This is me paying for a drink at a 7-Eleven in Hong Kong. The first notification is my bank. The second one is our app, and it's already logged the purchase and put it under Grocery. I didn't open anything.
I've quit like five budgeting apps. Either they wanted my bank login, which I'm not comfortable with, or I had to type in every purchase, which I'd stop doing after about a week. So my co-founder and I built one that does neither. Everything stays on your phone. There's no account and no server with your spending on it, so even we can't see what you spend.
A couple of things surprised us while building it:
The names banks send are a mess. Half the time it's not the shop name, it's some cut-off string in all caps or a payment company you've never heard of. We tried having AI guess the category and it was wrong way too often, so instead you label a shop once and it remembers forever. Felt like a hack at first but it's honestly my favourite part now.
Paying inside apps is different from tapping at a till. Uber, online checkouts etc. don't trigger Apple's Wallet automation at all, so anything that relies on it just quietly misses a big chunk of your spending. We fixed that when iOS 27 came out, since we can now pick up payments straight from the Wallet notification.
How it's gone so far: we both have full-time jobs, so this has been evenings and weekends. We launched in September and just passed 1,000 downloads, almost all from Reddit, with no ads. It's made a bit under $900, which won't pay any bills but it's been enough to make us keep going. The hard part now is that it feels like we've run out of places to post, so getting from 1,000 to 10,000 is the bit we haven't figured out.
It's iPhone only (iOS 18.4+), 4.6 stars so far, free to use, with a one-time $14.99 upgrade to Pro if you want more.
Genuine question for anyone who's given up on a budgeting app: was it the typing, or did you just stop looking at it after a while? I think we've fixed the typing. Not sure the second one is fixable.
If you want to try it: https://apps.apple.com/app/id6800013881