Benefits: track your economics

See where your money goes each month, card by card, against the budgets you set. Never be caught out by a renewal again.

LOG IT IN SECONDS • Log a purchase from the Lock Screen, Control Center, the Action button, Back Tap, a widget or Siri, without opening the app • Set up a Shortcuts automation once, and every Apple Pay payment logs itself with the merchant, a category and the card you tapped • Log from your Apple Watch, even when your iPhone isn’t nearby • Benefits learns your merchants and files each purchase in the right category, getting smarter every time you correct it

EVERY CARD AT A GLANCE • Add a card from a screenshot. Benefits finds it, straightens it and paints over the number, expiry and security code, all on your iPhone • See this month’s spending on every card, with an optional monthly limit

BUDGETS THAT MAKE SENSE • A ring for each category shows what’s spent and what’s left • Set income targets and see your net for the month • Get budget suggestions based on your last three months • Get a heads-up at 80% and 100% of any budget

KNOW WHERE IT ALL WENT • Monthly charts by category, card or merchant; touch a slice to explore • Your pace and projection for the month, your biggest changes, day-by-day bars and a 12-month trend • Your year in review every January: top categories, regular places, big moments and how it compares with last year

NO SURPRISE RENEWALS • See your subscriptions’ monthly and yearly totals, grouped by when they’re due • Get a reminder the day before each renewal or free trial ends, at a time you choose • Renewals log themselves on the day

ON YOUR HOME SCREEN • Monthly Spending: a wheel of where the month went, on your Home Screen or Lock Screen • Spending by Day: every day of the month as a ring of tiles, darker on the days you spent more • Choose Automatic, Light, Dark or Tinted in a colour you pick, for all widgets or one at a time

PRIVATE BY DESIGN • No account, no ads and no tracking • Benefits has no servers of its own, so your data stays on your iPhone • Turn on iCloud sync and your data is kept in your own private iCloud, which only you can read • Lock the app with Face ID; your widgets then hide amounts while your iPhone is locked • Export a spreadsheet or a full backup whenever you like

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