance are spread across the period they cover. Income is spread the same way, across the time it should last you. That gives you a day-by-day view of your money instead of a lump-sum view.

This comes from accrual accounting, the method companies use: expenses and income are counted in the period they belong to. It gives a clearer picture than cash flow alone.

Example, in a bank app: You have €1000. You pay €500 rent, and the balance drops to €500. On payday you get €3000, so your balance jumps to €3500.

The same month in Today’s Budget: When you receive your €3000 paycheck, the app spreads it evenly over the month (about €100 per day).

Spend less: the leftover rolls over to tomorrow automatically. You can also go to Savings, tap Add money and choose Leftover to move the surplus straight into savings.

Spend more: your balance goes negative and the following days adjust until it is back to zero. There is no failed day and nothing to rebuild. If you would rather clear a negative balance right away, cover it from your savings (see "How do I reset my budget or start fresh?").

Why the main page only shows two days ahead: showing a full future balance that ignores your daily spending gives a false impression and tempts you to overspend. A short view keeps you focused and confident about today.

How to check further ahead:

1. Open Daily log
2. Scroll to the future date you want
3. Check the balance shown there

Yes. Enter freelance, self-employed or one-off income. Set Repeating to No, turn on Spread it out and choose how many days to spread it over, ideally until you expect the next payment. If you are not sure, spread it over a longer period to be safe.

For small irregular amounts, like an online sale, turn off Spread it out to add the money to today’s budget right away.

No. Your budget begins fresh from the day you create your wallet. This avoids inaccuracies from incomplete history and keeps things clean and forward-looking.

Today’s Budget doesn’t split money into categories, and that is intentional. Money is money: you decide how to spend it. Instead of managing many category budgets, you see one daily number, what is safe to spend, whatever you spend it on. Categories are still there for insights, so you can see where your money went.

Tap + and choose Income. Create the income source (salary, freelance, allowance) and enter the amount. Then pick how it comes in:

Repeating: for salaries or other steady pay on a fixed schedule. Enter your take-home pay and set the frequency, like monthly or every 2 weeks.

No repeating: for freelance, self-employed or irregular income. Choose how long to spread it out, based on when the next payment arrives.

Add whatever you are living on as income, then update it as your situation changes.

Severance pay or savings: enter it as income. If it comes as one lump sum, set Repeating to Yes so it spreads evenly over the weeks it needs to last, for example monthly.

Freelance work or something you sold: enter it as income with Repeating set to No (see "Does it work with irregular income?"). For a one-time sale, leave Spread it out off so the money is added to today’s budget right away. For ongoing freelance work, turn Spread it out on and spread it over the days until your next payment.

Starting a new job: add the salary as a new income source, set Repeating to Yes, and choose the pay cycle, like every two weeks or monthly.

Your fixed monthly costs (rent, subscriptions) stay entered as usual, so today’s number already accounts for them (see "How do I add rent, bills or subscriptions?").

Select Payment cycle: Twice a month when entering the income.

1. Tap the + button and enter the expense
2. Set Repeat to the billing frequency, like Monthly or Yearly

The app divides the amount by the number of days in the billing cycle and spreads it out evenly. That matches how you really use the expense: a month of rent is used one day at a time. So today’s number shows what your lifestyle truly costs. This is called accrual accounting, the same method big companies use to see their true financial health.

1. Open the recurring entry
2. Tap Update amount for next payment
3. Enter the new amount
4. Choose the date it takes effect

This keeps the entry current without creating duplicates.

A big grocery shop, an annual bill or an emergency vet bill is paid on one day, but the cost belongs to a longer period.

1. Tap the + button and choose Expense
2. Enter the amount
3. Toggle Spread it out
4. Choose the duration, for example one month or one year

Today’s budget drops by a small daily amount instead of one big spike. For a bill that repeats, enter it once and set Repeat instead: the app then divides it by the days in the cycle and spreads it out evenly, the way you actually use it.

