Money Tree
Know what you can spend today, and build the habit of saving
Money Tree is a budgeting app that connects to your bank read-only and turns everyday money management into a habit. Safe to Spend shows what you can spend today after bills, budgets and your buffer, and budgets, goals, streaks and rewards keep you on track.
What Money Tree does
See your money clearly
- Safe to Spend: one number for what you can spend today, after upcoming bills, budgets and a buffer you choose.
- Net worth: what you own and what you owe across your connected accounts, with its history over time.
- Transactions sorted into categories automatically.
- Recurring payments: subscriptions and bills detected for you, with a reminder before each is due.
- Income, cash position and a financial health score.
- Totals in the currency you choose.
Plan ahead
- Budgets by category, with suggested limits based on your recent spending.
- Savings goals, with suggestions to get you started.
- A pay-period planner that sets your income against budgets and upcoming bills.
- With Plus: a 30-day cash-flow forecast, a spending breakdown and alerts.
Build the habit
- Daily streaks, XP, coins and badges for showing up.
- Daily missions and challenges.
- Private leaderboards with friends you invite by link or code. You compare progress, never balances.
Secure and in your control
- Read-only bank connections through secure bank data providers. They cannot move your money.
- Disconnect a bank, or delete your account and its data, at any time in the app.
- Optional Face ID lock on iPhone.
- Home-screen widgets for Safe to Spend and budgets.
Trial and Plus
7-day trial
A 7-day trial of everything, with nothing held back.
- Every Plus feature for seven days
- No card details needed to start on the App Store or Google Play
- Cancel before the trial ends and you pay nothing
Plus
After the trial, Plus is a monthly or yearly subscription.
- Unlimited bank connections
- Twelve months of transaction history
- Export your transactions to a CSV file, narrowed by search, type, category, period or amount
- Premium insights: 30-day cash-flow forecast, spending breakdown and alerts
Plus is billed through your app store, which shows the price in your currency. Cancel any time in your store account settings.
How it compares
Side by side with other budgeting apps, including where they do more than Money Tree.
Last reviewed