A tree for every goal
Trip, emergency fund, payoff fund, big purchase, or one you name. Each grows from the real dollars you have actually put in.
Get Budgetree
Point your phone’s camera at the code — it opens budgetree.app, and the App Store from there.
iOS 17+ · US · USD. Android is on the way.
Track your spending
Stay on pace
Grow your tree
Everything in the app
Also on Budgetree
Trip, emergency fund, payoff fund, big purchase, or one you name. Each grows from the real dollars you have actually put in.
The close report, frozen the moment the cycle is: what you protected, where it went, the trees that grew. Rewatchable forever after.
One number out of 100 for how well the plan is holding — protection, pace and goals kept — and an info sheet that takes it apart.
One pot and a countdown for the days you’re away, paced across the trip. Your monthly cycle keeps running underneath it.
What’s left today and how close your featured tree is, before you open anything. Small and medium sizes.
No bank logins in this release. Face ID lock, a cover in the app switcher, and push notifications that carry no amounts or merchant names.
Opt-in bank linking through Plaid, so transactions can arrive on their own. It will always be a choice — typing it in stays first-class.
“Hey Siri, log an expense.” The same action that sits behind the Apple Pay shortcut, by voice.
One tree, two people. Share the goal you’re both saving toward, with per-field control over what the other person sees.
A native Android app on the same backend, so your cycles, trees and shares carry over untouched.
*Anything marked “Coming soon” is planned work, not part of the current release — and what lands, and when, can change. Everything else is in the app today: iOS 17+, US, USD.
The difference
Most budgeting apps are a rear-view mirror — they tell you where the money went. Budgetree starts from the number you are trying to keep, and spends the whole cycle protecting it.
The app does the heavy lifting, so building savings feels automatic instead of stressful. Set your plan and each tree’s share once — every close divides what you protected across your forest for you, down to the cent.
Share a goal with your partner, your family or your housemates and stay on the same page without the awkward conversations. One tree, two people — your own plan, your own limits and your own spending stay yours.
Log every expense without connecting a bank account. Private, simple, and fully under your control — there are no bank logins and no screen-scraping, and what you spend is never sold.
Ways to log
Type it in, or log when you tap a selected card. Siri and bank connect come later. Each option says exactly what it records.
Quick-add from the + beside the tab bar, or straight from the home-screen widget. Plain words work — “coffee 4.50” finds the right limit and files it under today.
Works on every card, in every shop, online and off. Three taps, no setup.Budgetree logs when you tap selected cards, through a one-time Shortcuts automation you set up yourself. The confirm sheet opens so you can check the goal and amount before it lands.
Apple Pay taps only. Recurring charges, card-on-file billing and non-Apple-Pay swipes aren’t captured — add those by hand. Setup is per device, because iOS won’t let an app install the automation for you.“Hey Siri, log an expense.” It runs the same action that sits behind the Apple Pay shortcut, so anything you can tap, you’ll be able to say.
Planned for version 1.1. Not available in the current release.Opt-in bank linking through Plaid, so transactions can arrive on their own. It will always be a choice, and manual entry stays first-class for anyone who’d rather not.
Planned for version 1.1. Today Budgetree needs no bank login at all.*Budgetree is self-reported by design in this release: it protects what your plan says and never claims to verify a bank balance.
Budget with others
Three ways a budget stops being a solo project. The trip pot is in the app today; the other two are dated below, not implied. In all three, your own plan, your own limits and your own spending stay yours.
One tree, two people. Share the goal you’re both saving toward and watch the same tree grow from both sides — without merging your money or your budgets.
Both sides see the tree. Neither side sees the other’s plan.
Pick a finish line and race someone to it. One bar, two sides, a date it settles — and it is measured in the money you each actually put away, never in points.
Whoever has protected the most when the clock runs out.
One pot and a countdown for the days you’re away, paced across the trip so the last night has as much left in it as the first.
Spend it faster and tomorrow’s share adjusts, not your savings.
Get Budgetree
Plan your savings. Protect them from overspending. Watch your forest grow.
Free to download, free to plan. Android is on the way — join the list and we’ll tell you the day it lands.
