Budgeting that respects your money - and your data.
Connect your bank accounts, track spending, and set budgets in minutes. No ads. No data selling. Just clear finances.
Most budgeting apps cost $8-$15/mo. Paper costs $2.99.
7-day free trial · Cancel anytime · Private by design
Built for iPhone
How Paper Works
Connect your accounts
Securely link your bank accounts to automatically import transactions.
Set simple budgets
Create monthly spending targets and category budgets that match your real spending habits.
Understand your money
See trends, insights, and AI-powered explanations that help you make better decisions.
Why Paper exists
Most budgeting apps started simple, then became expensive, bloated, or too comfortable using your data as part of the business model.
Paper was built to go the other direction: a budgeting app that feels calm, stays focused, respects your privacy, and costs less than most alternatives.
It's designed to help you understand your finances quickly — without ads, clutter, or features that only exist to upsell you.
Private by design
No ads. No data brokers. On-device AI insights where possible.
Actually simple
A clean experience focused on budgets, spending, and clarity.
Fair pricing
$2.99/month or $29.99/year, with every feature included.
Budgets that match real life
Set a simple monthly target or build out detailed category budgets. Paper uses your spending history to help you create goals that feel realistic, not random.
Transactions with more context
Edit categories, exclude purchases from calculations, add notes, and group spending into custom events like trips or holidays. Paper helps you understand not just what you spent, but why.
All your accounts in one place
See your bank and credit card accounts together for a clearer picture of where your money is, where it's going, and what you have left to save or invest.
Why people choose Paper
On-Device AI Insights
Paper includes AI-powered insights built on Apple's on-device models, so your financial patterns can be analyzed privately without sending sensitive data somewhere else just to power a feature.
Simple, Clean, and to the Point
Paper is designed to stay focused. No clutter, no gimmicks, and no confusing feature overload — just the tools you need to understand your finances and stay on track.
Transparent Pricing
Start with a 7-day free trial, then choose $2.99/month or $29.99/year. Every feature is included from day one.
Start budgeting with more clarity
Paper helps you track spending, set budgets, and understand your money without ads, clutter, or data selling.
7-day free trial · Cancel anytime