Your monthly budget becomes a daily allowance. Log something and the number updates. Money you don’t spend carries over; overspending comes out of the days that follow.
Many budgeting tools are built around monthly reports and categories. My Money answers a more everyday question first: how much can I spend today?
The monthly report arrives after the money’s gone
The home screen shows what you can still spend today. Every entry moves it, so you know what a purchase means before you pay.
Create an account, then link your bank
There’s no account system and no bank or card connection. Your ledger lives on your iPhone; the developer has no copy on a server.
Seven taps per entry, gone by Friday
Type a line, say it, pick a few bill screenshots, or double-tap the back of your iPhone after paying. You check what was recognised before it’s saved.
Set what you want to spend in a month. My Money spreads it over 30 days, and the number in the middle of the ring is what you can spend today.
Every entry moves that number. Money you don’t spend stays with you; anything you overspend is taken back from the days that follow.
Try it with your own numbers$1,200 a month ÷ 30 = $40 a day. Spend exactly that and every day starts at $40.
Example: a $40 daily allowance; on every day not highlighted you spend exactly $40. Same rule as My Money’s budget calculation; amounts are illustrative.
Budgets fail when logging feels like a chore. Every way in is one step shorter, and anything the app recognises is shown to you before it’s saved.
Tap the mic next to Add and say “Dinner with friends 68”. Amount, category and note fill in; check it and save.
Speech is recognised on the iPhone; recordings aren’t uploaded. Needs on-device recognition for your language.
Pick up to five payment screens, bills or receipts. Each line becomes a draft you can edit or untick; nothing is logged until you tap Save.
Text is read on the iPhone with Apple Vision; images aren’t uploaded.
Add the screenshot shortcut once from My Money’s settings, then choose it in Settings › Accessibility › Touch › Back Tap. From then on, double-tap on the payment screen and it becomes a draft to save.
On iOS 18 and later you can also run the same shortcut from Control Center.
Type “lunch 12” and the amount and category fill in. It understands “yesterday” too.
Everything you log shows up again here. It only covers what you’ve logged: no bank data, and no financial advice.
The Decision Coin shows what a purchase would do to what’s left of your budget, then lets you toss. The Choice Wheel settles what to eat tonight. Results are only suggestions; the call is yours.
New in 1.0.4
Write down what you want to buy. The price and a reason are optional. Pick a 1-, 7- or 30-day cooling-off period; when it ends, you get a reminder on your iPhone if you’ve allowed notifications. Then choose Skip it, Buy it or Wait longer.
Open it with Wishes at the top of Home, or pull down firmly on Home. When the Decision Coin lands on Wait, tap Add to wishes.
My Money doesn’t ask you to hand over any account. Every entry, your budget and your recaps are stored on this iPhone.
Illustrative amounts, same rules as the app: $1,200 a month ÷ 30 = $40 a day, carry-over capped at $200 (five days), overspending taken from the following days.
Broke by the 20th
A monthly budget shows $1,200 on day one. My Money shows $40, and at most $200 after a quiet week, so an early splurge shows the same day: spend $70 on day 1 and day 2 starts at $10.
Big purchase
Buy it on day 15 with $40 left and you’re $80 over; spend nothing for two days and day 18 is back to $40. Or make room first: spend $20 a day for four days and day 15 starts at $120.
Cash & forgotten bits
Cash never shows up in a payment app. Type “taxi 15 yesterday” and it’s dated yesterday, so today’s $40 becomes $25. A friend paying you back $20 counts as income and offsets today’s spending.
Weekend
Saturday ends $30 over, so Sunday starts at $10. Keep Sunday to $10 and Monday is back to $40. Nothing is spread over the month; you see the whole cost at once.
Not better for everyone, just different. Right column: what we saw most often across 37 budgeting apps on the App Store in October 2026.
| Compared | My Money | Common approach in budget apps |
|---|---|---|
| Built around | One daily number: what’s left to spend today | Monthly budgets, categories or envelopes. A smaller group of apps also shows a daily amount. |
| Price | Free. No in-app purchases, subscriptions or ads | 36 of the 37 apps offer in-app purchases, including all six daily-budget apps we found. |
| Account | None | Common, especially in apps that sync or link banks. Several manual and daily-budget apps work without one. |
| Bank connection | None. You log each entry | Central to many leading apps in the US and Japan, or a paid upgrade. None of the mainland China apps we checked mention it. |
| Where data lives | On your iPhone only. No iCloud or cross-device sync | Cloud sync under an account, or iCloud, is common. A few apps keep data on the device only. |
| App Store privacy label | “Data Not Linked to You” only: Purchases, Financial Info, User Content | Most declare “Data Linked to You” or “Data Used to Track You”. Five declare “Data Not Collected”, which is less than My Money declares. |
Choose another app if you want bank imports, sync across devices, a shared family ledger, or a budget that follows your paydays (some daily-budget apps divide by the days until payday; My Money always uses ÷ 30).
