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.

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 rolls over. Your discipline builds real savings automatically.

Monthly budgets Rollover savings Category breakdown
Budget screen

Insights & Net Worth

Beautiful charts. Zero overwhelm.

Monthly spending breakdowns, needs vs. wants analysis, net worth snapshots, and savings rate tracking. See your full financial picture in one scroll.

Spending pace Net worth Savings rate
Insights

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

AI Receipt Scanner

Point. Scan. Done.

Point your camera at any receipt. GPT-4o powered scanning reads the vendor, amount, date, and suggests the right category — all pre-filled and ready to save. No typing needed.

GPT-4o powered Auto category Instant entry
Receipt Scanned
📷
Reading receipt…
Whole Foods Market
🛒
Whole Foods
Suggested: Groceries
-$74.32
Apr 28, 2026
Save ✓

Split & Recurring

One dinner. Three categories. Set it once.

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.
All included.

💰
Smart Budget Tracking
Log income and expenses instantly with a beautiful quick-entry UI.
🔄
Rollover Budgets
Unspent budget carries forward month to month automatically.
✂️
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.
📸
AI Receipt Scanner
GPT-4o reads your receipts and pre-fills every field.
💳
Credit Card Management
Track multiple cards, due dates, and balances at a glance.
🎯
Savings Goals
Set targets with deadlines and watch progress rings fill up.
📈
Insights & Net Worth
Beautiful monthly breakdowns, savings rate, and net worth history.
📋
Monthly Review
A shareable financial report — income, expenses, biggest categories.
🔒
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.
🔐

Privacy Promise

Your data never
leaves your devices.

No account. No ads. No tracking. No server. Your finances belong to you — and only you. Protected by Apple's encryption, on your own iCloud.

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

Pricing

Pay once.
Use forever.

No subscription. No renewal. No "premium tier." Every feature, always, for everyone who downloads ucm.

One-time purchase
$4.99

one-time · no subscription

Pay once. Yours forever. ✓

✓ All 12+ features included
✓ iPhone + iPad support
✓ iCloud sync across all devices
✓ AI receipt scanning (GPT-4o)
✓ All future updates included
✓ No account. No tracking. No ads.
Download on the App Store

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

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
Insights