Budget apps ask where your money went.
Pahust tells you where it goes next.
Tell it the dates money arrives. It gives every payday for the next two years a short list of what to send where — and names the first future date your plan cannot cover.
Because Spain lands in the same month as the dentist. Move the dentist to October, cut Spain to $1 750, or lower September's savings — each fix shows what it costs before you apply it.
An illustration of a real plan's output. Every figure in the app is computed from your own inputs; none of it is estimated, sampled or averaged from anyone else.
How it works
Four things in
- What comes in — how much, on which dates, and how stable it is.
- What must go out — rent, loans, family, savings rules.
- What is coming — a trip, a visa, dental work, a purchase.
- Who owes whom — in both directions, with dates attached.
One thing out
On every future payday, a short list of what to send where — and the first date the plan cannot cover, named before it arrives. Change anything and the whole two-year horizon redraws before you save.
Safe to spend
The largest amount you can spend today with every future payday still holding. Not a monthly allowance — a forward search over your own plan.
Goals with an arrival date
Not a percentage bar: a month. And when the month moves, the app says which edit moved it.
A ledger for informal money
One row per person, the net position, the date it was expected back. A debt can attach itself to a payday and appear on that checklist on its own.
Six currencies, planned pessimistically
₽ $ € ₸ ֏ ₿, each with a planning rate you are meant to set worse than the market. A rate you typed is never overwritten.
Every number opens its arithmetic
Tap any figure on the Forecast screen and it shows the calculation in your own numbers — what it is, what changes it, and what it is not.
Two minutes a month
Occasionally you correct a balance, the way you set a watch. Nothing asks you to re-confirm a number you have already given.
What it will never do
- No transaction logging. Not even optional. The moment there is a "log expense" button, the app becomes homework.
- No bank sync. It would import ten thousand rows of noise to find four numbers you already know by heart.
- No spending categories. "Life" is one number. What happens inside it is your business.
- No gamification. No streaks, no confetti, no nagging. The reward is solvency.
These are not features that have not been built yet. They are the product.
Nothing leaves the device
There is no account, because there is no server. No analytics. No third-party SDK of any kind. Your plan is stored on your device and, if you are signed into iCloud, mirrored to your own iCloud private database — which nobody else can read, the developer included.
The app makes exactly two kinds of network request: currency quotes to keep planning rates from silently sitting at 1:1, and — only if you use the optional investments sheet — a price lookup for a ticker you typed yourself. Neither carries an account, a key, or anything about you. The forecast never waits on the network and never fails because a request did.
Optional on top: a Face ID lock, and one switch that blanks every amount in the app instantly.
Read the privacy policy — it is short, because there is almost nothing to say.
Everywhere you already look
- iPhone and iPad — the plan, the checklist, the forecast.
- Mac — a real Mac app with a real menu bar, not a stretched phone.
- Apple Watch — the checklist, tickable, with ticks syncing back.
- Widgets — the date, the count and a solvency dot on the Home and Lock Screens; the medium widget is the checklist itself, tickable without opening the app.
- Siri and Shortcuts — the next payday, the transfer list, what is safe to spend.
- Exports — xlsx, CSV, PDF, a calendar file, and a full JSON backup you own.
English and Russian. iOS 18 and later, watchOS 11 and later.
Pricing
Free
2 income streams, 4 accounts, 3 debts — with the entire engine. The solvency check is never behind a paywall; a safety feature you have to pay for is not a safety feature.
Pahust Plus
Unlimited income streams, accounts and debts. One payment, no renewal. An annual option at $9.99 exists for anyone who prefers a smaller first payment — it unlocks exactly the same thing.
No ads, ever. Prices in US dollars; local prices are set by Apple's regional tiers and shown in the app before you buy.
The name
Պահուստ — pahust, Armenian for reserve. It is the word the Central Bank of Armenia uses for reserve assets: not what you have spent, and not what you have earned. What is being held against what is coming.