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Descriptions

Short

Visually track your expected vs. actual spending rate on one simple chart. View your total amount spent and unified transaction history across all of your cards.

Long

Budget Burndown is a simple personal finance app for tracking your total amount spent. Your monthly budget is plotted on a chart as an expected spending rate, and your actual spending is plotted against it as the month goes on. If you keep the lines matched up, you're staying on budget. It's a uniquely intuitive and low maintenance way to visually track how much you're spending across all of your cards.

Story

Budget Burndown is a super simple personal finance app that borrows the idea of a "burndown chart" from Agile software development. You set a monthly budget, which is plotted as an expected spending rate. Your actual spending plots against it as the month goes on. If you keep the lines matched up, you stay on budget. It's a uniquely logical and standardized way to visually track your spending across multiple cards without ads, annoying emails, non-native design, or any of the bloat that makes other budgeting apps so frustrating to use.

I built this app for myself long before ever considering launching it publicly. I was frustrated at how complicated and spammy other budgeting apps were, and all I cared about was tracking my spending across two credit cards. Recurring payments like rent and student loans were always the same, but I had no visibility into my day-to-day spending. I just wanted a simple visualization that showed me if I was on track or not at a quick glance.

I used it for about a year, and eventually shared it with a few friends who found out about it and loved the idea. Eventually, I decided to clean up the code and launch it in the App Store after I realized how many people found it as unique and useful as I did.

I hope you do too!

- Gavin King

Walkthrough

Setup

Link your cards

When you open the app for the first time, you'll be asked to sign in and link your first card. We recommend that this is the card you use for most of your day-to-day spending. You can link more cards from the Settings menu at any time.

You'll use Plaid to link your cards. Credentials are end-to-end encrypted and completely inaccessible to the app.

If you're in a region in which linking cards with Plaid isn't supported, you'll be able to add transactions manually.

Set your monthly budget

Next, you'll be asked to set a monthly budget. We suggest initially setting this to how much you usually spend on your linked card every month (if it's a credit card, this would be your average statement balance). You can always change this from the Settings menu.

Usage

With cards linked and your monthly budget set, your burndown will populate for the current month, and will stay up to date automatically as time goes on.

If your spending line is above the budget line, it means that you've spent more than you should have so far. If it's below, then you've spent less than you could have so far. You know you're staying on track if you're keeping the two lines matched up throughout the month.

App Details

Feature List

Visual Spending Tracker
At-a-glance visibility into how much you're spending against your monthly budget.
Home Screen Widgets
Automatically track your total amount spent and transactions across multiple cards in a single list. Adding and importing transactions is available when linking cards is not supported in the region.
Save Transactions
Save important transactions. This can be helpful when you want to remember to split a bill or expense a purchase later.
Custom Notifications
Create custom push notification triggers tailor-made for your needs. Set alerts for when a transaction is above a certain amount or contains specified text.
Secure And Private
Your information is completely safe. You'll use Plaid to link your cards. Your credentials are end-to-end encrypted and completely inaccessible to the app.

In-App Purchases

Finance Kit Pro

1 week free trial, then $2.99 per month or $29.99 per year.

Every user is allowed to link one card for free, which is enough for many people. Pro users can link multiple. This goes toward maintaining encrypted and private connections with the banks.

Subscribing to Pro enables linking multiple cards across all of the Finance Kit apps, including Transactions.

Developer

Gavin King

http://www.ghking.co

Platform

iOS 15+

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