Money Manager & Budget Planner Downloads & RevenueMoney Manager & Budget Planner · App Store

Payday lands, and somewhere around the middle of the month the guessing starts again. Cloudless does the sums once and turns them into a single number you can act on: what you can spend today.

NO BANK LOGIN
There is nothing to connect. Cloudless never asks for your online banking details, never sees your account and never opens one of its own. Every figure you enter is stored in a database on your iPhone, and the app works in aeroplane mode, because there is no server at the other end of it.

ONE NUMBER, EVERY MORNING
Enter what comes in, the fixed costs that leave on their own — rent, council tax, energy, broadband, the direct debits and standing orders you stopped noticing years ago — and how much you want to set aside. Cloudless spreads whatever is left across the days ahead.
• Spend less than today's number and the difference rolls over to tomorrow
• Go over and the following days absorb it quietly: arithmetic, not a telling-off
• Stay under and your streak grows

THE WEEK BEFORE PAYDAY
That is the week the number earns its keep. Instead of refreshing your banking app and hoping, you glance at one figure that already knows about the mobile bill leaving on Friday and the annual renewal at the end of the month.

BUILT FOR REAL LIFE
• Log an expense in seconds on a big numpad: tap the amount, pick a category, done
• Recurring bills go in once and are handled for you — rent, energy, mobile, streaming, instalments
• A goal fills itself up with daily, weekly or monthly contributions
• Search, edit and tag every transaction, and leave one-offs out of your statistics
• 28 currencies with a rate you set yourself, for holidays and for money that moves between countries
• Face ID or a PIN on the door, a daily reminder at a time you choose, and a calm dark theme
• Add an expense by voice with Siri Shortcuts

ALSO INSIDE CLOUDLESS
Receipt scanning that reads the total on the phone itself, bank statement CSV import parsed on the device, several accounts with a net worth view, category limits with rollover, spending trends and a month-end projection. All of it is worked out on your phone; nothing is uploaded.

YOUR MONEY IS NOBODY'S BUSINESS
• Offline by architecture — there is no server to send anything to
• No sign-up, no tracking, no profiles, no adverts
• Encrypted backup (AES-256): one file, sealed with a passphrase only you know, kept wherever you like
• Moving to a new phone means moving one file, not signing back into anything

MADE FOR YOU IF…
• You want budgeting that does not begin with your online banking details
• You are paid monthly and the last ten days are always the tight ones
• You are juggling rent, bills and an overdraft you would rather leave alone
• You like envelope budgeting but want it kept organised for you
• You have deleted three budget apps because keeping them fed became a chore
• You simply believe your money is nobody's business

Cloudless speaks 44 languages and follows one rule everywhere: your numbers never leave your ph