How we checked: App Store listings (In-App Purchases, App Privacy, description) and official websites of 37 budgeting apps in the US, mainland China, Japan, Taiwan, Mexico and Spain stores, read on October 25, 2026. Privacy labels are self-reported by developers. A snapshot, not a ranking.
Enter what you want to spend, or tap “Work it out from income” and pick a plan.
The number in the middle of the ring is what you can spend today.
Type a line, say it, pick a few bill screenshots, or double-tap the back of your iPhone.
Facts last checked:
The words you’ll see in the app and on this page, defined plainly.
Yes. No in-app purchases, no subscriptions and no ads.
Daily allowance = your monthly spending money ÷ 30, rounded to a whole unit. With “Work it out from income”, it’s (income − fixed costs − living costs − savings) ÷ 30.
Unspent money carries over, up to five days’ allowance on any one day; overspending is taken back from the days that follow.
Yes. Turn off “Rollover unused money” in Budget Settings and every day starts at the same allowance.
No. There’s no monthly reset, payday or custom cycle. The allowance accrues every day from the day you set your budget, and both savings and overspending carry forward.
Neither. My Money has no accounts and doesn’t connect to banks. You log each expense yourself by typing, speaking or picking a few bill screenshots.
Your ledger stays on your iPhone. There’s no iCloud sync and no copy on the developer’s servers.
Optional online AI is off by default. If you turn it on, each feature asks first and sends only the text that request needs; photos, recordings and the full ledger are never uploaded.
Not inside the app yet. You can export your entries as a JSON file from Settings, but there’s no import.
Yes. Income and refunds offset that day’s spending, and today’s number updates.
My Money is designed for iPhone only and needs iOS 17 or later.
A place to park things you want to buy. Add a wish, pick a 1-, 7- or 30-day cooling-off period, and decide when it ends: Skip it, Buy it or Wait longer. Skipped wishes add up under Not spent. Wishes never change Left today unless you save the expense yourself.
Neither real people nor live AI. The eight residents are characters built into the app and marked AI; their wishes and comments ship with the app and are picked on your iPhone by fixed rules. Wish Town doesn’t go online and doesn’t use the optional online AI.
Close. It’s what you can spend today without going over budget: your daily allowance plus carry-over (up to five days’ worth), minus earlier overspending and today’s spending.
Bills and savings aren’t subtracted automatically. Take them out before you enter your monthly spending money, or tap “Work it out from income”.
It shows the problem earlier. A monthly budget makes the first two weeks feel rich; a daily number shows on the day that a big Saturday leaves less for Sunday.
It won’t follow your payday: My Money has no pay-period cycle and always divides by 30. Out of money before payday? walks through an example.
Your allowance keeps building, but “Left today” stops at five days’ worth. When you remember, add the big items: write “yesterday” in the line or change the date, and today’s number adjusts.
You can’t log future dates. Entries dated before you set up your budget appear in history without changing today’s number.
Yes. Quick Log, run from Shortcuts or Siri, saves a line of text straight away and replies with what’s left today. There’s no review step, so check the entry later.
Voice Log (Siri, Shortcuts or the Action Button) and the Back Tap shortcut open the app so you review the draft first.
No. The text is read on your iPhone with Apple Vision, and the image stays on your phone.
Only if you turn on optional online AI (off by default) and allow its Screenshot entry permission is the recognised text sent for parsing, never the image.
Apple lists Back Tap for iPhone 8 or later with iOS 14 or later; My Money itself needs iOS 17. Running the same shortcut from Control Center needs iOS 18 or later.
Set it in Settings › Accessibility › Touch › Back Tap (Apple’s article).
Open Spending Summary and pick This month, This week or 30 days. Tap a category to see every entry, sorted by date or amount.
The monthly recap compares last month with your budget. It covers only what you’ve logged.
Free to download. Set a monthly budget and you’re ready.
Scan with your iPhone camera
Opens the App Store page. On a phone, just tap the button.
