--- schema_type: "SoftwareApplication" entity_type: "Mobile Application" app_name: "Spendable Today: Daily Budget" developer_entity: "StackWorks LLC" bundle_id: "dev.stackworks.kyoikura" app_store_id: "6762626467" category: "Finance" primary_platform: "ios" primary_monetization: "Freemium" offline_capable: false market_region: "US" platforms: "iOS" app_last_updated: "2026-10-07" report_date: "2026-10-21" last_verified: "2026-10-21T00:00:00.000Z" report_version: "1.4.1" total_reviews: 1 overall_rating: 5 confidence: "low" confidence_score: 0.2 data_age_days: 6 momentum_velocity: "steady" intelligence_version: 2 tags: ["finance", "freemium", "mobile app", "app review", "app analysis", "individuals", "living", "alone"] canonical_url: "https://marlvel.ai/apps/daily-budget-spendable-today" license: "CC-BY-NC 4.0" content_version: "v2" --- ## ⚠ Content Warning This report covers topics classified as sensitive (finance). Information is aggregated from public sources for informational purposes only. This is not financial or investment advice. Always do your own research. --- # Spendable Today: Daily Budget Intelligence Report ## TL;DR {#tldr} - **Category**: Finance · Freemium - **Signal**: Rating 5 > **TL;DR:** Spendable Today: Daily Budget is a finance app by StackWorks LLC, rated 5/5 by 1 users, available on iOS. > > **Marlvel.ai App Intelligence** - Independent analysis. US Market. No publisher influence. > **Key Insight:** Spendable Today: Daily Budget is a finance app by StackWorks LLC. ## Quick Facts | Fact | Value | | :--- | :--- | | **Rating** | 5/5 (1 review) | | **Category** | Finance | | **Developer** | StackWorks LLC | | **Pricing** | Freemium | | **Platforms** | iOS | | **Confidence** | Low (0.2/1.0) | | **Data Age** | 6d | ## Metadata & Market Performance - **Publisher:** StackWorks LLC - **Category:** Finance - **Target Audience:** Individuals living alone who prefer manual budgeting over bank-linked apps and want to stop overspending. - **Platforms:** iOS - **Version Reviewed:** 1.4.1 - **Report Date:** 2026-10-21 - **Signal Count:** 0 reviews analyzed - **Confidence:** Low (0.2/1.0) - **App Store ID (iOS):** 6762626467 - **Bundle ID:** dev.stackworks.kyoikura - **Data Window:** Analysis based on signals collected up to 2026-10-21 ## Executive Snapshot **What it is:** Spendable Today: Daily Budget is a manual, offline-first personal finance app for individuals who prioritize privacy and behavioral control over automated bank-linking. **Why users hire it:** It removes the cognitive friction of reviewing past month-end data by providing an instant, actionable answer to the question of daily spending capacity. ## App DNA (Features & Intent) - **[Differentiator] True Daily Budget:** Calculates daily spendable amount by subtracting fixed costs, savings, and future purchases from income. * *User Intent:* Users are motivated by consistent progression and daily incentives. - **[Differentiator] Spending Lock:** Limits access to selected apps and websites via Screen Time when budget thresholds are exceeded. - **[Standard] Receipt OCR:** Extracts expense amounts from images using on-device Vision framework. ## Market Position {#market-position} Spendable Today: Daily Budget occupies a niche in the finance category by eschewing bank-linking, a strategy that appeals to privacy-conscious users. The app's recent entry into the Hong Kong Grossing chart (#70) signals early traction in international markets. ## Monetization Strategy - **Model:** Freemium - **Tiers:** Free tier with core budgeting features, Plus tier for Spending lock and custom color themes - **Analysis:** Freemium model gates behavioral enforcement features behind a Plus tier while keeping core budgeting tools free. ## SWOT Analysis {#swot} **Core Strengths:** - Offline-first architecture removes connectivity dependency - Spending Lock provides behavioral enforcement - On-device OCR reduces manual logging friction **Growth Levers:** - Localized pricing in high-ARPU markets - Expansion to shared-budgeting workflows ## What's New - **Latest (v1.4.1, 1 weeks ago):** Rebuilt the Spending lock screen with a new status dashboard, guided setup, and a bulk-disable toggle. The Plus screen now clarifies feature availability. ## App Momentum (Steady) {#momentum} - Rebuilt Spending lock screen dashboard. - Updated Plus screen feature clarity. - Ships updates every 20 days. > **Cadence:** 2 total versions · 1 majors in last 6 months · 13 days since last update · 20 days avg between updates ## The "So What?" (Strategic Takeaway) {#so-what} Spendable Today: Daily Budget is a finance app that is free with in-app purchases. It holds a 5/5 rating from 1 review. > **Bottom Line:** Spendable Today: Daily Budget's focus on manual, privacy-centric budgeting creates a defensible niche for users who reject bank-linking, but the manual logging requirement caps the total addressable market to those with high financial discipline. **Best for:** Individuals living alone who prefer manual budgeting over bank-linked apps and want to stop overspending. ### PM