Enter it just once, like "€20 Eating out". The app focuses on the amount, not the payment type. Cash, credit card or debit card: money is money.

A fixed monthly payment (loans or credit cards):

1. Tap the + button and enter the payment as an expense
2. Set Repeat to the payment frequency, like Monthly or Every 2 weeks

The app divides the payment by the days in the payment cycle and spreads it out evenly, so today’s number shows what the debt really costs you each day. If you know when it will be paid off, set an end date in Daily log.

Flexible payments (lines of credit):

1. Enter each payment as a regular expense
2. Toggle Spread it out
3. Choose the duration, for example until the next payment

The app doesn’t track due dates or whether a bill is overdue. It is all about how much money you have left. Adjust the amount for any late fees and enter the total as an expense.

1. When entering an expense, on the category selection page, tap Edit
2. Tap + to create a new category
3. Set the name and icon and tap Save

By default, your most-used categories appear at the top. You can also choose your own order, or sort alphabetically.

1. Open the category selection page
2. Tap Edit
3. Tap the arrow icon at the top
4. Choose Custom for your own order
5. Drag and drop categories into the order you like

If you reuse a set of categories often, for example for holidays:

1. Create an empty wallet and set up the categories you want
2. Give it a clear name, like "Empty travel wallet"
3. Create a backup via Settings > Backup
4. Restore from that backup whenever you need those categories again

1. Create savings goals (a holiday, a gadget, a car, a home)
2. Spread larger expenses (a big grocery shop, an emergency vet bill)
3. Set up regular monthly savings
4. Add extra to the Savings Jar
5. Put leftover cash in the Savings Jar (Add money, then Leftover)
6. Add one-off income straight to savings
7. Build an emergency fund
8. Use savings to cover a negative balance

A savings goal is for something specific: you set a target amount and a date, and the app puts aside a daily amount so you reach it on time.

The Savings Jar is your flexible cushion: regular monthly savings, leftover money you put away at the end of the day, and one-off amounts you add. There is no target and no end date. Use it as an emergency fund or to cover a negative balance.

Tap the piggy on the main page to open the Savings Jar, then tap + and choose Regular saving. Enter how much you would like to save each month. The app puts aside a little every day, so your savings grow without effort.

Set your target:

1. Tap + to open the menu
2. Choose Savings goal
3. Enter the target amount and the date you want to reach it

Use your savings once the goal reaches 100%:

Single purchase: enter what you actually spent. If you spend less, the leftover goes back in as income. If you spend more, the extra is logged as an expense.

Multiple purchases: delete the completed goal, then log each expense individually.

1. Save for each expense separately (recommended). Create a goal each for flights, hotel and activities. When a goal reaches 100%, log what you actually spent.

2. Save one total amount. Create a single holiday goal. When it reaches 100%, delete the goal to add the money to your spendable balance, then log each expense normally.

Tip: If you are travelling with a different currency, manage your holiday funds in a separate wallet.

You don’t need to enter past savings for the app to work. If you would like to include savings you have available:

1. Enter the savings as one-off income
2. Open the Savings Jar, choose Save an amount, and name it (like "Savings from the past")

Tip: Only include money you are willing to use. We don’t recommend adding long-term savings you don’t plan to spend, like your retirement.

Buying: enter the purchase as a one-time savings entry, for example "Apple shares €10,000".

Selling: withdraw the same amount from savings. If you made a profit, enter the gain as new income, for example "Profit on stock". If you made a loss, enter the difference as an expense. Keeping the original entry makes it easier to see how the investment did.

1. Go to Settings > Manage wallets and tap Edit on the wallet you want to share
2. Tap Share to create a sharable copy
3. Open the Shared tab and tap Edit on the new wallet copy
4. Choose Manage members and tap + to add members
5. Send the invitation through Messages
6. The recipient taps the invitation link and finds the shared wallet in the Shared section

Everyone can add transactions, and the daily number updates for all members.

