Roost: Budget & Money Tracker

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In-app purchases

About this app

Roost is a free budget planner that keeps your data where it belongs - on your device. Every transaction, budget, and savings goal is stored locally with AES-256 encryption. No cloud uploads. No tracking. Just a simple money tracker that answers one question: how much can I still spend?

YOUR DAILY SPENDING DASHBOARD

See your Left to Spend at a glance with a daily allowance that divides your remaining budget by days left. A colour-coded spending tracker shows whether you're on track, getting tight, or over budget — no maths required. Roost is the easy budget app for people who want clarity, not complexity.

ZERO-BASED BUDGETING MADE SIMPLE

Assign every pound, dollar, or euro a purpose so nothing goes untracked. Start with templates for popular methods - zero-based budgeting, 50/30/20 rule, or savings-first planning - then customise freely. Each category shows a clear progress bar so you always know where your money is going. Colour-coded warnings let you know when you're approaching your limit.

SAVINGS POTS AND ENVELOPE BUDGETING

Create virtual savings envelopes for any goal - holiday fund, emergency buffer, or new laptop. Set a target and track your progress with visual indicators. Automate your savings with rules: fixed monthly contributions, percentage of income, or round-up spare change on every purchase. A savings goal tracker that works the way you think about money.

RECEIPT SCANNER - NO INTERNET NEEDED

Point your camera at any receipt and Roost extracts the total, merchant, and date using on-device processing. Nothing is uploaded, and the image is deleted immediately after scanning.

DEBT PAYOFF PLANNER

Tackle what you owe with snowball or avalanche method projections. The debt payoff planner shows you a clear path out of debt and tracks your progress as balances shrink. Enter your debts, pick your strategy, and watch the finish line get closer.

ASK ROOST - AI-POWERED INSIGHTS

Type a question in plain English: "How much did I spend on dining this month?" or "Am I over budget?" An on-device AI engine analyses your data and answers instantly. Spending trends, category breakdowns, daily averages, and merchant spending — all without sending a single query to the cloud.

PERFECT FOR BEGINNERS

Whether you're budgeting for the first time or looking for a simpler alternative to YNAB or Mint, Roost gets you set up in two minutes. Pick a goal, choose your categories, set your amounts, done. No account required. No learning curve.

BUILT FOR PRIVACY

✓ AES-256 encrypted database on your device
✓ No financial data transmitted to external servers
✓ On-device receipt scanning — no images stored
✓ On-device AI — no queries sent to the cloud
✓ Biometric lock for app access
✓ 100/100 privacy score

ALSO INCLUDES

✓ CSV and OFX file import for bank statements
✓ Export your data anytime as CSV
✓ Smart merchant auto-categorisation that learns your habits
✓ Subscription tracker for recurring payments
✓ Tags for detailed transaction organisation
✓ Time cost converter — see purchases in hours worked
✓ Spending velocity and trend analysis
✓ Works completely offline
✓ Dark and light themes
✓ 11 currencies supported including GBP, USD, EUR, CAD, AUD

ROOST PRO

Get started with the generous free tier. Upgrade to Pro for unlimited categories, full transaction history, advanced trend analysis, unlimited receipt scanning, and AI queries.

Bank sync with automatic transaction import - coming soon.

Take control of your spending. Download Roost today.

What’s new

Track spending, crush debt, and save - all privately on your device.
- Set monthly budgets and see what's left to spend daily
- Debt payoff planner with Snowball vs Avalanche charts
- Snap receipts - auto-extract totals with on-device OCR
- Savings pots with automatic rules (fixed, %, round-ups)
- Ask Roost - query your finances in plain English
- Trends, insights, and CSV/OFX import
100% private - encrypted on-device, nothing leaves your phone