SeedCents
SeedCents Budget & money planner for iPhone and iPad

A calm place to plan your money.

See what is due, what is left, and how your savings and debt are coming along, in one quiet app. Your numbers stay on your phone. There is no account, no ads, and no tracking.

Coming soon to the App Store How we handle your data
SeedCents Home screen showing $769 free to spend this month inside a progress ring.

Everything you need, nothing you don't.

SeedCents keeps the whole picture in view without asking for your bank login or a subscription to your own spreadsheet.

A calendar for money

Schedule bills, paydays and notes. Repeat them weekly, every other week or monthly, and check bills off as you pay them.

Budgets by category

Give each category a monthly budget and watch it fill. Spend a little less here, a little more there, and see what is free to spend.

Savings funds

Track an emergency cushion, a trip or a home deposit, each with a target, a progress bar and how much to set aside each month.

Debt, with a finish line

See what you owe, your APR and a rough payoff date, and choose whether extra payments go to the highest rate or the smallest balance first.

Your whole year

Charts and a monthly breakdown that add up income, spending, savings and debt across all twelve months.

Private by design

No sign-up, no ads, no analytics, no bank connection. What you enter is stored on your device, and it works offline.

A look inside

Clean, readable, and quick to update. Light and dark appearance included.

  • The Home screen: a ring showing money free to spend this month, with income, spending, and debt and savings underneath.
    Home
  • The Budget screen: income for the month and spending grouped into categories with progress bars.
    Budget
  • The Calendar screen: a month grid with dots on days that have bills, paydays or notes, and an upcoming list.
    Calendar
  • The Savings screen: each fund with a progress bar toward its target.
    Savings
  • The Home screen in dark mode.
    Dark mode

Your numbers stay on your phone.

SeedCents has no servers to send your data to. The only time anything leaves your device is when you choose to export a backup.

Read the privacy policy

  • No account or sign-up
  • No ads, no analytics, no trackers
  • Never connects to your bank
  • Works fully offline