Personal Finance · Reimagined

Know where
you stand.

Baseline connects all your accounts, monitors your credit, tracks investments, and delivers AI-powered insights — so you always know your real financial picture.

Download for iOS → See features

Net Worth↑ Live
$48,291
+$1,204.50 this month · +2.6%
Checking$3,840.12
Investments$31,450.00
Savings$13,001.00
Bank IntegrationAI InsightsCredit ScoreInvestment TrackingSpending BudgetsWeekly ChallengesLeaderboardsNet Worth DashboardTrophy SystemPlaid Secure Connect Bank IntegrationAI InsightsCredit ScoreInvestment TrackingSpending BudgetsWeekly ChallengesLeaderboardsNet Worth DashboardTrophy SystemPlaid Secure Connect
—
Users & counting
5.0★
App Store rating
256-bit
Bank-level encryption
v1.2
Latest version
Features

Built for clarity.
Not complexity.

Everything you need to understand your money — nothing you don't.

01
Your complete financial picture
$48k

Connect checking, savings, credit, and investment accounts. See your real net worth — updated automatically, every day.

Powered by Plaid
02
AI-Powered Insights

Personalized analysis of your spending patterns, savings rate, and financial health — not generic tips.

Pro Feature
03
Credit Score
742

Real-time monitoring. No hard pulls.

04
Investment Tracking

Portfolio performance, allocation, and gains across all accounts.

05
Challenges & Trophies
✓No-spend weekend
✓Save $500 this month
○Beat last month
06
Social Leaderboards

Compete with friends on savings goals and weekly challenges. Money's more motivating when there are stakes.

07
Security you can trust

Bank-grade 256-bit encryption via Plaid. Your credentials are never stored on our servers. We never sell your data — ever. Your privacy is the product.

Bank-Level Encryption
What's New

Always improving.

Current release · v1.2

We ship constantly. Here's what dropped recently.

May 2026
Credit Tracking
View and monitor your credit accounts in one place. Track balances, utilization, and payment history — Premium feature.
New
May 2026
Investment Tracking
Connect and track your investment accounts. See holdings, portfolio value, and performance — Premium feature.
New
May 2026
Challenge Trophies
Unlock placement trophies for finishing in the top spots on weekly challenge leaderboards.
New
May 2026
New Challenges
More ways to stay consistent and improve your finances — fresh challenge types added to the weekly rotation.
New
May 2026
Dashboard Refresh
Cleaner, more organized layout with reduced clutter for a simpler, faster experience.
Improved
May 2026
Navigation & Animations
Faster, more intuitive navigation and smoother animations throughout the app.
Improved
May 2026
More Trophies
Added more trophies to reward your financial consistency and milestones.
Improved
May 2026
Performance & Backend
Backend optimizations to improve speed and quality-of-life improvements across the board.
Improved
Apr 9, 2026
Guided App Tour
New users get a hands-on walkthrough spotlighting the dashboard, AI coach, friends tab, and challenges as you go.
New
Apr 9, 2026
Daily Tips
A rotating tip card with 60 financial tips across budgeting, saving, spending, investing, and more. Tap to browse.
New
Apr 9, 2026
Pro Expiry Reminders
If your Pro was earned through referrals, you'll now see how much time you have left and get notified before it runs out.
New
Apr 9, 2026
Weekly Challenges Card
Made the Weekly Challenges card bigger in the dashboard for better visibility.
Improved
Apr 9, 2026
Trophy Count Fix
Fixed trophy count showing inflated numbers when comparing stats with friends.
Fix
Apr 9, 2026
Challenge Countdown Fix
Fixed weekly challenge countdown showing wrong days remaining — challenges now correctly run Monday 7AM to Friday 7PM.
Fix
How it works

Four steps to clarity.

01
Create account

Sign up in under 60 seconds. No credit card. Start free and upgrade anytime.

02
Connect banks

Link all accounts securely via Plaid. Checking, savings, credit, investments — takes under a minute.

