Basis Budget
A privacy-first budgeting app for iPhone, with a full web app to go with it. Live on the App Store since April 2026.
What it does
- Two budgeting modes: spending limits or zero-based. The mode syncs between iOS and web.
- Connects banks through Plaid and Apple Wallet through FinanceKit, plus manual accounts.
- Auto-categorizes imported transactions, detects transfers, and remembers your corrections.
- Credit card payoff tracking (pay in full or pay over time) that feeds the zero-based math.
- A net worth dashboard for accounts, investments, and liabilities.
Privacy and how it's built
Bank credentials never touch my servers. Plaid handles bank login directly and Apple Wallet data stays on the device. Anything that does sync gets encrypted on your phone with a per-user vault key first, so the server only ever sees ciphertext.
The iOS app is Swift, SwiftUI, and SwiftData, and it works offline first. Writes go into a local queue that drains to the server when you're online, with last-write-wins guards so a sync pull can't clobber an edit you just made. The web app is Next.js on Vercel and reads the same encrypted record store, so budgets stay in sync across platforms. Subscriptions run on StoreKit 2.