Tera Labs LLC
A budgeting app that tracks spending, budgets, savings goals, and net worth, with safe-to-spend tracking, insights, and an on-device assistant.
Launch screenshots from Product Hunt, Jun 2026
A budgeting app for iPhone, iPad, and Apple Watch that keeps all data on-device, never connects to bank accounts, and works without an account. It helps users track spending, set budgets, and see safe-to-spend amounts. The app targets individual consumers seeking privacy-focused personal finance tools. It is delivered as a native iOS app with optional iCloud sync, and is positioned as privacy-first with no cloud dependency or tracking.
Key features
- 100% on-device data storage
- Daily allowance and safe-to-spend tracking
- Accounts & net worth tracking
- Smart insight cards for spending patterns
- On-device assistant powered by Apple Intelligence
- 12 themes and 10 fonts
- Apple Watch app to check balances and log expenses
- Universal app for iPhone & iPad
- Home screen widget
- Optional iCloud sync via private CloudKit database
- Spending trends charts
- Savings goals
- Budget rollover
- Bill reminders
- Export data to CSV or PDF
- Passcode & Face ID
- No social media activity within the last 30 days
GTM channels
- No GTM activity detected
ICP
- Consumers general