Pro can be shared with up to five people in your iCloud family through Apple Family Sharing, so one purchase covers the household.

Sharing runs through iCloud. Two things fix most sync problems:

1. Check the owner’s iCloud storage. The shared wallet lives in the iCloud space of the person who created it. If that account is full, changes stop syncing. Free up space or upgrade the iCloud plan.
2. Check that the same wallet is selected on both devices. Open the wallet list on each device and make sure everyone is looking at the shared wallet, not their own personal one.

If it still won’t sync, check that each person is signed in to iCloud with it turned on for Today’s Budget, and that both devices are online. iCloud can take a few minutes to catch up.

Pro can be shared with your iCloud Family. Here is Apple’s guide: https://support.apple.com/HT201088

Check that subscription or one-time purchase sharing is on under iPhone Settings > Family > Family Sharing.

For subscriptions, you will see the confirmation in the Family Sharing settings. For one-time purchases, Purchase Sharing needs to be enabled. It shares all purchases and the payment method, so it might need to be turned on first.

If it still doesn’t work, contact Apple Support, since this feature is managed by Apple. Apple offers 24/7 phone and chat help.

Install Today’s Budget on the new phone and sign in with the same Apple Account. Your data downloads from iCloud automatically. If your old data doesn’t appear right away:

1. Go to Settings > Manage wallets
2. Check which wallet you are looking at

You are probably looking at a newly created empty wallet. Switch to your previous one to see your history.

Reset the daily carryover to zero: open the Savings Jar. If the balance is negative, tap Withdraw, then Zero out. If it is positive, tap Add money, then Leftover.

Keep your recurring expenses, income and categories: go to Settings > Manage wallets, tap Edit, then change the start date to today. Your setup stays and the calculation restarts from today.

Start completely fresh: go to Settings > Manage wallets, tap the + button, and create a new wallet.

You can also schedule automatic resets with Shortcuts: create a Personal Automation, add the Today’s Budget action Reset balance, pick a schedule (for example every Friday at 18:00), and turn off Ask Before Running.

Go to Settings > Manage wallets, tap Edit on your wallet, choose Currency, then Save.

Yes. Go to Settings > CSV export to save all your entries as a CSV file you can open in Numbers, Excel or Google Sheets. CSV export is a Pro feature.

No. Today’s Budget is designed to build better spending habits by entering each expense yourself, and importing would skip that step. The app also works with frequencies, start dates and end dates, which don’t map onto bank statements or CSV files.

The app doesn’t require an account. All your data is stored on your device and in your iCloud.

1. Uninstall the app (this removes the data on your iPhone)
2. Go to iPhone Settings > your name > iCloud > Manage Storage > Today’s Budget > Delete Data

All your data is then permanently erased.

Today’s Budget is iOS-only. We are a two-person team, and we chose to focus on iOS so we can build a stable app with strong privacy protections.

Email hello@todays-budget.com or go to Settings > Email in the app. One of us answers personally.

To help us find it quickly, please include:

1. Your iPhone model and iOS version
2. The app version (shown at the bottom of Settings)
3. What you tapped before it happened
4. A screenshot or screen recording

If the app crashed, the crash log is in iPhone Settings > Privacy & Security > Analytics & Improvements > Analytics Data. Tap the newest file starting with "Today's Budget" and share it with us.

Open Today’s Budget on your watch, enter the amount and pick a category. It takes seconds, no need to pull out your phone.

We offer four complications, so you can keep an eye on your spending power without opening the app.

1. Touch and hold your lock screen, then tap Customize
2. Tap the widgets area
3. Scroll and pick Today’s Budget
4. Choose the widget size you prefer
5. Tap Done to save

1. Put your iPhone on its side while charging to open StandBy
2. Touch and hold a widget area, then tap +
3. Search Today’s Budget
4. Choose the widget and tap Add Widget
5. Tap Done to save

We offer small and medium widgets for today’s budget, a monthly summary widget and a savings goal widget.

