See where your money actually went.
Upload a bank or credit card statement. AI sorts every transaction into categories in minutes. No account linking, no live bank access, ever.
Designed for iPhone · Finance
How it works
Three taps and you're in. No bank credentials required.
- 01
Upload a PDF statement
Use the bank or credit card statements you already have. No setup wizards, no account linking, no waiting on bank syncs.
- 02
AI categorizes every transaction
RetroBudget reads each line and sorts it into the right category automatically. Credit, debit, all of it.
- 03
See your full breakdown
Get a clear picture by category, merchant, and card, with visual charts so you can actually see the patterns.
Everything you need to understand your spending
Built for clarity, not for harvesting your data.
AI categorization
Every transaction sorted automatically from your PDF statements.
Clear breakdowns
Spending by category, merchant, and card, shown in clear visual charts.
Multi-card tracking
Credit, debit, and more, all in one place.
Live Activity
Watch statements process on your Lock Screen and Dynamic Island.
Notifications
Get a ping the moment your statement finishes processing.
Face ID / Touch ID lock
Keep your spending private behind a biometric lock.
Sign in with Apple
One tap to sign in. Your session stays alive across devices.
No bank logins, ever
The app never asks for your bank password, because it never needs it.
Privacy, for real
Most budgeting apps want your bank login. That felt wrong.
So RetroBudget was built the other way around: read the statements you already have, and keep nothing you don't need.
We never see your bank password
There's no account linking and no live bank access. The app can't ask for credentials it never uses.
Statements are deleted after processing
Your PDFs are processed to categorize transactions, then removed. Nothing is stored on a server afterward.
Locked to your device
Face ID / Touch ID keep your spending breakdown private to you.
Read the full Privacy Policy.
Built by a solo indie dev
I built RetroBudget because I wanted to see where my money goes without handing my bank credentials to yet another app. It's maintained by one person. Me. If something breaks or you have an idea, reach out. I actually read the feedback.
Know where your money went, in minutes.
Upload a statement and get a full spending breakdown. No bank login required.