Budget your money, not your privacy.
Reckna is a manual, envelope-style budgeting app for iPhone and iPad. Your data stays on your device and in your own iCloud — no bank linking, no servers we run, and nothing we can read.
Give every pound a job
Reckna uses the proven envelope method: assign the money you actually have, see exactly what's left to spend, and roll the rest into next month. No guesswork, no overspending.
How budgeting works →
See where it goes
Spending by category, cash flow, trends over time, and goal adherence — clear, on-device reports that turn your numbers into a picture. Nothing leaves your phone to make them.
Explore the reports →
Reach your goals
Give any envelope a monthly target or a save-by-date goal. Reckna works out what to set aside each month and shows your progress at a glance.
Set up goals →
Watch it add up
Track every account in one place and see your net worth trend over time — so the small, consistent wins of budgeting become something you can actually watch grow.
About accounts →
Built to respect you
Private by design
No bank logins, no aggregators, no account to create. No ads, no tracking, no data sale — we literally can't see your finances.
Fast, frictionless entry
Log a transaction in a couple of taps — or from the widget, Siri, Spotlight, or the share sheet. Reckna learns your payees and suggests the category.
Works offline
Fully usable with no network and no iCloud account. Optional private iCloud sync across your devices with Reckna Pro.
Yours to keep
Export everything to a documented CSV, or take a full backup, any time. Your data leaves as easily as it goes in — no lock-in.