Budgeting for iPhone

See where your money went, checked to the cent.

Unlinked reads your bank and credit card statements right on your iPhone and checks each PDF statement against its own totals. No bank login. No account. Unlinked never sends your data anywhere.

Join the waitlist

Coming to iPhone in Canada first, then the US.

Works completely offline. Turn on airplane mode and try it.

The Home screen in Unlinked, with sample data: $4,118.17 spent in September, a chart of where it went by category, and a groceries budget.
The Spending screen in Unlinked, with sample data: where September’s $4,118.17 went by category, led by housing at 54%, and what stands out, such as shopping about $350 above usual.
The Recurring screen in Unlinked, with sample data: $2,568.61 a month in recurring costs, a music subscription that went up $1.00, and the bills coming up next.
A sample Northstar Visa statement being imported in Unlinked, marked Verified: the previous balance plus the transactions equals the new balance, to the cent.

Works with your bank? Tell us yours when you join. Testers get theirs added first.

Join and tell us your bank

Why it's different

The Home screen in Unlinked, with sample data: $4,118.17 spent in September, a chart of where it went by category, and a groceries budget.

No bank login.

Download a statement from your bank's website as a PDF or CSV, and open it in Unlinked from Files, Mail or your bank's app. It never asks for your banking password, and there's no account to create.

A sample Northstar Visa statement being imported in Unlinked, marked Verified: the previous balance plus the transactions equals the new balance, to the cent.

Checked to the cent.

Every PDF statement is checked against its own totals, and you'll see whether it matched.

The Recurring screen in Unlinked, with sample data: $2,568.61 a month in recurring costs, a music subscription that went up $1.00, and the bills coming up next.

Works in airplane mode.

Unlinked makes no network connections in normal use. Turn on airplane mode and import a statement.

Track it your way

Statements only

Import once a month. Every total is checked to the cent.

Live

Apple Pay purchases are logged as you tap, through a Shortcuts automation Unlinked sets up in a few steps. Add anything else by hand. When the statement arrives, it matches up with what you logged.

Cash

Cash counts too: ATM withdrawals move into Cash, cash purchases count once, and you can set what's in your wallet.

Receipts

Keep every receipt with its purchase, for returns, warranties and expense claims.

  • Scan a paper receipt. The camera finds and straightens it, reads the total, date and store, and fills in the purchase for you to check. Or it offers the purchase that's already there.
  • Attach photos or PDF invoices, also from Mail or Files through the share sheet.
  • Search finds words printed on them, like an order or invoice number.
  • Read on your iPhone. Receipts stay on it, and they're part of your iPhone backup.

Heads-up when it matters

  • Payment reminders 1, 3 or 7 days before a card's payment is due. Free
  • Statement reminders When a new statement is likely ready to import. Free
  • Budget alerts A category at 80% or 100% of its budget. Pro
  • Subscription alerts “Tunewave Music went up.” A price rise, or a subscription that stops. Pro
  • Subscription check-ins A reminder before a yearly renewal, and a nudge if you planned to cancel. Pro

Reminders are made and delivered by your iPhone. Nothing is sent anywhere, and none shows an amount on your lock screen.

What you get

  • Spending by category, with corrections it learns from
  • Subscriptions and bills, with what they cost a year
  • Optional monthly budgets
  • Ask about your spending in plain words Pro
  • Export everything to CSV, free

How it compares

Unlinked Bank-linked apps Upload-your-statement apps
Asks for your bank login No Yes No
Your data on their servers No Yes Yes
Account required No Yes Yes
Works offline Yes No No

Free and Pro

Try everything free for 30 days. No payment, no account, nothing to cancel.

Nothing free moves to Pro later. No ads. Unlinked itself sends nothing: your statements and transactions stay on your iPhone.

Prices announced at launch.

Free, after 30 days

  • New statements for one account you choose (you can switch which one once every 30 days).
  • Everything already imported stays visible and exportable, always.
  • Apple Pay logging and added purchases keep working on every account.
  • Cash, receipts, and payment and statement reminders stay free.

Pro

  • New statements for every account.
  • Everything across months: comparisons, trends, budget and subscription alerts, and Ask.
  • Cancel anytime: your data stays readable, editable and exportable. Only Pro features pause.

Be first to try it

We'll email you when Unlinked is ready to test and when it launches. Nothing else.

Fields marked “required” must be filled in.

Where do you live? (required)
Outside Canada and the US? Join anyway and we'll email you if Unlinked comes to your country.
Just the name, like your bank or card company. Never an account or card number.
A little about you (optional)

Your email, your answers and the time you agreed are kept in Zoho Campaigns, our email service, in Canada. We use them only to choose who to invite to test and to email you about testing and the launch, and every email has an unsubscribe link. Cloudflare Turnstile checks that you're not a spam bot. How the waitlist handles your data.

Questions

Is my data safe?

Your data stays on your iPhone. The only copy elsewhere is your own iPhone backup. Unlinked never sends your data anywhere. It has no server and no account, and makes no network connections in normal use.

Which banks work?

Unlinked reads PDF and CSV statements. If one of your statements doesn't import, the app tells you and offers to send us its layout, so we can add support for it. Names, addresses, account numbers and merchants are masked, with letters replaced by X's and digits by 9s, and amounts are scaled, so we see the statement's shape, not your details. Dates stay so the layout can be read. You see exactly what's sent before it goes. See Help add your bank.

More questions on the support page