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
v1.0.2
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 · v1.0.2

We ship constantly. Here's what dropped recently.

Apr 2026
Friend Activity Notifications
Get notified for friend requests, acceptances, nudges, shared budget & goal invitations, and challenge activity. Notifications now show first names for a personal touch.
New
Apr 2026
Manual Subscriptions Sync
Manual subscriptions now sync across all your devices automatically. Your data stays consistent everywhere.
Improved
Apr 2026
Transaction Filter Crash Fix
Fixed a crash when viewing transactions with custom date ranges. Also improved transaction grouping and sort stability.
Fix
Apr 2026
Advanced Filters Performance
Smoother animations when changing categories, better error handling for date filters, and more responsive swipe actions on transaction rows.
Improved
Apr 2026
Challenge Notification Fix
Fixed friend nudge cooldown persistence and eliminated challenge notifications firing when inactive.
Fix
Apr 2026
Baseline 1.0 Launch
Baseline Finance is live on the App Store. Track spending, budget smarter, connect your accounts — all in one place.
New
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
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?+
Baseline is currently iOS-only. Android is on the roadmap — sign up for email updates and we'll let you know the moment it's available.

Stay in the loop.
Updates drop fast.

New features and tips — no spam, ever.