Your goals set the budget. Not the other way round.

Yes — and not as a setting you switch off. There is no bank connection in the app at all: no Plaid, no account to create, no server holding your finances. You record expenses yourself, or import a CSV you downloaded from your bank yourself. Apple's privacy label for Budget Fury reads Data Not Collected.

Yes. Everyday variable spending lives in Expense Envelopes — groceries, eating out, entertainment, clothing — each with a monthly limit and a bar showing what's left. Fixed expenses and savings goals sit outside the envelopes, so one expensive week of groceries can't quietly eat your rent.

Yes — that's what goals are for. Give the fund a target and a date; Budget Fury divides the target by the months remaining and reserves that amount inside the monthly budget. Car insurance in March stops being a March problem in December.

It grew out of one — the French listing still carries the name. Budget Fury keeps kakeibo's core loop: decide what you'll save before you spend, record spending by hand so you actually notice it, and review the month against the plan. The calendar view is the ledger; the goals screen is the savings promise you make at the start of the month.

Yes. Every category carries a Need or Want tag, and the budget screen reports the split from your real spending — so you find out whether you're at 50/30/20 rather than assuming it.

Yes. Download a CSV from your bank, map the date, description and amount columns once, and Budget Fury builds a starting budget from real history — it categorises merchants it recognises, spots recurring charges and proposes envelope limits based on what you've been spending.

Yes. Record an expense in the currency you paid in; Budget Fury converts it into your home currency for the budget and keeps the original amount on the transaction. The feature exists because the app was built by someone budgeting through an eleven-month trip around the world.

Yes — the Year Forecast tab. It projects a rolling twelve months from your income, recurring expenses, envelope limits and goal contributions, so in August you can already see whether December works.

Enter a fixed expense once with its recurrence and Budget Fury copies it forward twelve months. The list shows each month's total split into what has already left your account and what's still pending — which is usually the first time people see the true annual cost of their subscriptions.

Yes. A debt is a goal with a target and a payoff date. Because goals are funded at the top of the month, before spending money is allocated, the repayment is protected instead of being whatever happens to survive to the 30th.

It fits if what you want from YNAB is giving every unit of money a job and envelope-style categories, and what you don't want is the yearly renewal and the bank connection. Budget Fury is free with a one-off lifetime unlock, and never connects to a bank. It won't replace YNAB's automatic imports or its shared-budget features — the guide is honest about both.

Yes, through your own iCloud account — there's no Budget Fury account to create. Sync is opt-in and uses Apple's end-to-end encryption. Leave it off and the app works entirely offline on one device.

Yes. The budget screen shows income minus fixed expenses, envelopes and goals, and the remaining figure at the top of the month. Zero-based budgeting is just working that figure down to zero by assigning the rest to an envelope or a goal.

Nothing leaves the device. The assistant runs on Apple Intelligence on your iPhone, iPad or Mac, reads the budget already stored locally, and answers there. No financial data is sent to Budget Fury or to any third party — there's nowhere for it to be sent to.

The app is free to download and use, and premium comes with a free trial. Premium is $2.99, or $29.99 once for a lifetime unlock. No advertising, and no data sold — because none is collected.