You want to budget. You just hate the subscriptions.
Smart budgeting that stays on your device.
Type “coffee 150 starbucks” and Tipid logs it, categorizes it, and tracks your budget — all with on-device AI. No bank sync. No cloud. No subscription.
See it in action
Designed to stay out of your way.
Sound familiar?
Every reason you don't budget is a reason Tipid exists.
“Every good budget app costs $100/year.”
Tipid is free. Forever.
No subscription, no in-app purchases, no surprises. Everything included, no limits. While others charge $100/year, Tipid costs nothing.
“I don’t want to give my bank login to an app.”
Neither do we.
No bank sync. No credentials. No Plaid. You enter transactions yourself — or just speak them. Your financial data never touches a server.
“Manual tracking is too tedious.”
Just say it.
Type “coffee 150 starbucks” and Tipid’s on-device AI logs the amount, names it, and categorizes it. Two seconds, done.
Everything you need
Simple for beginners. Powerful for everyone.
Just say it. AI does the math.
Type “grab 65” or “salary 25k” — Tipid's on-device AI parses the amount, names the transaction, and categorizes it instantly.
“coffee 150 starbucks”
Budget tracking
Set category budgets and watch progress rings fill up. Know exactly where you stand.
Multiple accounts
Cash, debit, credit, investments. See your net worth at a glance.
AI insights that actually help
Tipid analyzes your spending patterns and gives you specific, actionable suggestions to save money — powered by Apple Intelligence, never leaving your device.
On-device AI
Apple Intelligence powers everything. Your financial data never touches a server.
Savings goals
Set a target, track your progress. Watch your savings grow toward something meaningful.
Debt & money owed
Track what you owe and what's owed to you. Per-person totals, partial payments, and overdue alerts.
Installment plans
Track monthly payments with progress bars. Record payments and see your remaining balance at a glance.
Planned payments
Never miss a bill. Schedule upcoming payments, get overdue warnings, and mark them paid with one tap.
Recurring rules
Set up repeating expenses and income — daily, weekly, monthly, or yearly. See your total monthly cash flow.
Apple Watch
Log expenses from your wrist. Speak “coffee 150” and it's on your iPhone instantly.
Home & Lock Screen widgets
See today's spending, recent transactions, and budget progress without opening the app. Small, medium, and large sizes for your home screen — plus lock screen counters.
₱1,250
spent today
₱1,250
4 transactions
Export, backup, and more
CSV & JSON export, PDF statements, automatic local backups, multi-currency support, quick financial notes, monthly summaries, receipt scanning, and Siri shortcuts.
No bank sync
No Plaid, no credentials, no third-party access to your accounts. Ever.
No cloud
Zero servers. Zero sync. Your finances live in your pocket and nowhere else.
Yours
Delete the app, delete the data. We never had it.
On-device AI. Always.
Your financial data
never leaves your device.
Pricing
Completely free.
No subscription. No in-app purchases. Everything included.
Tipid
Everything included. No limits. No surprises.
What you get
- Unlimited transactions
- Unlimited budgets & goals
- All AI features & monthly summaries
- Spending insights & forecasting
- Multiple accounts & currencies
- Debt, installments & bill tracking
- Recurring rules & quick notes
- Receipt scanning (OCR)
- CSV & JSON export
- Widgets, Siri & Apple Watch
- 100% offline & private
Coming soon on the App Store