Polaris Budget
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Everything in Polaris Budget.

Budget

Budget on iPhone in Envelopes style: $1,232.49 Ready to Assign at the top, then each category with what is assigned and what is available.

Envelopes

Assign money to envelopes, then spend. Each category shows what’s left to spend.

Budget on iPhone in Tracking style: $2,205 spent this month against a $3,055 target, then each category against its own target.

Tracking

Set targets, then watch spending. Nothing to assign or move, just review. Each category shows over or under its target.

Target for Vacation, Flights, set by a date: $1,200 in total, ready by June 2027. $80 is assigned this month. To have $1,200 ready by June 2027, you’d need to assign about $120 a month. 10 months to go.

Targets

A target can be every month, every year, build up to an amount, or by a date. The ring fills as you assign, and shows a check when this month’s share is funded.

Cover overspending

When a category runs short, Balance ranks the ways to cover it.

Ready to Assign is $1,192.49. Today it fell $40.00 because $40.00 was assigned to Flights.

Why a number changed

When Ready to Assign moves, open it to see the named causes (a statement posted, spending, a refund, an assignment) that add up to the change.

September 2026 budget. Credit Card Payments available is $1,718: Sapphire Card $1,140, Cash Rewards Card $380, Blue Cash Card $146, and Hotel Rewards Card $52.

Card payment envelopes

One envelope for each card. For a card you pay in full, it holds everything you owe on it, not only the last statement.

Move Money from Set Aside, $250.00, to Ready to Assign, $1,232.49, with Move all $250.00.

Set Aside

Set Aside for next month: park spare money for the month it’s for. When that month comes, release it to Ready to Assign with one tap.

Money in

Transactions on iPhone, last 90 days: 40 found, $5,300 in and $4,185 out, grouped by day.

Transactions

Linked transactions usually arrive with a category. A pending charge is marked Pending and counts against its category before it posts. A pending deposit joins Ready to Assign once it posts.

Scan a receipt

Scan a receipt and split the purchase into categories. It does not add a new transaction. The photo is saved on your devices and in your personal iCloud.

Import a .csv file

Bring transactions in from a spreadsheet or another app as a .csv file. The import brings history. It does not bring budgets, targets or assignments.

Tags for the 2026 plan year. FSA Eligible is $46.50 across 2 transactions, with Export claim. Tax Deductible is $0.00.

Tags and claims

Tag a purchase, or just one line of a split, as FSA Eligible or Tax Deductible. Build a PDF or CSV on your device to send with your own claim. Nothing is uploaded until you share it. Not tax advice.

Card rewards

Which card to use, before you pay, with Gas selected. Your Freedom Card, ending 6634, earns 5¢ per dollar on Gas with this quarter’s bonus, about 0.5¢ more per dollar than your next-best card, the Sapphire Card.

Before you pay: Which Card

Pick what you’re buying, and Polaris names the best card you already have.

Illustrative estimate, not financial, investment, or tax advice.

A $51.85 charge at a gas station on the Hotel Rewards Card. A note says you could have saved $1.50 by using your gas card.

After you pay: the gold mark

A gold mark shows a purchase another card you own would have paid more for, and by how much.

Illustrative estimate, not financial, investment, or tax advice.

Overview, net worth $105,654.85, about 10% higher this year. An insight says a $7 streaming credit ends tomorrow on your rewards card, with no matching charge on the card this month.

Before a credit ends

Overview can flag a card credit that is about to end, with its amount and when it ends, if Polaris hasn’t seen a matching charge on the card.

Illustrative estimate, not financial, investment, or tax advice.

Estimates only. Confirm earn rates with your issuer.

Insights

Polaris on iPhone showing the Overview: net worth of $105,654.85, up 8.8% since Jan 14, with an insight that Streaming+ went up from $12.99 to $15.99, $36 more a year.

A price rise

When a subscription’s price goes up, it is flagged for you, with what it costs more a year.

Recurring on iPhone: subscriptions of $36 a month ($438 a year) across 4 charges. Streaming+ is $15.99, up from $12.99, then Tune Music, Blue Bottle Coffee and Cloud Drive. Bills, $1,930 a month, start below.

Recurring

Recurring lists the charges that repeat, split into subscriptions and bills. See what your subscriptions cost a month and a year.

Income & Spending on iPhone with sample data: six months of income above the line and spending below it, by category, with In, Out and Net totals.

Reports

See what came in, what went out and the net over 3, 6 or 12 months, or dates you pick. Pick the categories, and the bars and totals follow.

Polaris on iPhone showing the Overview: net worth of $105,654.85, up 8.8% since Jan 14, with a Streaming+ price-rise insight.

Net worth

Your accounts, your home and your holdings in one number.

Recurring charges and price rises are flagged for you on any iPhone, iPad or Mac. Written insights use Apple Intelligence and need an iPhone, iPad or Mac that supports it.¹

¹ iPhone 15 Pro, iPhone 15 Pro Max, iPhone 16 models or later, or iPhone Air; iPad mini (A17 Pro) or iPad models with M1 or later; or MacBook Neo or a Mac with M1 or later. On iOS 26, iPadOS 26 or macOS 26 or later, with Apple Intelligence turned on in a supported language. Everything else in Polaris Budget works without it.

Together

Share This Budget on iPhone: One budget, on both partners’ iPhones. The 401(k) is Balance only, and the Blue Cash Card is Nothing.

Share a budget

Invite your partner. They edit the same budget from their own iPhone, iPad or Mac. Your partner is included at no extra cost. One subscription covers you both.

Choose what your partner sees

For each account, choose what your partner sees: Everything, Balance only, or Nothing. Each of you links your own banks, and neither of you sees the other’s logins.

Planning, retirement. Sam is on the budget but not on this plan yet, with Include Sam. Median at 65 $724,130 in today’s dollars; 78% of simulated paths still had money at age 90.

A partner on the retirement plan

Once your partner joins, you can add their age and take-home pay to the retirement plan. It is off until you turn it on.

Illustrative estimate, not financial, investment, or tax advice.

The long view

Portfolio on iPhone: total value of $58,198.80, your return up 9.8%, charted beside the S&P 500 and a 60/40 blend.

Portfolio

Your return beside the S&P 500 and a 60/40 blend, with estimated dividends.

Illustrative estimate, not financial, investment, or tax advice.

Planning on iPhone: a retirement chart marked Sam, with 83% of simulated paths still having money at age 90.

Planning

A retirement outlook built from your own accounts, from 1,000 simulated market paths.

Illustrative estimate, not financial, investment, or tax advice.

Auto Loan, $8,680.00 owed, debt-free November 2028, 2 years left, $587 interest left, 5.9% APR, payment $357 a month.

Debt payoff

Debt payoff: see a projected debt-free date for each card and loan, and how paying more moves it sooner.

An estimate from your balance, rate and payment, not advice.

Illustrative estimate, not financial, investment, or tax advice.

Devices

Polaris on iPad with the sidebar open and the Income & Spending report filling the screen: six months of income and spending bars, with July's numbers in a tooltip and $14,471.33 left over.

iPad

Polaris Budget on iPad: a sidebar, Reports and Planning that fill the window, and a transaction table.

Polaris on Mac with six transactions selected using Command- and Shift-click, and a side panel to set a category or name for all of them at once, totaling −$438.75.

Mac

Polaris Budget on Mac: the same budget, in a window. Command-click and Shift-click select transactions in the table.