tMoney Budget1.4.0 - App Store

A budget is more than just a list of numbers-it's where you go to find answers.

tMoney was designed to take you beyond basic income and expense tracking. It's built to help you gain valuable insight into your financial situation, correct money habits that may be holding you back, and achieve the goals that matter most-whether that’s becoming debt-free, buying a home, or managing your money with confidence.

Unlike other budgeting apps, tMoney doesn’t try to act like a bank. There’s no need to link your personal banking data-most banks already provide those tracking tools. Instead, tMoney focuses on helping you build a clear financial strategy that you can adjust and optimize for your unique life. Whether you're preparing for a future expense, weighing a career change, or striving to reach your savings goals, tMoney puts you in control of your financial future.

Key Features:
. Gain true clarity over your finances: tMoney helps you include all your income sources, then easily toggle them on or off to understand how each impacts your overall financial picture. With this clarity, you’ll make smarter decisions about spending and saving.
. Plan for life’s unexpected changes with confidence: Dynamic toggles allow you to switch expense groups on and off, so you can see how different scenarios (like a rent increase or a new job offer) affect your budget. This flexibility gives you peace of mind in any situation.
. Keep your budget on track automatically: tMoney calculates direct deposit allocations, ensuring that your income is immediately set aside for your priorities. This proactive approach keeps your financial plan running smoothly, no matter how busy life gets.
. Master your food budget with precision: With dedicated tools to manage grocery and dining expenses, you can take full control of your food budget-one of the trickiest areas to manage. Stay on top of your spending and save more without sacrificing the things you enjoy.
. Prevent financial surprises by planning ahead: tMoney integrates your yearly and infrequent expenses into your monthly budget, giving you a realistic picture of what’s coming. By accounting for these costs upfront, you can avoid surprise expenses that derail your progress.
. Achieve debt freedom faster and with purpose: Visualize and compare different debt payoff strategies like the debt snowball and debt avalanche methods against your unique budget. With tMoney, you can evaluate the impact of both on your journey to becoming debt-free, giving you the clarity to choose the method that works best for you and your financial goals.
. Craft your personalized Money Plan: Use the Money Plan feature to not only map out debt repayment but also to plan for savings goals, big purchases, and financial milestones. tMoney helps you visualize your future, so you can work toward it with purpose and focus.
. Prepare for homeownership with ease: Whether you're budgeting for a future home or adjusting for a rent increase, tMoney lets you toggle between current and future expenses, showing you exactly what you’ll need to afford your next move.
. Evaluate your credit card strategy with clarity: Go beyond just tracking your credit utilization-tMoney helps you assess how each credit card fits into your overall budget. See exactly what benefits you're gaining and whether they justify keeping the card(s). Make informed decisions about your credit strategy to maximize rewards while maintaining financial health.

tMoney isn’t just about tracking expenses-it’s about gaining insight, building better habits, and setting yourself up for success. Download tMoney today and take control of your financial future with clarity and confidence.

Version History • Introducing the Housing Tab
Revisit one of the biggest monthly expenses-your rent. The new Housing tab makes it easier to compare apartment options side-by-side, analyze how different bedroom and bathroom combinations affect your monthly budget, and evaluate what's actually included in your rent. Sometimes, the most impactful decision to get your money under control starts with where you live. This tool will help you decide if staying put, downsizing, or moving is the smartest financial move.
• More Accurate Debt Payoff & Money Plan Timelines
The logic behind debt payoff timelines and your Money Plan has been improved. Minimum payments on debts are now calculated month-by-month, even before they become your top payoff priority. This gives you a more realistic timeline to look forward to.
• Month-by-Month Debt Payoff Plan
You now have a more informative debt payoff timeline that shows more relevant breakdowns on a month-to-month basis, including exactly when each debt will be paid off, and helping you visualize progress more clearly and stay motivated. See how your minimum payments chip away at your balances over time-even when a particular debt isn't the target of your full financial capacity yet. This enhanced payoff structure makes your snowball or avalanche strategy easier to trust and follow.
• Bug Fixes & Performance Improvements
This update also includes stability enhancements and minor bug fixes to keep things running smoothly. 1.4.0 11/18/2025 • Introducing the Housing Tab
Revisit one of the biggest monthly expenses—your rent. The new Housing tab makes it easier to compare apartment options side-by-side, analyze how different bedroom and bathroom combinations affect your monthly budget, and evaluate what's actually included in your rent. Sometimes, the most impactful decision to get your money under control starts with where you live. This tool will help you decide if staying put, downsizing, or moving is the smartest financial move.

• More Accurate Debt Payoff & Money Plan Timelines
The logic behind debt payoff timelines and your Money Plan has been improved. Minimum payments on debts are now calculated month-by-month, even before they become your top payoff priority. This gives you a more realistic timeline to look forward to.

• Month-by-Month Debt Payoff Plan
You now have a more informative debt payoff timeline that shows more relevant breakdowns on a month-to-month basis, including exactly when each debt will be paid off, and helping you visualize progress more clearly and stay motivated. See how your minimum payments chip away at your balances over time—even when a particular debt isn’t the target of your full financial capacity yet. This enhanced payoff structure makes your snowball or avalanche strategy easier to trust and follow.

• Bug Fixes & Performance Improvements
This update also includes stability enhancements and minor bug fixes to keep things running smoothly. 1.4 11/16/2025 - All-New Menu: More aesthetic menu with a link to contact tMoney Support and to the official tMoney budgeting community
- Emergency Fund Planner: A smarter way to build your emergency fund based on real goal planning.
- Backup & Restore: Secure your data with new backup and restore options.
- Credit Card Import Tool: Quickly add skeleton data for your credit cards to jumpstart setup.
- Easily Add Credit Card Payments: Improved the flow to add your credit card monthly payments in your main budget with just a tap.
- Monthly Bill Tracking: Stay on top of upcoming bills with improved reminders and visibility.
- Debt Updates Made Easy: Get notified to update debt balances and credit card monthly payments regularly—no more outdated data.
- Helpful Buttons Everywhere: Access in-depth articles explaining key features for extra guidance.
- Smarter Shopping List: New method to estimate how often you buy each item to keep budgets on point.
- Improved Labels & Language: Updated wording throughout the app for clarity and ease of use.
- Bug Fixes & Performance Tweaks: Minor issues resolved for a smoother experience.

It's highly recommended to make a backup of your budget after updating to this version of tMoney, and to do so periodically 1.3 03/30/2025 Fixed Eating Out syncing 1.2 09/30/2024 --Updated help articles
--Fixed dark mode styling for some elements 1.1 09/28/2024 1.0 09/25/2024