AI chat, voice and receipts
Type “coffee 5”, say it out loud or snap a receipt. Lode fills in the category, currency and date.
How Lode AI works AI-powered No bank login Private 
Expenses that log themselves.
Lode is the AI budget and expense tracker for iPhone. It logs payments from your bank’s notifications and Apple Pay, keeps budgets, bills and trips in check, and stores everything in your own iCloud.
Automatic
Pay as usual. Lode writes it down.
Your bank already sends a notification for every payment. Lode turns each one into a transaction — no typing, no bank login.
- 1
You pay
By card, online or with Apple Pay. Your bank sends its usual notification.
- 2
Lode logs it
Amount, merchant and category — income too — without you opening the app.
- 3
It asks when unsure
Cash from an ATM, or a charge that may be one of your bills? One tap in a notification decides.
Bank notifications need iOS 27. Apple Pay logging works on iOS 18 and later. Both are free.
Everything in one app
We built something better
Most budget apps are either too complex or too ugly. We fixed both.
Budgets that fit your payday
An overall budget, limits per category and an income plan — with the month starting on the day you get paid.
How budgets workBills and subscriptions
Recurring payments are logged on schedule, and a free trial ends with a reminder, not a surprise charge.
Track bills and subscriptionsGoals and debts
Save toward a trip or a laptop at your own pace, and keep track of who owes whom.
Set a savings goalShared accounts
Share an account with a partner or family through iCloud. Everyone keeps their own accounts private.
Share an accountStatistics and reports
See where the money goes by category, day and trip, and export the month as a PDF report.
Browse the Help Center
Trips
Every trip budgeted. Every country stamped.
Set the country and dates, and every expense on those days goes into the trip — in any currency, against its own budget.
- See what a day on the road cost, place by place
- A passport stamp for every country, and how much of the world you’ve seen
- Your trip on the Lock Screen as a Live Activity
- 150+ currencies, booked at the rate of the day you paid
Private by design
No bank login. No account. No tracking.
Your money is your business. Lode is built so it stays that way.
No bank password
Lode never connects to your bank. Payments come from the notifications already on your iPhone.
No account
No sign-up and no email. Open the app and start.
Your iCloud, not our servers
Your data lives on your iPhone and syncs through your own iCloud.
No ads or trackers
Nothing is sold or profiled. AI only sees what you send it, and nothing is stored.
Made for iPhone
Works the way your iPhone does
- Siri & Shortcuts “Add coffee 4 in Lode” — hands-free.
- Widgets Balance, budget and spending on your Home and Lock Screen.
- Live Activities The trip you’re on, right on the Lock Screen.
- Apple Pay Every tap to pay, logged automatically.
- iCloud sync Your iPhone and iPad, always in step.
- 11 languages English, Čeština, Deutsch, Español, Français, 日本語, 한국어, Português, Русский, Українська, 中文.
- 150+ currencies Live rates, and the rate of the day saved with each payment.
- Hide amounts Tap the balance to cover every figure before you hand the phone over.
Reviews
Loved by users
Real 5-star reviews from the App Store.
Lode is very easy to use, well-designed, and helps me keep track of my income and expenses much better. The interface is clean and simple, without anything unnecessary. I changed the app I was using to Lode and am very happy with it. User-friendly interface, you can import your data from another app. I was looking for a long time for budgeting money app. Could not find that one app would have all I need. Finally I found Lode. Great program I am going to use now. Thanks! Pricing
Start free. Upgrade when you're ready.
Core tracking and automatic logging are free forever. Premium unlocks Lode AI, deeper insights and no limits.
Free
$0
Everything you need to start tracking.
- Automatic logging from bank notifications & Apple Pay
- Unlimited budgets, bills & transactions
- 1 account, 8 categories & 3 tags
- 3 goals, 3 debts, 1 trip a year & 1 project
- 5 currency conversions & 3 voice entries a month
Premium
$3.99/mo
or $29.99 a year with a 3-day free trial, or $59.99 once.
- Lode AI — smart entry, insights & receipt scanning
- Advanced insights, trends & PDF reports
- Unlimited accounts & sharing with family
- No limits on categories, goals, trips & projects
- Unlimited currency conversions & voice entry
- All 14 widgets, CSV export & backups
- Custom accent colors & app icons
Prices shown in USD and may vary by region.
FAQs
Frequently Asked Questions
Everything you need to know about managing your finances with Lode.
Is my financial data safe?
Yes. Your data is stored on your device and synced to your personal iCloud — only you have access. We never store or see it on our servers. The only exception: AI features (Premium) send your chat messages and brief financial summaries to Google's AI for processing, and nothing is stored.
Does Lode connect to my bank?
No. Lode never asks for your bank login. On iOS 27 it can read the payment notifications your bank already sends to your iPhone, and with Apple Pay it reads the purchase from Wallet — both on your device.
Can Lode log my spending automatically?
Yes. Add the bank-notification automation (iOS 27) or the Apple Pay automation (iOS 18 and later) once, and every payment becomes a transaction. Both automations are free.
Is it really free?
Yes. Tracking, budgets, bills and automatic logging are free with no time limit. Premium adds Lode AI, advanced statistics and removes the limits — upgrade only if you need it.
Do I need to create an account?
No account, no email, no sign up. Just download and start.
Can I share a budget with my partner?
Yes, with Premium. Share an account through iCloud with a partner or family; each of you keeps your own accounts private.
Does it work when I travel?
Yes. Start a trip with its country and dates, and every expense on those days goes into it — in any of 150+ currencies, with its own budget and a passport stamp for each country.
Which currencies and languages are supported?
More than 150 currencies, with exchange rates that update automatically and a history chart for each rate. The app is available in 11 languages: English, Czech, German, Spanish, French, Japanese, Korean, Portuguese, Russian, Ukrainian and Chinese.
Can I import my existing data?
Yes. Import a CSV, Excel or PDF bank statement, or an export from another finance app — Lode recognizes the columns and uses Lode AI for unusual layouts and PDFs. A Lode backup is restored separately, from Settings.
What if I lose my phone?
With iCloud on, your data syncs to your own iCloud account. Sign in on a new device with the same Apple Account and your transactions, budgets, goals and everything else come back. With Premium you can also export a backup file to keep yourself.
Journal
Money, made simpler
Guides on budgeting, travel money and getting more out of your iPhone.
Know where your money goes. Always.
No account. No bank login. No excuses.
