Questions, answered.

No. There’s nothing to sign up for and no password to manage — newmonth uses your Apple Account for iCloud sync. Nothing to breach, nothing to remember.

Yes. Keep separate budgets — say personal and business — each with its own currency, and switch between them in a tap.

With the Help inside the app: how-to pages for every part of newmonth, in English and German. Tap Help at the bottom of any tab’s ⋯ menu for that screen’s pages, or an ⓘ for the page it explains. Settings → Help & Support → Help has them all, with search, and Spotlight finds them too. The pages ship in the app, so they work offline, and the same pages are on this website under Help.

Yes — by design. newmonth has no account and no bank connections. Your budget lives on your device and syncs only through your own iCloud; there is no newmonth server in the middle, and the developer can’t see your data.

No. newmonth never links to your bank. You add transactions manually, import a statement (CSV, OFX/QFX, CAMT or a YNAB export), or set up a Shortcuts automation that hands newmonth your Apple Pay taps or your bank’s transaction alerts — so you plan on purpose, and nothing about your accounts is shared with anyone.

Yes. newmonth syncs through your own iCloud (CloudKit), so your budget stays up to date across your iPhones and iPads — with no account to create. Settings → iCloud Sync shows whether this device’s changes are reaching iCloud, and while sync is stuck, Export a Backup saves your budget as a file. While a large sync is running, tap the Syncing… pill at the top to see what has arrived so far.

Yes. Your budget is stored on your device, so newmonth works fully offline. When you’re back online, your changes sync through your iCloud.

Yes. You can share a budget through iCloud with anyone you invite — a partner, family, roommates — and everyone edits it from their own device. Share as many budgets as you like, each with its own group, and your data still never touches a newmonth server.

newmonth is free while it’s in early release — everything included. From 1.0 it becomes a paid app: $14.99 a year or $1.99 a month, or $44.99 once for lifetime access — and everyone who joins during early release keeps full access free for 3 more months after 1.0. One tier, everything included — no ads, nothing to upsell, and your data is never sold.

Any bank — because you import files, not credentials. newmonth reads CSV (with column mapping and remembered profiles), OFX/QFX, CAMT (ISO 20022, SEPA) and YNAB exports, with duplicate detection and a “needs review” step.

iPhone and iPad, with iOS or iPadOS 26 or later. newmonth is built in SwiftUI, so it feels like a native Apple app — and on iPad it’s a real iPad app, not a magnified iPhone one: Home and Insights in two columns, Budget with its figures in columns and a category’s details beside the list, and sidebars in Transactions and Accounts. On a Mac with Apple silicon, you can also install the iPad version from the Mac App Store (Apple’s “Designed for iPad”); it runs as the iPad app, not a dedicated Mac app. There’s no Android or web version; that focus is what keeps it fast, private and Apple-native.