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About Retain: Money Habits

Your money doesn't vanish because you don't earn enough. It vanishes because your habits decide before you do, at 11pm, scrolling, tired, bored. Retain is built to catch that moment and give the rep back to you. TRAIN YOUR MONEY HABITS LIKE YOU TRAIN YOUR BODY Every purchase is a rep. Every check-in is a set. Retain tracks the patterns behind your spending, mood, and habits side by side, so you can actually see which habit is building your wealth and which one is quietly draining it. TURN THE IMPULSE INTO THE WIN You feel the pull to buy something you don't need. Retain gives you somewhere better to put that energy: a goal you actually care about. Same rush. Real result. CASH IN YOUR OWN REWARD Habit Rewards: Show up for your habit. Cash in your own reward. Keep a promise to yourself, and Retain lets you pay yourself for it, from money you already set aside. Nobody is clapping for you but you, and that is the point. A BUDGET BUILT AROUND YOUR NUMBER Pick the percentage of your income you want to save. Retain builds your budget around that number and adjusts it as your income or spending changes. You set the target. We handle the math. YOUR NUMBERS, NO SPIN Analytics shows your top merchants and the real patterns behind where your money goes. Activities pulls in your income, expenses, and savings automatically, no manual entry, no guesswork. See something miscategorized? Fix it in two taps. THE PART THAT ACTUALLY SETS RETAIN APART Most finance apps stop at the transaction. Retain goes further: it connects your mood, habits, and goals to what you actually spend, so the pattern shows up before it costs you money, not after. FEATURES Behavioral Insights: the real reason behind your spending, tracked and surfaced, not buried in a spreadsheet. Goal-Directed Saving: redirect the impulse buy toward the thing you actually want. Habit Rewards: show up for your habit, cash in your own reward. Adaptive Budgeting: set your savings percentage, let the plan adjust as you go. Automatic Tracking: income, expenses, and savings organized without lifting a finger. Analytics: your top merchants and spending trends, at a glance. Private and Secure: your data is encrypted and never sold. Full stop. WHO THIS IS FOR If you already know the budgeting theory and still end up in the same spot every month, Retain isn't another lecture. It meets you at 11pm during the scroll, not at your annual budget review. Download Retain. Start training. Terms of Use: https://www.meetretain.com/terms Privacy Policy: https://www.meetretain.com/privacy

What’s new

Version 1.0.1 · Updated October 16, 2026

• Sleep insights: connect Apple Health to see how your sleep affects your spending, in the new Sleep vs Spending card and in your Spending Readiness score. • Minor bug fixes

App privacy

The developer, Eira Co., reported these privacy practices to Apple.

Data Linked to You

The following data, which may be collected and linked to your identity, may be used for the following purposes:

  • Purchases: Purchase History
  • Financial Info: Other Financial Info
  • Contact Info: Email Address, Name
  • Identifiers: User ID

Used for: App Functionality

Alternatives to Retain: Money Habits

Looking for apps like Retain: Money Habits? Here are 6 similar apps on the App Store. The highest rated is Alatau City Bank Business (4.9/5), and all 6 are free to download.

Retain: Money Habits vs. alternatives
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