headway

Private budgeting for iPhone. Your money, finally clear.

Headway is a private iPhone budget app for planning spending, bills, savings goals and safe-to-spend money without linking your bank account. It gives you a clear, local-first plan for everyday money decisions, using the information you choose to enter instead of a continuous bank feed or automatic transaction imports.

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headway

Good morning

£42.60

safe to spend today

30-day outlookAfter bills, goals and your buffer
Spent
£18.40
Protected
£620
◎
Holiday£680 of £1,000
68%
✋
Impulse pauseQuiet the apps that tempt you

What is Headway in one sentence?

Headway is a private iPhone budget app for planning spending, bills, savings goals and safe-to-spend money without linking your bank account.

  • Designed for local-first, manual budgeting on iPhone.
  • Headway 1.0 is free, with no active paywall.
  • Built for people who want a clear plan without automatic bank feeds.

What can Headway help you do?

Headway gives you one clear view of your money so you can plan spending, keep bills visible, set savings goals and decide what is safe to spend. It is designed for practical day-to-day budgeting rather than complicated financial dashboards or bank-linked advertising.

See where your money goes

Understand your spending by category and spot changes before they become surprises.

View spending insights

Make a budget that works

Build a flexible plan around your income, priorities, and real spending habits.

Build my budget

Stay ahead of bills

Keep upcoming payments visible so you can plan before they reach your account.

Plan my bills

Turn goals into progress

Set a target, break it into manageable steps, and see every contribution move you forward.

Start a savings goal

How Headway works

How does Headway work without bank links?

Headway is a local-first iPhone budget app: you add the income, expenses, planned payments and goals you choose to track, then use that clear picture to decide what is safe to spend. Your plan does not depend on a continuous bank feed or automatic transaction imports.

On-device by design

Your financial records are designed to stay on your iPhone. Headway does not require a continuous bank feed.

No account required

The app is designed for account-free personal budgeting, with no registration barrier before you can plan your money.

Manual entry, not bank sync

Enter transactions yourself, use planned payments and use Apple features such as Siri and Notes import where supported.

Built for the full picture

Track cash, current, savings, investment, credit-card, loan and mortgage accounts, plus net worth, debt and savings goals.

Is Headway for you?

Is Headway right for you?

Headway is for people who want private, practical budgeting on iPhone without linking a bank account. It brings spending, bills, debt, savings goals and safe-to-spend planning into one focused place, while making clear when automatic bank imports or Android support are not available.

Headway is for you if

  • You want a private iPhone budget app.
  • You do not want to link your bank account.
  • You need bills, debt, goals and safe-to-spend money in one view.
  • You prefer a clear plan over automated financial advertising.

Headway may not be for you if

  • You need automatic bank transaction imports.
  • You want a full Android or web app.
  • You need investment advice or a regulated financial service.

Try it and learn

Useful money tools, made clear.

Use a calculator immediately or explore a practical guide. Everything is free to read, easy to find and designed to help before Headway even reaches your iPhone.

Free tools

Put your own numbers to work.

Plan a budget, calculate safe-to-spend money, review subscriptions or map out a savings goal.

Explore all tools Privacy guide

Budget without linking your bank

Understand the benefits and tradeoffs of deliberate, manual budgeting.

Read guide Planning guide

Budget with irregular income

Protect commitments when pay dates and amounts change.

Read guide All articles

Browse the Headway guides

Find practical help with safe-to-spend planning, privacy and everyday budgeting.

See all guides

How much does Headway cost?

Headway 1.0 is free, with no active paywall, subscription or in-app purchase. No bank connection is required.

Free in Headway 1.0

Free in Headway 1.0

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Questions, answered

What do people ask about Headway?

These are the practical questions people ask before choosing a private budget app. The answers explain Headway’s current availability, supported platform, bank-linking approach, price and intended audience in plain language.

What is Headway’s current availability?

Headway is available for iPhone.

Is Headway available on Android?

Headway is only available on iOS at this time. It is not available on Android.

Does Headway connect to my bank account?

No. Headway is designed for manual, planned and on-device budgeting without requiring a bank connection.

How much does Headway cost?

Headway 1.0 is free, with no active paywall, subscription or in-app purchase. No bank connection is required.

Who is Headway for?

Headway is for people who want a private, practical iPhone budget app for spending, bills, savings goals and safe-to-spend planning.

Budgeting by paycheck?

Our US budgeting guides explain how to budget by paycheck and manual budgeting without bank linking.