UltiBudget
Privacy First
Sync with partners*
Instant balance updates*
No developer access
Our Standards
Reconcile: Select a CVS file to AUTO RECONCILE transactions.
Scan Receipts: Private on-device software extracts key details.
Instant Sync: Using bank alerts and the Shortcuts app to auto create transactions as soon as you checkout your groceries
Developed in the USA
Budgeting Doesn't Have To Be Hard!
We wanted a system that would be easy enough to use, simple enough to choose.
Synced Accounts
All your balances all in one place. Totaled. Reconciled. Easily managed.
Avoid interest by tracking available balance.
Trusted Service
A good work ethic and honesty are two things that have been instilled in me from childhood. We'll make sure you get what you deserve - a job done well!
Our Promise
Not all problems can be prevented, but they can be solved. If something goes wrong, we'll go the extra mile to make things right. That's our promise to you!
Receipt Scanner
UltiBudget’s receipt scanner makes adding expenses fast and effortless. Just snap a photo — it detects the receipt, pulls out totals, finds the merchant, and suggests the best account. While not perfect, it's surprisingly smart, learning patterns over time and lifting the bulk of the bookwork in seconds. You review, tweak if needed, and save — no tedious typing required.
UltiBudget’s Add Transaction screen is built so you can go from “just paid” to “fully logged” in a few quick taps. You pick the type (expense, income, or transfer), choose an account, and either enter one amount or break it into precise split categories with an auto-remainder helper that keeps the total correct as you tweak. The form remembers your favorite accounts and categories, offers quick amount suggestions, and handles true two-sided transfers by creating linked in/out entries so balances and reports stay accurate. When used with receipt scanning, UltiBudget can prefill dates, amounts, and merchant names so you’re mostly reviewing instead of typing. It’s not magic—sometimes suggestions need a quick edit—but the flow is optimized for repeat use, making manual transaction entry in your budgeting app fast, predictable, and surprisingly low-friction.
Bank CSV Import
UltiBudget’s CSV Import Wizard lets you bring in years of bank and card history without wrestling with spreadsheets. Import a CSV from almost any bank, walk through a simple 6-step flow, and watch it auto-detect dates, merchants, memos, and amounts — even when your export uses debit/credit, separate income/expense columns, or combined signed amounts. You get live previews of your transactions, inline category handling, and a clear summary of what will be added before anything touches your real data.
Behind the scenes, UltiBudget quietly does the tedious work: it detects headers, predicts the right columns, and runs smart duplicate matching so you don’t double-import old transactions. When something’s ambiguous, it doesn’t guess blindly — you stay in control with clear warnings, editable mappings, and the option to merge or keep existing entries. It’s not magic, but for most real-world bank CSVs, it turns a painful manual import into a quick review-and-confirm step that keeps your budget accurate and up to date.
Split Transactions
UltiBudget makes split transactions painless, so your reports actually match real life. When one purchase covers groceries, household supplies, and a random Target splurge, you can divide a single charge into multiple line items, each with its own category, memo, and amount. That means cleaner category totals, more accurate monthly budgets, and clear insight into where your money really goes — instead of one vague “Shopping” blob.
You’re always in control: quickly add or remove splits, adjust amounts until they balance, and fine-tune categories to match your budgeting style. It won’t guess every split for you, but the workflow is fast, predictable, and designed for people who care about detail without wanting to fight their tools. If you’ve ever wished your budgeting app handled complex expenses properly, UltiBudget’s split transaction support is built exactly for that.
Offline Privacy
UltiBudget is built for offline-first reliability, so your budgeting never depends on having a signal. You can add transactions, tweak budgets, split purchases, and review history even in airplane mode — perfect for travel, bad reception, or privacy-conscious users. Everything is stored safely on your device and automatically syncs to the cloud once you’re back online. In rare cases where changes conflict, UltiBudget keeps your data safe and guides you to resolve differences instead of silently losing edits. If you’ve ever had a budgeting app freeze because the network dropped, offline-first UltiBudget is a huge upgrade in day-to-day reliability.