Budget app in New York: USD, multi-currency, no bank connection
12 currencies supported (USD, MAD, EUR, USD, GBP...), four budgeting methods, zero bank connections.
SmartJib is a private, offline-first budget app built for life in New York: track spending in USD across bank, home and wallet without sharing your bank credentials.
Cost of living in New York
$2 800 – 4 500
- • Source: Numbeo / listings 2026 averages
- • Varies by neighborhood
$129
- • Public transit / ride-hail / fuel
- • Daily commuting
$18 – 40
- • Mid-range, one person
- • Varies by area
Indicative 2026 averages (Numbeo, rental listings, estimates) — adjust for your neighborhood and lifestyle.
Why a budget that fits New York
New York has its own cost of living, transport mix and payment habits. SmartJib starts in USD, separates needs/wants/savings from where money is held (bank, home, wallet), and never connects to your bank. Whether you use mostly cards or a mix of cash and cards, SmartJib keeps your bank, home and wallet balances honest.
What SmartJib brings you in New York
- USD as a first-class currency, with proper Intl number formatting; 12 currencies in total for travelers, expats and multi-country households.
- Three money places (bank, home, wallet) — a cash withdrawal never looks like spending.
- No bank connections, no usernames or passwords to share, no advertising profiles built from your data.
- Four budgeting methods: 50/30/20, zero-based, envelopes, pay-yourself-first.
- Free calculators: 50/30/20, compound interest, zakat, mortgage, net worth.
How to get started in New York
- Choose USD as your display currency during onboarding.
- Add your monthly take-home income.
- Set up your money places: bank(s), cash at home, wallet.
- Log every expense against a category (what it is for) and a place (where it was paid from).
- Reconcile your wallet weekly; a 10-minute Sunday check prevents wallet leak.
Frequently asked questions
Does SmartJib work offline?
Yes. Entries are cached locally in IndexedDB and sync to Firebase when you are back online.
Do I have to link my bank?
No. SmartJib is built for manual entry — that is the privacy guarantee.
Can I share a budget with a partner?
Yes. Ultimate supports shared households of up to 5 members. The core single-user budget is free forever.
Is my data locked in?
No. You can export CSV or a complete JSON backup any time, and delete your account permanently from Profile.