You want to budget. You just hate the subscriptions.
Track every peso. Watch your savings grow.
See where every peso goes without turning it into a chore. Type “coffee 150 starbucks” and it's logged in two seconds. Set budgets, clear utang, and watch your savings grow, all on your iPhone with nothing in the cloud.
Saved so far
₱228K
Designed to stay out of your way.
Log a transaction in seconds, get the answer you came for, and get back to your day.
See where it all went
Watch goals get closer
Spot your heavy days
Know what's left to pay
Never miss a due date
Fixed costs, handled
Every utang, straight
Net worth at a glance
Every reason you don't budget is a reason Tipid exists.
“Every good budget app costs $100/year.”
Tipid is free. Forever.
No subscription and no in-app purchases. Every feature is included, with no cap on how much you track.
“I don’t want to give my bank login to an app.”
Neither do we.
Tipid has no bank sync and never asks for credentials, so there is no Plaid connection to think about. You enter transactions yourself, or speak them. Your financial data never touches a server.
“Manual tracking is too tedious.”
Type it like you say it.
Type “coffee 150 starbucks” and Tipid’s on-device AI fills in the amount, the name, and the category. You never have to tab through a form.
Everything it takes to keep more of what you earn.
Spending, budgets, debts, bills, and savings all in one place, so staying on top of your money takes minutes instead of your whole evening.
Just say it. AI does the math.
Logging an expense stops being a chore. Type “grab 65” or “salary 25k” and Apple Intelligence fills in the amount, name, and category in a tap. Without it you pick the category yourself, and everything else works the same.
“coffee 150 starbucks”
Budget tracking
See what's safe to spend before you tap pay, so the month never ends in a nasty surprise.
Accounts & net worth
Cash, debit, credit, and investments. Your net worth updates the moment you log income or an expense.
A savings piggy that's actually alive
Coins drop in as you set money aside. The piggy grows plump the more you save, and it cracks when you spend more than you earn. You can tell how the month is going without reading a single number.
Spending calendar
See what you spent on each day, and spot the heavy ones across the month.
The small spends that quietly add up
Tipid surfaces the forgettable purchases you stopped noticing and shows you where the money is actually going. With Apple Intelligence (iOS 26+), it turns those numbers into plain-language tips, all on the device.
On-device AI
Apple Intelligence handles categorization, insights, and voice input. It needs iOS 26 or later. Tipid works without it.
Savings goals
Set a target and track your progress. Your savings piggy grows plumper the more you stash away.
Debt & money owed
Always know who you owe and who owes you, so an utang never strains a friendship or slips your mind.
Installment plans
See exactly how much is left on every plan, so a monthly due date never catches you short.
Planned payments
Never miss a due date, or the late fee that follows it. Bills line up ahead of time and clear with one tap.
Recurring rules
Your fixed costs log themselves, so the only spending left to watch is the spending you actually choose.
Apple Watch
Catch a cash spend the second it happens, before you forget, right from your wrist.
Home & Lock Screen widgets
Glance at today's spending without even opening the app, a quiet nudge that keeps you honest. Home and lock screen sizes to fit your setup.
₱1,250
spent today
₱1,250
4 transactions
Export, backup, and more
Your records stay yours and portable: CSV and JSON export, PDF statements, automatic local backups, multi-currency, quick notes, monthly summaries, receipt scanning, and Siri shortcuts.
No bank sync
No Plaid, no credentials, and no third party touching your accounts.
No cloud
There are no servers and nothing to sync. Your finances stay on the phone in your pocket.
Yours
Delete the app, delete the data. We never had it.
On-device AI, always
Your financial data
never leaves your device.
Completely free.
No subscription and no in-app purchases. Every feature is included.
Tipid
Nothing is locked behind a paywall or a usage cap.
What you get
- Unlimited transactions
- Unlimited budgets and goals
- AI features and monthly summaries (with Apple Intelligence)
- Spending insights and forecasting
- Multiple accounts and currencies
- Debt, installment, and bill tracking
- Recurring rules and quick notes
- Receipt scanning (OCR)
- CSV and JSON export
- Widgets, Siri, and Apple Watch
- 100% offline and private