03
See everything

Baseline auto-categorizes transactions, calculates net worth, and surfaces your real financial baseline.

04
Build habits

Set budgets, earn trophies, complete challenges, and track progress week over week.

★★★★★
"#1 Finance App"

Baseline allows you to track your spending in multiple ways — weekly overview, day-by-day, and spending patterns. It combines finance and social media with its Friends functionality. You can compete against friends and globally in challenges to see where you personally stand financially.

BD
BigDollaTy
App Store · 5 stars
★★★★★
"Best out there"

You're not going to get anything better than this, it has everything you could ever ask for.

WD
wdillow
App Store · 5 stars
★★★★★
"best budgeting app"

Best budgeting app money can buy.

LK
laynekelleyy
App Store · 5 stars
READ ALL REVIEWS ON THE APP STORE
🎁 Referral Program

Invite friends.
Earn Pro free.

Share your unique link. When your friends join and link a bank account, you both win. Earn up to 3 free months of Pro per calendar year.

Get your referral link →
Your reward per milestone
1 Month
of Baseline Pro, free — for every 3 friends who link their bank account. Up to 3 months per calendar year.
✦  Up to 3 months free per year
01
📲
Grab your link
Open Baseline and find your unique referral code in Settings. Every account gets one automatically.
02
👥
Share with friends
Send it anywhere — iMessage, Instagram, wherever. When they sign up and link a bank account, it counts.
03
✦
Earn Pro, automatically
Every 3 referrals = 1 free month of Pro, credited instantly. Earn up to 3 months per calendar year.
Pricing

Simple. Honest pricing.

Free
$0
Forever free · No credit card
  • ◆Connect up to 2 accounts
  • ◆Transaction history (90 days)
  • ◆Spending categories
  • ◆Basic net worth tracking
  • ◆Weekly challenges
Start for free
Pro
$4.99 / mo
$34.99 / year · Save 42%
  • ◆Everything in Free
  • ◆Unlimited account connections
  • ◆Advanced spending insights
  • ◆Smart forecasting
  • ◆Custom budgeting tools
  • ◆Priority alerts & notifications
  • ◆Enhanced financial reports
Get Baseline Pro →
FAQ

Common questions.

Is my banking data actually secure?+
Yes. Baseline uses Plaid to connect your accounts — the same infrastructure used by Venmo, Robinhood, and thousands of other apps. Your bank credentials are encrypted and never stored on our servers. We only receive read-only transaction data.
Does checking my credit score hurt it?+
No. Baseline uses a soft pull to retrieve your credit score, which has zero impact on your credit rating. You can check it as often as you like.
What's included in the free plan?+
The free plan includes up to 2 connected accounts, 90 days of transaction history, spending categories, net worth tracking, and access to weekly challenges. It's genuinely useful with no artificial limits designed to frustrate you.
Can I cancel Pro anytime?+
Absolutely. Cancel anytime through your iOS subscription settings. You'll keep Pro access through the end of your billing period, then drop back to the free plan. No cancellation fees, no runaround.
Which banks are supported?+
Baseline supports over 12,000 financial institutions via Plaid — all major US banks, credit unions, brokerages, and credit card issuers. If your bank exists, it almost certainly works with Baseline.
Is Baseline available on Android or web?+
Baseline is currently iOS-only. Android and a web version are both on the roadmap. Sign up on the homepage and we'll email you the moment either goes live.
How does the referral program work?+
Share your unique referral link from inside the app. When 3 friends successfully link a bank account, you earn 1 free month of Pro — automatically credited. There's no cap on how many months you can stack, and rewards expire 30 days after being credited.
Can I share Baseline with a partner or family member?+
Shared accounts aren't available yet, but they're on the roadmap. For now, each person uses their own account. You can add each other as friends to compare spending stats and compete on weekly challenges together.

Stay in the loop.
Updates drop fast.

New features and tips — no spam, ever.