Personal finance, simplified

Know what's left
always.

Your bank balance isn't your spending money. LazyBudget calculates income, then subtracts bills and any spending, then shows one clear number — What's Left — so you can spend without guessing.

Download on the App Store
  • No daily budget chores
  • Bill reminders
  • Home screen widget
Bank connections
Sync iCloud across devices
Privacy No ads · No data selling
Import OFX, QFX, or CSV

Your bank balance isn't telling you the whole truth

Rent, subscriptions, and car payments don't disappear just because you forgot them. LazyBudget surfaces what's already spoken for, then shows what you can actually spend.

Bank says $1,276 Looks fine…
LazyBudget · What's Left $250 After bills and current spending

Set it and forget it

Watch one number — not every transaction.

Add income and bills once. LazyBudget does the math and shows What's Left — no categorizing, no nightly reconciling.

  • No daily categorizing or inbox zero
  • Bank sync matches bills — you just confirm
  • Budgets and categories optional
Dashboard showing In, Out, and What's Left with bill and income rows on iPhone

Timeline

Watch your balance move through the month

Every deposit and charge in date order, with a running balance on each line. See where you'll land before payday — planned bills included for future days, actual transactions for what's already cleared.

  • No mental math before a purchase
  • Spot income and bills as they hit
  • Understand overdraft risk before it happens
Timeline view with transactions and running balance on iPhone

Bills & income

Bills on autopilot. Income you can trust.

Set due dates, mark payments sent, and get reminded before you're late. LazyBudget can suggest recurring bills and paychecks from your bank transactions — you confirm what to keep, so refunds and transfers don't inflate your income.

  • Weekly, bi-weekly, or monthly schedules
  • Match bank transactions to bills automatically
  • Manual setup works too — bank connect is optional

Due date reminders

Notifications before rent, insurance, and subscriptions hit.

Mark as sent

Know what's paid vs still coming out of What's Left.

Discovery wizard

Find recurring income and bills from real transactions.

Widget

Glance at your number without opening the app

Add the LazyBudget widget to your Home Screen. Income, bills, and What's Left stay current with background refresh — same data as the dashboard, one tap away. No need to open the app every day; the number is there when you want it.

iPhone home screen with LazyBudget widget showing What's Left

Apple Watch

What's Left on your wrist

Add a LazyBudget complication to your watch face. See What's Left at a glance — with a color-coded ring that stays green when you're on track and shifts yellow or red as the month tightens.

  • Circular, corner, and rectangular complication styles
  • Same In / Out / What's Left numbers as the iPhone app
  • Updates when your budget data syncs from the phone
Apple Watch showing the LazyBudget What's Left complication with $145 and 6 days left

Up and running in minutes

  1. 1

    Add income

    Paychecks, side gigs — when you get paid and how much.

  2. 2

    Add bills

    Rent, utilities, subscriptions — or let discovery suggest them from your bank.

  3. 3

    Watch What's Left

    One number updates as money moves. Glance when you need it — no daily budget ritual.

Also included

Apple Watch

Complications show What's Left on your wrist.

File import

Bring transactions from OFX, QFX, or CSV exports.

Sign in with Apple

Google and email too — sync with iCloud when you're ready.

Face ID lock

Keep your numbers private on a shared device.

Stop guessing. Start spending with a plan.

Download LazyBudget and see what's actually left — today.

Get LazyBudget on the App Store