Shared household budgeting with bank sync, rules and envelope-style rollover
- Envelope
- Expense tracking
- Couples & families
HomeBank
Local-first Apple-platform finance app with free envelopes and optional Premium.
Status unclearDifferent from the open-source desktop HomeBank. This listing is an Apple-only app that is in TestFlight beta.
Status unclear. We could not verify that this product is actively maintained or what it currently offers.
Research-based review, not hands-on testing. Last researched .
Overview
HomeBank is a native iPhone, iPad and Mac personal finance app built by an independent developer. Accounts and transactions stay on-device with optional iCloud sync, and envelope budgets are set up free while pace tracking, alerts, rollover and bank import via a third-party service are Premium. It is currently distributed only as a TestFlight beta.
Best for: Apple-device users who want local-first envelope budgeting with strong import support and are willing to use a beta.
Pros and cons
Pros
- Envelope setup, unlimited accounts and transactions are free with no time limit
- Imports 8 formats including QIF, OFX, CSV, MT940 and CAMT.053; exports HBK, CSV and QIF
- Data stays on device; iCloud sync optional; no server storing finances
- Multi-currency with exchange rate syncing, recurring transactions and loan tracking
- Guided one-time import from other budgeting apps is described on the imports page
- Household sharing and Apple Family Sharing on Premium
Cons
- Beta only via TestFlight request; not on public App Store yet
- Apple platforms only (iOS 18+, macOS 15+); no Android or web
- Live budget pace, over-budget alerts and rollover are Premium-only
- Bank connection needs a separate paid third-party (Lunch Flow) subscription and is manual, not automatic
- Solo developer and no independent reviews found
Features
- Envelope budgeting included
- Automatic bank sync included
- Manual transaction entry included
- Goal tracking included
- Debt payoff tools not included
- Investment tracking not included
- Bill reminders not confirmed not confirmed
- Reports & charts included
- Multi-currency included
- Shared / household budgets included
- Separate logins for shared budgets not confirmed not confirmed
Envelopes, multi-account, health score, carbon footprint, receipt OCR, smart rules, recurrences, loans, widgets, Siri, crypto tracking (Premium)
Our review
Short version
HomeBank is a native iPhone, iPad and Mac personal finance app built by an independent developer. Accounts and transactions stay on-device with optional iCloud sync, and envelope budgets are set up free while pace tracking, alerts, rollover and bank import via a third-party service are Premium. It is currently distributed only as a TestFlight beta.
Quick profile, not a full review. Built on 2026-09-29 from the vendor site, store listings and public sources. No hands-on testing: I did not sign up, start a trial or connect a bank.
Status: homebank.app is live with an active changelog (September 2026 TestFlight build), but the app is in beta on TestFlight by request only; the pricing FAQ speaks of the App Store launch in the future tense. Not the older open-source desktop HomeBank (homebank.free.fr) despite the shared name.
Cost
- Premium $6.99/mo (planned; not yet on App Store per pricing FAQ)
- Premium $49.99/yr; Free tier $0 with no time limit
- Trial: 30-day free trial on annual Premium plan (planned for App Store launch)
Not confirmed
Public App Store release date; Founding year; Multiple budgets; Independent reviews; Store rating; Whether debt payoff/investment tracking exist beyond crypto and loans.
Notes
Different product from the open-source desktop HomeBank. Pricing shown is planned for the App Store launch.
Ratings are set separately against a shared rubric.
HomeBank alternatives
Envelope budgeting with Plaid bank sync on web and iPhone
- Envelope
- Zero-based
- Expense tracking
Manual-first envelope budgeting with optional bank sync and a free tier
- Envelope
- Zero-based
- Expense tracking