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Yes, and it's free on all plans. Your data syncs automatically across your iPhone, iPad, and Android devices. You don't need Pro or Pro Sync for this. Pro Sync is a separate feature specifically for linking your bank accounts.

Your bank credentials are never stored in The Budgeting App. Bank connections use read-only access through regulated providers. Open Banking via Fiskil in Australia, and Plaid in the United States and Canada. Read-only means the app can see your transactions but cannot move money or make changes to your accounts.

Your budgeting data is stored in the cloud to keep it in sync across your devices, with a local copy kept on each device so the app works offline too. Pro users can also enable App Lock to add an extra layer of protection if someone else picks up your phone.

The app is available worldwide on iOS and Android, so in almost any country you can download it, use the permanent free plan, and budget by entering transactions manually. Fortnightly (biweekly) budgets are built in natively, which suits anyone paid every two weeks.

Automatic bank sync is the part that depends on where you are. It's available in Australia via Open Banking (powered by Fiskil), and in the United States and Canada via Plaid. Everywhere else, you add transactions manually.

See the full guide for Australian users. See the full guide for US users. See the full guide for Canadian users.

Yes, on the Pro Sync plan. Bank account linking is available in:

Australia via Open Banking (powered by Fiskil)
United States and Canada via Plaid

Transactions sync automatically and appear in a review flow where you categorise and confirm each one. It's designed to keep you engaged with your spending, not just passively track it for you.

No. Manual transaction entry works independently of bank sync and is available on the free plan. You can log every transaction by hand, use bank sync, or use both together. Bank sync is an optional add-on on the Pro Sync plan. Read more about manual budgeting.

Yes. Both work in the same book. Manually log cash transactions while your bank transactions sync automatically. Everything comes together in the same budget.

Yes. Fortnightly budgeting, also called biweekly, is built in properly, not bolted on as a workaround. You set your pay cycle and the app resets your budget accordingly, making it especially useful for people paid every two weeks. Weekly and monthly budgets are also supported.

Yes. Each book can have its own currency, so you can run separate budgets in different currencies side by side. Books are your top-level containers for accounts, budgets, and categories. What's not supported is mixing currencies within the same book.

Yes. The Budgeting App works fully offline. You can log transactions, view your budgets, and manage your categories without a connection. Bank sync data is stored on your device, so you can also review and categorise previously synced transactions offline. You only need internet to pull new transactions from your bank or sync across devices.

Yes. Log into the same account on both devices and your budget syncs automatically. You both see the same transactions, categories, and balances in real time.

Budget rollover carries any surplus or deficit from one budget period into the next. If you underspend a category, that leftover rolls forward and adds to your next period's budget. If you overspend, the deficit is deducted. Rollover can be toggled on or off per category, so you control which budgets accumulate and which reset cleanly each period. It's a Pro feature.

For a detailed walkthrough, see the community guide on Reddit.

Both apps help you manage your budget actively, but they differ in price, flexibility, and how much structure they require.

The Budgeting App has a permanent free plan. Pro is $26.59 per year without bank sync, or $89.99 per year with it. YNAB costs around $109 per year, has no free tier, and requires bank sync to get full value from the methodology.

The Budgeting App supports fortnightly budgets natively. YNAB doesn't. YNAB uses a strict zero-based methodology. The Budgeting App is more flexible and lets you choose how structured you want to be.

See the full comparison.

Subscriptions are managed directly through Apple App Store or Google Play. The Budgeting App can't cancel on your behalf.

On iOS: Settings > [your name] > Subscriptions > The Budgeting App > Cancel Subscription.

On Android: Google Play app > profile icon > Payments & subscriptions > Subscriptions > The Budgeting App > Cancel.

You'll keep access until the end of the current billing period.

You can request account deletion using this form. This will permanently remove your account and all associated data. If you have an active subscription, cancel it first through the App Store or Google Play before submitting the deletion request.