Farthing is made by Bogdan Tsiganiuk. Contact: bogdan.tsiganiyk@gmail.com. By using Farthing you agree to these terms.
Farthing is a manual budgeting tool. You tell it your pay rhythm and income; it works out your pay cycle's start and end dates, lets you allot money to pots, and computes a "Safe to spend today" figure from what you have told it. It has no connection to any bank, card or financial institution.
Farthing has no bank connection: nothing is imported automatically, and nothing is verified against an outside source. The accuracy of every figure — your income, your pot allotments, your transactions, your bill due dates — depends entirely on what you enter. A pay cycle, a bill schedule, or a "Safe to spend today" figure is only as accurate as the data behind it.
Your pots, incomes, cycles and transactions are stored locally during normal use; Farthing does not intentionally upload budget records. Purchases use Apple and RevenueCat, and app updates use Expo, including installation metadata and limited launch diagnostics. Exported files and device backups may contain your budget records. See the Privacy Policy for details.
You are responsible for your own backups. Use Settings → Backup & restore → Export backup, and keep the file somewhere you can find it — if you lose or reset your device without a backup, the records are gone and we cannot recover them.
Some features — unlimited pots and incomes, sweep-to-savings rollover, savings goals with target dates, full cycle history with the spend calendar and forecast, and CSV export — require Farthing Pro. The pay-cycle engine, safe-to-spend, the ledger, one income, eight pots, bills with reminders, carry-over and reset rollover, lock, and backup/restore are free and stay free.
Farthing Pro is sold as a monthly or an annual subscription. Payment is charged to your Apple ID at confirmation of purchase. A subscription renews automatically unless it is cancelled at least 24 hours before the end of the current period; your Apple ID is charged for renewal within 24 hours prior to the end of the current period. You can manage or cancel a subscription in your App Store account settings after purchase. Refunds are handled by Apple under Apple's policies, not by us.
If Pro lapses, we never delete your data. Pro features stop being available; every pot, income, cycle and transaction you created stays exactly where it is and remains exportable.
Farthing is for your own personal budgeting. Do not use it to store or process anyone else's financial information without their consent.
To the maximum extent permitted by law, Farthing is provided "as is", without warranties of any kind, and we are not liable for any loss arising from your use of it — including any financial decision made, or not made, on the basis of a figure it produced. Nothing here limits liability that cannot be limited by law.
If these terms change, the date at the top changes with them. Continuing to use the app after a change means you accept it.