The Simple Budget App That Actually Works
Stop Overspending.
Start Knowing Exactly Where Your Money Goes.
Most budget apps are overwhelming, invasive, and require your bank login. PerDiem is different. Track your daily spending in one category at a time — no bank account needed, no subscription. Free to use, one-time purchase to go ad-free.
Budgeting Apps Shouldn't Feel Like a Second Job
You've tried the big budget apps. They want your bank login, charge monthly fees, and drown you in charts you'll never read. You just want to know: am I overspending today?
Too Complicated
50 categories, syncing errors, transaction reviews — most budgeting apps require an accounting degree to use.
They Want Your Bank Login
Mint, Copilot, YNAB — they all need access to your bank account. Your financial data ends up on their servers. Why?
Monthly Subscriptions
Paying $10-15/month for a budget app? The irony. You're trying to save money, not spend more of it.
A Simple Daily Budget Tracker That Just Works
PerDiem is the easy budget app built for real life. No bank connections. No subscriptions. No overwhelming dashboards. Just daily spending awareness that changes your habits.
One Category Focus
Pick one spending category — eating out, coffee, groceries — and master it before moving on. Simple daily budgeting that actually sticks.
Log in 5 Seconds
Open the app, tap your amount, done. No categorizing 50 transactions. The fastest spending tracker on your phone.
Daily + Weekly View
See your daily spending at a glance. Track weekly trends. Know instantly if you're on budget or overspending — no complex charts needed.
Build Real Habits
PerDiem uses behavioral psychology — small daily awareness builds lasting change. It's not a budget spreadsheet, it's a habit tracker for your money.
Start Tracking Your Daily Spending in 3 Steps
No setup. No bank login. Just download and start.
Pick One Category
Choose the spending habit you want to change — eating out, coffee, impulse shopping, whatever costs you most.
Set a Daily Budget
Set your per diem — your daily spending limit for that category. $15/day on lunch? $5/day on coffee? You decide.
Track & Transform
Log each purchase in seconds. Watch your daily and weekly trends. See real behavior change happen — one day at a time.
Your Money, Your Business
A Budget App That Doesn't Want Your Bank Account
Every major budgeting app asks for your bank login on day one. Your transaction history, account balances, spending patterns — all sitting on someone else's server. PerDiem never asks.
No Bank Connection Required
Your bank credentials never leave your hands. We don't use Plaid, Yodlee, or any third-party data aggregator.
Your Budget Data Stays on Your Device
All your spending data is stored locally on your phone. We never see your budget, your categories, or your spending habits.
No Subscription Fees
Use PerDiem free with ads, or make a one-time purchase to go ad-free forever. No monthly charges, ever.
We Never See Your Financial Data
The free version shows ads (standard ad network), but your budget data is never shared with anyone. Upgrade once to remove ads entirely.
What We Know About You
Free version includes ads. One-time purchase removes them.
How PerDiem Compares to Other Budget Apps
Looking for a simple budgeting app that respects your privacy? See how PerDiem stacks up against Mint, YNAB, Copilot, and other popular budget trackers.
| Feature | PerDiem | Mint | YNAB | Copilot |
|---|---|---|---|---|
| No bank account needed | ||||
| 100% offline & private | ||||
| No monthly subscription | Free or one-time buy | Free (with ads) | $14.99/mo | $10.99/mo |
| Setup time | 30 seconds | 10-20 min | 30+ min | 10-15 min |
| Budget data stays on device | ||||
| Daily spending focus | Monthly only | Monthly only | Monthly only | |
| Works without internet | Partial |
* Comparison based on publicly available information as of 2026. YNAB, Mint, and Copilot are trademarks of their respective owners.
People Are Taking Control of Their Spending
Join thousands using the simplest budget app to build better daily spending habits.
"I tried YNAB and gave up after a week. PerDiem took me 30 seconds to set up and I've been using it every day since. Finally a budget app that doesn't feel like homework."
— Sarah M.
Tracked coffee spending for 30 days
"The fact that it doesn't need my bank login sold me immediately. I don't want another app with access to my finances. Simple, private, and it actually works."
— James K.
Saved $340/month on eating out
"I was spending $200/month on impulse Amazon purchases without realizing it. After 2 weeks with PerDiem, I cut it to $50. The daily awareness is what makes it work."
— Michelle T.
Cut impulse spending by 75%
Frequently Asked Questions
Everything you need to know about PerDiem, the simple daily budget tracker app.
What is PerDiem and how does it work?
PerDiem is a simple daily budget tracker app that helps you control spending one category at a time. Pick a category (like eating out or coffee), set a daily budget, and log your purchases. It takes 5 seconds to use and shows you exactly how your daily spending habits change over time.
Is PerDiem really free?
Yes! PerDiem is free to download and use with ads. Make a one-time purchase to remove ads and unlock premium features like multiple categories and detailed analytics — no monthly subscription, ever.
Do I need to connect my bank account?
No. PerDiem never asks for your bank login, credit card information, or any financial credentials. You manually log your purchases, which gives you more awareness of your spending habits. This is a key part of the behavior change approach.
Is my data private and secure?
Your budget and spending data is stored 100% locally on your device — we never see it. The free version includes standard ads (which may use basic device info as all ad networks do). Upgrade once to remove ads entirely and enjoy a completely offline experience.
Why track one category at a time instead of everything?
Research in behavioral psychology shows that focusing on one habit at a time leads to lasting change. Tracking everything at once is overwhelming and leads to app abandonment. By mastering one spending category, you build real financial discipline that carries over to all areas.
How is PerDiem different from Mint, YNAB, or Copilot?
PerDiem is intentionally simpler. While Mint, YNAB, and Copilot are full-featured budget management platforms that require bank connections and monthly subscriptions, PerDiem focuses on daily spending awareness without needing your bank login. It's a budget app for people who find traditional budgeting tools too complex or too invasive.
Does PerDiem work offline?
Yes, 100%. PerDiem works completely offline with no internet connection required. Since all data is stored locally on your device, you can track spending anywhere — on a plane, in the subway, or in areas with no signal.
What platforms is PerDiem available on?
PerDiem is available on both iOS (iPhone) and Android devices. Download it from the App Store or Google Play Store.
Can I track multiple spending categories?
The free version focuses on one category at a time (this is intentional for building habits). Make a one-time purchase to unlock multiple categories, remove ads, and get detailed analytics.
Is this a good budget app for beginners?
PerDiem is designed specifically for people who find traditional budget apps too complicated. If you've tried Mint or YNAB and felt overwhelmed, PerDiem's one-category approach makes budgeting simple enough to actually stick with. It's the best simple budget app for people who have never budgeted before.
Take Control of Your Daily Spending — Starting Today
Every day you wait is another day of spending without awareness. Download PerDiem now and know exactly where your money goes — no bank account, no subscription, no complexity.
Free to download with ads. One-time purchase to go ad-free. No credit card required. No account needed.