The credit-card statement you already download each month is a full record of your spending. Local Budget reads it right on your iPhone and turns it into a budget you can actually see.

Free for your first 150 transactions · iPhone only, for now

How it works

1. Download a statement from your card issuer. It's the PDF or CSV they already give you every month.
2. Import it into Local Budget: open the file in the app, or use the Share sheet from Files, Safari, or Mail to send it straight in. Every transaction is read on your phone, and scanned or photographed statements work too.
3. See where your money goes: categories, budgets, trends, and bills.

What you get

• Spending by category, with charts by day, week, month, or year
• Per-category budgets with optional rollover, plus savings goals
• Recurring bill and subscription tracking, with due-date alerts
• Income and net worth alongside your spending
• A home-screen widget for spending vs. budget at a glance
• Categorize a merchant once and it stays categorized on every future import
• Import the same statement twice and the duplicates are skipped

New in version 1.3

• Apple Card. Connect it and its transactions come in on their own, read from Apple Wallet on your iPhone with your permission. Apple Card only, never Apple Cash or Savings, and card payments are left out. US only.
• Categories that mostly sort themselves. Merchants you've categorized before, and common ones like Costco and Shell, are categorized as they arrive. You see them in the import preview and can change any of them. A category you set is never overwritten.
• Categorize by Merchant. Everything uncategorized, grouped by merchant, largest first. One choice covers every transaction from that merchant and future imports.
• Labels. Group spending across categories, like a trip, then filter and chart it.
• See what's behind a number. Budgets, categories and merchants open the transactions behind them, and Home's insights open what they describe.
• Encrypted backups. Every backup is locked with your password (256 bit AES). Keep the password in iCloud Keychain and a new iPhone opens your backups without typing it.

Version 1.3 is rolling out through the App Store.

What it costs

Your first 150 imported transactions are free. That's a couple of months of real use, enough to know if it fits. After that, unlimited importing is a small monthly or yearly subscription (exact pricing for your region is on the App Store). That's the whole business model: you pay for the app. No ads, no selling data, no "free" funded by your information.

Privacy you can check

There's no bank connection, no account to create, and no server on the other end, so your financial data simply has nowhere to go. It even works in airplane mode. Don't take our word for it: the App Store privacy label reads "Data Not Collected."

What if it can't read my statement?

It handles the major U.S. and Canadian card formats, and CSV import covers nearly everything else. If a statement doesn't parse correctly, or you hit any bug, email it to localbudget@tripletnotes.com. We're committed to making Local Budget a genuinely high-quality, reliable app, so parsing issues and bugs are a priority: fixes ship fast, we read every message, and every unusual statement makes the app better for the next person.