SAFE Budgeting

SAFE Budget is the personal finance app where your money stays with you. Your ledger lives in the app's protected storage on your devices and in your own private — or explicitly shared — iCloud. SAFE Budget operates no financial-data server. NEW IN 2.0: SIMPLER EVERYWHERE, MADE FOR IPHONE DUO - Five tabs that never move: Home, Transactions, Plan, Accounts and Insights. - Plan › Bills is one list: bills, subscriptions, recurring charges and loan payments, grouped by month, with the ones we found in your bank ready to confirm. - One "Needs attention" inbox replaces the scattered review counters. - On iPhone Duo, the cover screen is a focused phone budget; unfold it for a sidebar and more room. Folding or unfolding mid-entry keeps your place and anything you were typing. SAFE TO SPEND, NOT JUST A BUDGET Safe to Spend is the lowest your balance is projected to reach before your next paycheck — after bills, debt payments and your safety cushion. See the math behind it any time. PRIVATE BY ARCHITECTURE No account to create and no hosted ledger backend. Synced ledger values use CloudKit encrypted fields, and attachments use CloudKit assets. Apple documents these as end-to-end encrypted when Advanced Data Protection is on; otherwise they are encrypted in transit and on Apple's servers under standard iCloud protection. Unlocking the app uses your device's own Face ID, Touch ID or passcode. CONNECT A BANK ONLY IF YOU WANT TO - Apple Wallet: link Apple Card, Apple Cash and Savings through Apple's FinanceKit. Read on your iPhone, stored in your ledger, never sent to the developer. Off until you turn it on; revocable in Settings. - Bank sync through SimpleFIN, or bring your own Plaid developer keys. Credentials stay in your Keychain. SimpleFIN and Plaid are independent services you authorize directly and process bank data under their own privacy policies. - Or type a balance in and import a file — CSV, OFX/QFX or CAMT.053. PLANNING THAT GOES BEYOND BUDGETING - Budget envelopes with rollover, and Move Money between them - Savings goals with a required-contribution solver - Loans and debt payoff (avalanche vs. snowball) - Mortgage analytics: equity, LTV, PMI, payoff dates, affordability - Tax estimate: brackets, FICA and withholding (an estimate, not tax advice) - Retirement and 401(k) projections, home project budgets FORECASTS, INSIGHTS AND REPORTS A day-by-day running balance from your real pay dates and bills, a what-if slider, and a long-term net-worth forecast with conservative, expected and optimistic bands. Reports for spending, income vs. expense, cash flow, net-worth trend and a money-flow Sankey, plus a report builder. RECEIPTS AND WARRANTIES On-device text recognition reads receipts — every page — so you can split a purchase line by line. Track warranties and get a heads-up before coverage ends. HOUSEHOLD SHARING Invite a partner through Apple's CloudKit sharing, with owner, editor and guest permissions. Settle Up keeps shared expenses fair. ACROSS YOUR APPLE DEVICES Native SwiftUI for iPhone, iPhone Duo, iPad, Mac and Apple Watch. Widgets that redact when your device is locked, Siri ("What's left in SAFE Budget", "Mark a bill paid in SAFE Budget"), Control Center quick add and keyboard shortcuts. NO ADS. NO DATA SELLING. NO TRACKING. No advertising, no analytics, no advisory commission and no developer-operated ledger server. PRICING Free to download, and your first month of SAFE Budget Plus is free. Then $9.99 a year, or $29.99 once for lifetime. Family Sharing supported. If your subscription ends, you can still export everything you saved, at any time, without paying again. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the period; manage them in your Apple Account settings. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://gallahadd.com/privacy-safebudget.html