1. Touch and hold your home screen, then tap + in the corner
2. Search Today’s Budget
3. Pick the widget type and size
4. Place it and tap Done

With Apple’s Shortcuts app you can set up automations. Example: parking fees three times a week.

1. In Shortcuts, create a shortcut: search Today’s Budget and choose Add Expense
2. Set the category, amount and note once
3. Create an automation that runs on Mondays, Wednesdays and Fridays
4. Choose Run immediately

Some expenses come in sets: Pool day (car sharing + pool ticket), Gym (transport + class + smoothie).

1. Open the Shortcuts app
2. Search Today’s Budget and tap Add expense
3. Set the amount, category and note
4. Repeat for the other expenses in the set
5. Tap the chevron arrow and choose Add to Home Screen
6. Give it a title, colour and icon

The daily budget is free forever: income, bills and today’s number.

Pro adds unlimited categories, a shared family wallet, the Piggy widget, spending insights, automatic savings, savings goals, unlimited wallets and CSV export.

Both unlock every Pro feature. Yearly renews automatically each year until you cancel. Pay Once is a single payment with no renewals, tied to your Apple Account, and includes all future updates. Both can be shared with your family through Apple Family Sharing.

Open the Pro page and tap Get Pay Once under "Prefer one payment?". This keeps Pro but replaces the subscription with a single payment, so it won’t renew again.

If a free trial is offered, you are charged after the trial ends, unless you cancel before then. One-time purchases are charged immediately.

From iPhone Settings: Settings > your name > Subscriptions > Today’s Budget > Cancel subscription.

From the app: open the Pro page, tap Manage subscriptions, then Cancel subscription.

Open the Pro page in the app and tap Restore purchases. Make sure you are signed in with the Apple Account that made the purchase.

All payments and refunds are handled by Apple:

1. Go to reportaproblem.apple.com
2. Sign in with your Apple Account
3. Choose Today’s Budget from your purchases and follow the steps

1. Better habits. Entering each expense yourself, like that €5 latte, makes you more mindful of your spending. It is the small pause that builds lasting habits.

2. No delays, always accurate. Bank imports are often delayed. If the app shows more money than you can actually spend, it stops being useful.

3. Safe and private. You never enter your bank login or PIN. Keeping the app separate is simpler and safer.

Your data is yours. It is stored only on your device and your personal iCloud. Sensitive data is encrypted on your device first, before anything goes to iCloud. There's nothing to send it to — Today's Budget has no servers. Only you can access your data.

We took everything we learned from more than 10 years of building Daily Budget and created a new app around the same simple idea: one number a day.

Today’s Budget is built on Apple’s modern technologies, including iCloud sharing and encryption, for more stability and room to grow.

What’s new: a fresh design, interactive spending insights, the Savings Jar, recurring income and expenses with categories, multiple wallets, sharing through iCloud instead of Dropbox, an emergency fund, and Apple Watch and widgets.

Yes, 50% off the yearly subscription for the first year. In Daily Budget, open the Menu, choose New app Today’s Budget, and use the discount link at the bottom.

The two apps use different data structures, so a direct transfer isn’t possible. Today’s Budget is quick to set up, so you can start fresh right away.

Download TestFlight, Apple’s official beta app: https://apps.apple.com/app/testflight/id899247664. Then tap the link we send you or post on social media.

Your data stays in your iCloud, just like in the live version. The beta connects to the same iCloud, so everything is saved and downloaded automatically. If you prefer, create a backup first via Settings > Backup.

TestFlight asks if you want to add a comment and share it with us. You can also always email us.

Beta versions connect to a different "store". To unlock, select Pro, pay once. You will not be charged for beta builds.

Scroll down on the TestFlight page and select Stop testing, then download the new version.

Each version is valid for 90 days. To go back to the App Store version, search Today’s Budget in the App Store and tap Update.

Apple’s standard Media Services Terms & Conditions apply: https://www.apple.com/legal/internet-services/itunes/

Apple’s standard EULA applies: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/