ourBudget

ourBudget: Budget with Intent

Stop tracking the past. Start funding your future.

ourBudget is the minimalist (yet extensive) envelope budgeting system designed for those who want absolute clarity over their finances without the friction of traditional spreadsheets or long painstaking setup. It's not just a ledger; it's a proactive companion that tells you exactly what your money is doing and how much is actually available to you now, so you are not overspending in the future, today.

DEVELOPER HEADLINE FEATURES

• NO Subscriptions
• NO Features locked behind in-app purchasing
• NO Advertising
• NO DATA COLLECTED AT ALL
• BUDGET SHARING - NOT PAYWALLED

THE DASHBOARD: YOUR FINANCIAL COCKPIT

No more digging through menus. The Dashboard surfaces "Needs Attention" cards only when you need them.

• Quick Entries: Capture spends in seconds
• Reconciliation: Match your bank balance with a single tap using Auto-Recommend logic
• Allocation: Instantly see if you have unallocated cash or overspent envelopes

ENVELOPES vs. ACCOUNTS

ourBudget makes the critical distinction between where your money is (Accounts) and what it's for (Envelopes).

• Real-time Balances: Know exactly what's in your checking, savings, and "Cash" accounts
• Purpose Driven Funding: Allocate every pound, dollar, or euro to a specific envelope. From Rent and Groceries to "New Tech" and "Holiday Fund"

THE "SPENDING MONEY" VIEW

The most important question in budgeting: "Can I buy this?"

ourBudget calculates your "Spending Money" by subtracting your upcoming bills and committed goals from your current cash. If it says you have £50 left for the week, you can spend it guilt free.

PARTNER SHARING & ICLOUD SYNC

Budgeting is better together. ourBudget uses Apple's latest CloudKit technology to provide seamless, real-time sharing.

• Live Sync: When your partner records a grocery spend, it updates on your device instantly.
• Privacy First: Your data lives in your iCloud. No third-party servers, no selling your data.

ZERO FRICTION ENTRY

The best budget is the one you actually use. ourBudget is built to be "invisible" until you need it.

• iOS Shortcuts: Create a Quick Spend shortcut for tracking spending in seconds
• Instant Transaction: Map the shortcut to your Action Button for less than 5 second transaction recording
• Lock Screen Widgets: Use the Quick Spend shortcut to record transactions directly from your lockscreen

THE MONTH END RITUAL

Close the month with intent. ourBudget guides you through a structured Month-End Review to handle rollovers, review unused targets, and celebrate your savings progress before the new month begins.

KEY FEATURES

• Ambient UI: A beautiful, card based design with an "Ambient Background" that feels native to iOS.
• Insights & Trends: Visualise your spending pace, debt progress, and income to target ratios.
• Debt Management: Integrated debt repayment planning to help you clear balances intentionally.
• Recurring Templates: Set it and forget it for bills and subscriptions with proactive reminders.
• Local First: Works offline perfectly. Your data is yours.

Join (hopefully, soon to be) hundreds of users who have moved from "where did my money go?" to "this is exactly where my money is going."

Download ourBudget today.