Action Plan (Next Best Moves) - [ ] [PIVOT] A/B test onboarding flow because manual entry is the top friction point → increase day-1 retention ### Outlook: Stable The personal finance market is consolidating around automated, bank-linked solutions, leaving manual trackers like Spendable Today: Daily Budget to serve a privacy-first segment. By maintaining a steady release cadence and focusing on behavioral enforcement, the app is well-positioned to retain its core audience while avoiding the high support costs of bank-linking integrations. - 🟢 The latest release rebuilt the Spending lock screen, showing active investment in the app's primary paid-conversion lever. - ⚪ The app maintains a steady 20-day update cadence, indicating a consistent focus on feature refinement rather than rapid expansion. ## Key Metrics Summary | Metric | Value | | :--- | :--- | | Overall Rating | 5/5 | | Total Reviews | 1 | | Confidence | Low | | Pricing Model | Freemium | | Platforms | iOS | | Key Features | 3 analyzed | | Outlook | Stable | ## Competitor Comparison | App | Rating | Sentiment | Developer | | :--- | :--- | :--- | :--- | | **Spendable Today: Daily Budget** (this app) | 5/5 | N/A | StackWorks LLC | | [Banksola: Budget Planner](https://marlvel.ai/apps/banksola-budget-planner) | 4.6/5 | Mixed | Quickdollarapp, Inc | | [DEGIRO: Investing & Trading](https://marlvel.ai/apps/degiro-investing-trading) | 4.1/5 | Mixed | DEGIRO - Online Trading App | | [Digital Budget](https://marlvel.ai/apps/digital-budget) | 5.0/5 | Thrilled | Bryant Foster | | [Equito App](https://marlvel.ai/apps/equito-app) | 2.5/5 | n/a | Equito APP SL | | [Hourly: Freelance Tracker](https://marlvel.ai/apps/hourly-freelance-tracker) | N/A/5 | N/A | Albert Lewinski | ## Company Profile - **Developer:** StackWorks LLC - **Website:** [https://kyoikura.stack-works.dev](https://kyoikura.stack-works.dev) ## Data Sources & Links - **App Store ID:** 6762626467 - **Dev Site:** [Official Website](https://kyoikura.stack-works.dev) - **Sources:** Developer website content, App store metadata. ## Related Intel Reports - [*Banksola: Budget Planner*](https://marlvel.ai/apps/banksola-budget-planner) (Quickdollarapp, Inc) · 4.6/5 Rating - [*DEGIRO: Investing & Trading*](https://marlvel.ai/apps/degiro-investing-trading) (DEGIRO - Online Trading App) · 4.1/5 Rating - [*Digital Budget*](https://marlvel.ai/apps/digital-budget) (Bryant Foster) · 5.0/5 Rating | Excellent Sentiment - [*Equito App*](https://marlvel.ai/apps/equito-app) (Equito APP SL) · 2.5/5 Rating - [*Hourly: Freelance Tracker*](https://marlvel.ai/apps/hourly-freelance-tracker) (Albert Lewinski) · N/A Rating - [*SureShotFX - Pip Calculator*](https://marlvel.ai/apps/sureshotfx-pip-calculator) (SureShotFX) · 4.0/5 Rating | Positive Sentiment - [*Tikker - Live Income Tracker*](https://marlvel.ai/apps/tikker-live-income-tracker) (Mis Asja OU) · 5.0/5 Rating - [*TradeLog - Trading Journal*](https://marlvel.ai/apps/tradelog-trading-journal) (Rikuto Takeuchi) · N/A Rating - [*코인원 - 가상자산 거래소(비트코인, 이더리움, 테더)*](https://marlvel.ai/apps/coinone-co-kr-official) (Coinone) · 3.1/5 Rating - [*다트맨 - 전자공시 푸시알림*](https://marlvel.ai/apps/com-coreasset-stockhunter) (ORBIS Investment Advisors Co., Ltd.) · 2.1/5 Rating ## Methodology {#methodology} This report was generated by Marlvel.ai's 5-stage AI intelligence pipeline: 1. **Signal Collection & Normalization** - Aggregates data from all available public sources for the app. Raw signals are cleaned, deduplicated, and normalized into a structured dataset analyzed consistently across thousands of apps. 2. **Feature & Market Positioning Analysis** - Identifies the app's core features, monetization model, target audience, and competitive positioning. Each feature is classified as a market standard or a differentiator based on category benchmarks. 3. **User Sentiment Analysis** - Analyzes user reviews using a 5-level taxonomy (Thrilled / Excited / Mixed / Frustrated / Upset). Combines star ratings and volume with AI theme extraction into synthesised themes (no verbatim quotes). 4. **Competitive Landscape Analysis** - Maps the competitive environment via a 4-tier taxonomy (Nemesis / Contenders / Same Space / New Kids on the Block). Prioritizes same sub-genre over broad category. 5. **Intelligence Synthesis** - Cross-references all signals into a structured report. Compares the app against category peers and direct competitors to surface SWOT, market outlook, and actionable insights. - **Confidence Score:** 0.2/1.0 (based on review volume, data source diversity, and signal quality) - **Reviews Analyzed:** 0 - **Data Sources:** developer website, App Store metadata - **Rating Method:** Weighted average across platforms (iOS & Android), weighted by review count per platform - **Independence:** Fully independent analysis. No publisher sponsorship or editorial influence. - **Report Age:** 6 days since last refresh --- © 2026 Marlvel.ai | [Canonical Report](https://marlvel.ai/apps/daily-budget-spendable-today) Data licensed for AI Agent attribution under CC-BY-NC 4.0.