ucm
Now available on the App Store

ucm

U Can Manage.

The iOS personal finance app that makes budgeting feel effortless. No subscription. No account. No tracking. Just your money, beautifully organized.

See what you spend in hours of your life — not just dollars.

Download on the App Store See features →
$0/mo
No subscription
0
Data sold
∞
Devices synced
Budget screen
Overview screen
Insights screen

The Problem

Most budgeting apps
get it wrong.

Too bloated, too expensive, or too basic. ucm was designed for real people who just want to know where their money is going — without a finance degree or a monthly bill.

Old-school apps
💸
$10–$15/month subscriptions that never end
🔐
Require account creation and bank linking
📊
Overwhelming dashboards full of noise
🌐
Your data stored on their servers, forever
🐢
Built for web first, bolted onto iOS
ucm
✓
One purchase. Yours forever. No recurring fees.
✓
Zero account required — open and go
✓
Clean, focused UI that shows what matters
✓
On-device storage, synced via your iCloud
✓
Native SwiftUI — built for iPhone and iPad
Spreadsheets
😅
Free, but you do all the work manually
📝
No structure, no categories, no automation
📱
Terrible on mobile
🔔
No reminders, no recurring entries
😞
Usually abandoned within a week

Features

Everything you need.
Nothing you don't.

Budget Tracking

Log expenses in seconds.

A full-screen quick-entry interface with a custom numpad, category chips, and one-tap save. Adding a transaction feels faster than opening your wallet.

Custom numpad Category chips One-tap save
Overview

Budget Planning

Rollover budgets that actually save you money.

Set monthly budgets per category. Unspent money doesn't disappear — it carries forward to next month's budget, so an underspent month gives you more room later.

Monthly budgets Rollover savings Category breakdown
Budget screen

Insights, reimagined

A coach. Not a dashboard.

One score tells you if you're OK. One sentence tells you what to do next. A budget app that talks back — not just another wall of charts.

Health Score 0–100 Weekly Move Runway Savings rate
Insights

Real Hourly Wage

Every $100 is hours of your life.

From Your Money or Your Life — the bestselling book that changed how millions think about money. ucm converts every expense into hours-of-life worked. That $1,200 trip isn't $1,200 — it's 49 hours of your time.

Time, not just dollars Behavior change Rare in budget apps
How the Real Hourly Wage works →
REAL WAGE
$31.30
/ hour of your life
$100 coffee run
=
3.2 hours
of your time

Monthly Review

Know exactly where your money went.

A beautifully designed monthly financial report — income, expenses, biggest categories, savings rate. All in one screen, ready to share.

Donut chart Top categories Shareable report
Spending chart

Savings Goals

Watch your goals come to life.

Create goals with targets and deadlines. Contribute or withdraw any time. A progress ring fills up as you get closer — motivation you can see.

Progress rings Target dates Flexible contributions
Goals screen

Receipt Scanner

Point. Scan. Done.

Point your camera at a receipt. On-device scanning reads the vendor, amount, and date and pre-fills the entry for you to review and save. Completely private.

On-device Auto category Instant entry
Receipt Scanner

Split & Recurring

One night out. Three categories. Zero hassle.

Split any transaction across multiple categories with a live balance tracker. And for rent, Netflix, gym — set up recurring transactions once and ucm handles the rest every month.

Split transactions Live balance Recurring entries
Split Transaction
$142.00 dinner
🍽️
Dining Out
-$80.00
🎉
Entertainment
-$42.00
🎁
Gifts
-$20.00
✓ Balanced $0.00 left

Everything it does

Every feature.
Built for real life.

