Keep everyday spending current
Capture purchases close to checkout instead of reconstructing a week of coffee, transit, and grocery spending.
Apple Pay + your monthly budget
An Apple Pay expense tracker that connects purchases to your budget
Budgeteer is an Apple Pay expense tracker for iPhone that uses a Shortcuts Wallet automation to capture purchases from selected cards. It brings the amount and merchant into Budgeteer, categorizes the transaction, and connects spending to your monthly budget.
The Apple Pay workflow requires setup on iPhone. Check current subscription options in the app.
Tap to pay is easy. Remembering every purchase is harder.
A coffee, a grocery run, and a few small purchases can disappear from memory before you review your spending. Looking at card activity later tells you what happened, but you still need to connect those purchases to the budget categories they affect.
Budgeteer connects Apple Pay expense capture with category budgets, tracked accounts, and spending reviews. After setup, eligible Wallet transactions can be recorded without opening the app. Review the category and payment account so your budget reflects what you actually bought.
Learn how to track Apple Pay expenses accurately →
How it works
Apple Pay purchase → Budgeteer tracking → categorized transaction → updated budget
- Step 1
Prepare Budgeteer
Create your spending categories and monthly budget. Open Shortcuts & Automations in Budgeteer to enable shortcut access.
- Step 2
Set up the Wallet automation
In Apple’s Shortcuts app, create a Wallet automation for the cards you want to track. Choose Run Immediately, add Budgeteer’s Add Transaction action, and map the Wallet Amount and Merchant inputs. Turn off Show When Run and save.
- Step 3
Pay, then review
Use Apple Pay with a selected card. Budgeteer records the transaction and attempts to match a category. Check the amount, category, account, and updated budget, especially for unfamiliar merchants.
Where this fits your everyday spending
See what remains in a category
Connect the recorded purchase to a category budget so the next spending decision uses current information.
Keep other purchases in the same plan
Use voice, receipt scanning, or manual entry for cash and purchases outside the Wallet automation.
What the Apple Wallet automation does—and what to review
This is an automation you configure in Shortcuts; installing Budgeteer alone does not start tracking Apple Pay purchases. It passes the Wallet transaction amount and merchant to Budgeteer for selected cards. This workflow is not a historical bank import or a complete feed of every card purchase.
After setup, verify your first purchase. Category matching may need correction, and the selected payment account should match how you paid. Check final posted amounts when tips or authorizations change, and avoid entering a receipt as a second expense if the same purchase was already captured.
Frequently asked questions
Can Budgeteer automatically track Apple Pay purchases?
Yes, after you enable shortcut access in Budgeteer and configure a Wallet automation in Apple’s Shortcuts app. The automation captures purchases for the selected cards; review the resulting transactions for accuracy.
Is this the same as Apple Wallet expense tracking?
Apple Wallet supplies transaction information to the automation. Budgeteer adds the budgeting context: categories, monthly spending plans, tracked accounts, and reviews.
Does this import all my past card transactions?
The described Wallet automation captures purchases after setup. It is not a historical bank import, and purchases outside that automation need another entry method.
Can I use Apple Pay tracking on Android?
This workflow requires Apple Pay and Apple’s Shortcuts app on iPhone. Budgeteer is also available on Android, where you can use other expense entry methods.
What if a purchase is missing or categorized incorrectly?
Check your card activity, add a missing expense manually, and correct the category or account in Budgeteer. Reconcile regularly to catch duplicates and adjusted amounts.
Explore the Budgeteer workflow that fits you
Bring your next Apple Pay purchase into your budget.
Download Budgeteer on iPhone, set up your Wallet automation, and review your first tracked purchase.