*No card and no bank connection to get started. iOS 17+, US only.
Help centre
Short answers, in plain words, from the people building it. Pick a topic to jump to its questions, or write to us if yours isn’t here.
How the formula works, what a tree is, and what a share actually does.
Read the answers →What gets captured, what doesn’t, and when Siri and bank linking arrive.
Read the answers →When a cycle ends, what Wrapped is, and where money nothing caught goes.
Read the answers →Devices, currency, what happens to your data, and how to leave.
Read the answers →The formula, and the things it feeds.
No — and in this release you can’t. Budgetree is self-reported by design: you record what you spend, and the app protects what your plan says. There are no bank logins and no screen-scraping. Opt-in bank linking is planned for a later version, and manual entry will stay first-class when it arrives.
A tree is something you’re saving toward — a trip, an emergency fund, a payoff fund, a big purchase, or anything you name yourself. A spending limit is a flexible budget for a category like groceries, or for one specific habit like a particular café.
They pull in opposite directions on purpose: staying inside your limits is what protects the amount your cycle set out to save, and that protected money is what grows your trees.
A weight, not a fixed dollar amount. Each tree carries one, and when the cycle closes, whatever you protected divides across your trees in proportion to their shares — down to the cent.
Move one share on the forest page and the others rebalance around it. A tree with no share simply waits; it doesn’t fall behind, and it’s never labelled as such.
Exactly what each path catches.
You set up a one-time Shortcuts personal automation on your iPhone that runs when you tap a card you’ve chosen. It hands the amount to Budgetree’s log-expense action, and a sheet opens so you can confirm or edit the goal and the amount before it lands.
Put plainly: the app logs when you tap selected cards. It does not watch Apple Pay, and it can’t see payments you make any other way. iOS also won’t let an app install that automation for you, so setup is a short guided walkthrough on each device.
Recurring charges, anything billed to a card on file, and ordinary swipes or chip-and-pin payments that don’t go through Apple Pay. Cards you didn’t select are also not included.
Add those the way you’d add anything else — type it in. It takes about three taps, and it works everywhere.
Both are planned for version 1.1, not available today. Siri logging will run the same action that sits behind the Apple Pay shortcut, so “Hey Siri, log an expense” will do what a tap does. Bank linking will use Plaid, will be opt-in, and will never be required to use Budgetree.
How a cycle ends, and what you get when it does.
Monthly by default, or aligned to your payday if that suits you better. The window is fixed when the cycle opens, but the plan inside it stays live: change your income, a bill, or a limit on any day and the whole cycle’s maths follows immediately.
The plan settles at the cycle’s end instant. An edit made before then counts for this cycle — even on the last day. An edit made after belongs to the next one.
The close report. When a cycle ends, Budgetree freezes what happened — income, bills, what you spent against each limit, what you protected, any under-budget bonus, the trees that grew, and your spending score — and plays it back once as the close of the cycle. After that it lives in your review strip and you can rewatch it whenever.
There’s no half-time version: an open cycle shows a countdown, not a preview.
It waits as Unallocated on your forest page until you place it, which you can do whenever you like. Nothing expires and nothing is lost.
Money you’ve already placed isn’t locked either — you can move it between trees any time afterwards.
The practical bits.
iPhone on iOS 17 or later, in the US, in USD. A native Android app is planned — the backend is already built for it — and there’s no web version.
No. What you spend is never sold, and nothing about your plan is shared with anyone. Lock-screen notifications deliberately leave out amounts and merchant names, so a glance at your phone on a table doesn’t show your budget to the room.
You can also lock the app behind Face ID, and the app switcher shows a cover instead of your figures.
The core budget is free, with no card needed to start. A premium tier is planned for later; the plan-and-forest core stays free.
Deleting your account is a row on your profile page and it erases your data server-side, not just on the phone. If you’d rather keep the history and stop a goal, archive it instead — that keeps what happened without cluttering your forest.
Send one email with a brief description of what happened and a screenshot or two — those two things solve most of what reaches us. We’re a small team, so response times vary, but every message is read by someone building the app.
We’ll never ask for your password, a card number, or a bank login — Budgetree doesn’t use them.