💰
Smart Budget Tracking
Log income and expenses instantly with a beautiful quick-entry UI.
🔄
Rollover Budgets
Unspent budget carries forward month to month automatically.
📥
Bank CSV Import
Import months of history from most bank exports in seconds — auto-detects columns, shows a preview before importing.
✂️
Split Transactions
Divide any transaction across multiple categories with a live tracker.
📅
Recurring Transactions
Log rent, subscriptions, and bills once — ucm repeats them for you.
🔍
Subscription Audit
See every recurring expense with monthly and annual totals. Flags charges not seen in 60+ days so nothing slips through.
📸
Receipt Scanner
On-device scanning reads your receipts and pre-fills every field. Completely private.
💳
Credit Card Tracking
Track multiple cards, due dates, and balances. Get a reminder 5 days before each payment.
🎯
Savings Goals
Set targets with deadlines and watch progress rings fill up.
🧭
Insights Coach
Health Score, Weekly Move, Real Hourly Wage, Runway, plus the full detailed dashboard.
📋
Monthly Review
A shareable financial report — income, expenses, biggest categories.
🔔
Smart Notifications
Budget threshold alerts, weekly spending recap, mid-month check-in, and card due reminders — all personalised to your data.
📅
Budget History
Compare spending month by month. See where you improved, where you overspent, and how your habits are evolving.
💡
Discretionary Income
After bills and budgets, see exactly what's truly free to spend — no guesswork.
🏆
Milestones & Achievements
Gamified financial habits — earn milestones as you hit savings targets and spending streaks.
🔒
Face ID / Touch ID
Lock the app with biometrics. Auto-locks when you leave.
☁️
iCloud Sync
Seamless sync across iPhone and iPad — no account needed.
📤
CSV Export
Export your full history in standard or QuickBooks-compatible format.

Tutorial

Every feature,
explained.

Swipe through all 18 features — free and Pro — to see exactly what ucm can do for you.

🔐

Privacy Promise

Your data never
leaves your control.

No account. No ads. No tracking. The core app runs entirely on your device and iCloud — no server, no cloud middleman. Your finances belong to you — and only you.

No account required
Zero data collection
No ads. Ever.
iCloud encrypted
No server. No tracking.

Pricing

Simple pricing.
No subscription.

Start free. Unlock the full app for the price of a coffee — one payment, no renewal.

Prices shown are in US Dollars.

Free

Free

Everything you need to start taking control of your money — no card required.

$0

always free

No credit card · No account

Included

✓ Expense & income tracking
✓ Monthly budgets per category
✓ Budget rollover savings
✓ Full transaction history
✓ Search, filter & bulk delete
✓ Import from bank CSV
✓ Home screen & lock screen widget
✓ iCloud sync across devices
✓ No account. No tracking. No ads.
Download Free
Most popular

Pro

The full picture. Every feature. One payment — yours for life.

$4.99

one-time · no subscription

Pay once. Yours forever. ✓

Everything in Free, plus

✓ Smart notifications — weekly recap, mid-month check-in
✓ Insights Coach — Health Score, Weekly Move, Real Hourly Wage
✓ Monthly review reports — shareable
✓ Savings goals with progress rings
✓ Recurring transactions auto-generated
✓ Subscription audit — catch forgotten charges
✓ Discretionary income — see what's truly free to spend
✓ Receipt scanning — point, scan, done
✓ Credit card tracking & due date alerts
✓ Net worth tracking month by month
✓ Split transactions across categories
✓ Milestones & achievements — gamified financial habits
✓ 50/30/20 guardrails
✓ CSV export for Excel, Numbers, QuickBooks
✓ All future updates included
Get Pro — $4.99

YNAB charges $109/year. Copilot charges $95/year. ucm Pro is $4.99. Once.

Coming soon

ucm Connect

In development — an optional cloud service with bank connections and automatic transaction import. Coming later.

Coming soon

price TBD

Planned features

◦ Automatic bank transaction import
◦ Real-time balance sync
◦ Smart auto-categorisation
◦ Multi-currency accounts
◦ Everything in Pro included
Join the waitlist — coming in 2026

FAQ

Questions, answered.

Is it really a one-time purchase?
Yes. Pay once and own the app forever — that includes the Pro features built into the app. (A separate optional cloud service, ucm Connect, may be offered later.)
What happens if you stop developing the app?
The app keeps working. ucm runs entirely on your device — your data lives in your own iCloud, not our servers, so nothing depends on us staying online.
Why is it so cheap?
Because there's no server to pay for and no investors to satisfy. Other apps charge $10–15 every month forever. ucm is a one-time price — you're paying for software, not renting it.
Can I get a refund?
Yes — refunds are handled by Apple through the standard App Store process, typically within 14 days of purchase.
Is my data really private?
Completely. ucm has no account, no login, and no analytics tracking you. Your finances never touch our servers. See the privacy details above.
Will I lose my data if I switch devices?
No. ucm syncs through your private iCloud account, so your data follows you across iPhone and iPad automatically — encrypted, and only visible to you.
Is there an Android version?
Not yet — ucm is built iOS-first to take full advantage of the platform. An Android version is being considered for the future.

Start managing
your money today.

Join people who finally feel in control of their finances — without the stress, the subscription, or the spreadsheet.

Download on the
App Store
History
Overview
Goals