Newmonth: Zero-Based Budgeting
iOS app by Bogdan-Florin Vlad. Finance · Bogdan-Florin Vlad
- Store rating
- 0 / 5
- Store rating count
- 0
- Download price
- Free to download
- In-app purchases
- Unknown
- Version
- 0.10.0
- Listing last refreshed
- 2026-09-12
View the original store listing
Store description excerpt
How much can you spend today? Not your balance — what's actually free after rent, November's insurance, and the trip you're saving for. newmonth answers that with one number, and keeps it honest when plans change. KNOW WHAT'S SAFE TO SPEND Zero-based budgeting in one sentence: every amount gets a job before you spend it. Assign your income to categories until To Assign reads zero. From then on, each category's Available is the honest answer to "can I afford this?", and the answer is always on screen. OPEN THE APP, SEE WHAT'S LEFT TO DO Home is a worklist, not a dashboard: what's still to assign, what needs attention (overspending, underfunded goals, a statement ready to pay, transactions to review), and what's due this month. Pin the categories you check most. When nothing's left, Home says so: "All caught up". ADD A PURCHASE BEFORE YOU LEAVE THE SHOP • Under five taps: type the amount, pick the payee, and the category and account fill in from last time • Paid with Apple Pay? A one-time Shortcuts automation drops every tap into your budget, category included • Bills that repeat post themselves on schedule — you only enter what's new OVERSPENT? FIX IT WHERE YOU SEE IT The moment a category goes over, the fix is right there: cover it from another category or from To Assign, one tap. Assigning works the same way: tap Assign Money, pick a category, type (a calculator is built in), and watch To Assign count down; nothing is saved until you finish. Or apply a rule — Underfunded, last month, your twelve-month average — each previews its total before you tap, and they layer. Over-assigned? One tap takes back what sits beyond your goals. SAVE AT YOUR OWN PACE Five kinds of goals — monthly, weekly, yearly, a savings balance, or needed by a date — and a glance tells you whether you're on track. CREDIT CARDS WITHOUT THE HEADACHE A credit card is just another account: spend from the category, pay the card with a transfer. No phantom payment category, no money moving behind your back — if your categories are positive, the cash for the bill is already there. Carrying a balance? Budget toward the card each month, track the statement, and the app tells you when it's ready to pay. Loans, cash, savings, and net-worth tracking accounts live alongside. BUDGET TOGETHER, WITHOUT THE "WHO BOUGHT THIS?" Share your plan with a partner through iCloud — you both see the same numbers, live, on your own phones. Give each account an owner, and every phone opens new transactions on the right account and remembers payees per person. Every transaction shows who entered it, and Home shows what your partner added. SEE WHERE YOU STAND Spending trends, category breakdowns, how many months ahead you live — and the odd fact your budget has been quietly collecting about you. YOUR MONEY NEVER LEAVES YOUR ICLOUD No account to create. No bank logins. No servers — we don't have any. Your budget lives on your iPhone and syncs through your own iCloud — nobody else can read it, includ
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