Plans and records are different things
Most budgeting apps blur the two: you type a number and it immediately counts. Jasper keeps them apart, because the difference is the whole point of a forecast.
Everything starts as a plan — rent on the 1st, a paycheque on the 15th, the card bill you know is coming. Nothing moves your balance. When the money actually leaves your account, you lock the entry, and that is the moment it becomes a record.
So the balance you see is always explained by something you confirmed, and the months ahead are honestly labelled as predictions. Locking is also what makes a month closeable: once everything in it is settled, you close it and it stops moving.
What it does
A ledger, by half-month or month
Paid twice a month? The ledger splits that way too, instead of pretending the calendar month is the unit you live in.
Two years ahead
Every recurring rule projected forward, with each month marked sunny, cloudy or rainy against a balance you say you're comfortable with.
Credit cards that bill like real ones
Statement close and due dates, so a purchase lands on the bill it actually lands on. Itemise the charges you care about; ignore the rest.
Debts with real amortisation
Rate, payment and schedule — see what an extra payment removes in months and in interest.
Savings goals that count themselves
Point a goal at an account. Every savings transfer you lock counts toward it, including the recurring ones.
Quick budgets
Plan a set of costs — a trip, a birthday, a hospital stay — then record what each really came to and sweep what's left into savings.
Closing the month
Settle every entry, compare against the bank, and record the difference rather than papering over it. Then the month is done.
More than one currency
Separate books per currency, each with its own accounts, cadence and forecast. No conversion, no guessing at rates.
Your data is yours, structurally
This isn't a promise about how we behave — it's a description of how the app is built. There is no account system, so there is nothing to sign in to. There is no analytics SDK and no advertising SDK. There is no server that holds your ledger, because there is no server.
Your data lives in a SQLite database in the app's own storage on your phone. You can export every table of it to a plain CSV file at any time, and import it back. Deleting the app deletes the data with it — so keep an export somewhere if you care about it.
The one network request Jasper makes is checking for an app update on launch. It sends the app version and platform. It never sends anything you record. See the privacy policy for the specifics.
Pricing
Jasper is free to use, properly — not a demo with the useful parts removed. Plus is a one-time purchase, not a subscription: budgeting software that charges rent forever is a strange thing to trust with your budget.
| Free | Plus | |
|---|---|---|
| Transactions, locking, closing months | Unlimited | Unlimited |
| Accounts | 3 | Unlimited |
| Goals | 2 | Unlimited |
| Quick budgets | 2 | Unlimited |
| Recurring expenses | 5 | Unlimited |
| Your own categories | 3 | Unlimited |
| Currencies | 1 | Unlimited |
| Forecast horizon | 12 months | 24 months |
Recurring income is never limited — a forecast without what arrives isn't a forecast. Neither is how much you record: no cap on transactions, on locking, or on how many months of history you keep. Limits only ever apply to how many things you set up.
And nothing you created is ever deleted to enforce a limit. If you're above one, you keep everything — you simply can't add more until you're back under.
Getting it
Jasper is in testing on TestFlight ahead of an App Store release. If you'd like to try it, get in touch.