M Budget — Expense Tracker & Budget
Take control of your money without the monthly fee. M Budget is a beautiful, private personal finance app that makes tracking your spending effortless — pay once, use forever.
No subscription. No ads. No account required. Your data stays on your device.
WHY M BUDGET
• One-time purchase — no recurring subscription, ever
• Private by design — runs on-device, no sign-up, no tracking
• Genuinely simple, genuinely powerful
TRACK EVERYTHING, EFFORTLESSLY
• Log expenses, income, and transfers in seconds
• Organize with rich categories and subcategories
• Multiple accounts: cash, bank, credit cards, loans, and savings
• Beautiful charts — see where your money goes by day, month, quarter, or year
• Calendar view, net-worth trends, and savings-rate analysis
SMART BUDGETS
• Monthly and yearly budgets with overspending alerts
• Budget history and forecasts so you always know what's left
MULTI-CURRENCY, BUILT IN
• Track any currency with live exchange rates
• Perfect for travel, expats, and global spending
WIDGETS & LOCK SCREEN
• Home Screen and Lock Screen widgets
• Add a transaction straight from your widget
SECURE
• Lock the app with Face ID / Touch ID
AI THAT RESPECTS YOUR PRIVACY (on supported devices)
• Just say it — log a transaction with your voice
• Snap a receipt and let M Budget fill in the details
• Get a friendly monthly spending review and smart insights
• Powered by on-device intelligence — nothing leaves your iPhone
INVESTMENTS
• Track holdings across US, Hong Kong, and A-share markets, ETFs, funds, and crypto
• Live quotes and automatic recurring investing (DCA)
M BUDGET PRO (one-time purchase)
Unlock everything with a single purchase:
• iCloud sync across all your devices
• Multiple users and shared household ledgers
• Export & import (CSV, JSON, PDF, Excel) + iCloud backup
• Premium themes
• Recurring transactions & automatic credit-card / loan repayment
• Investment accounts with live market data
• On-device AI logging
Also free: loan and deposit calculators, bill reminders, and one-tap logging from payment screenshots via Shortcuts.
Available in 12 languages.
Your finances are personal. M Budget keeps them that way.
