Budget app for iPhone and Android
Get a grip on
your money
Money Tracker is a private budget and expense tracker for iPhone and Android. See spending, budgets, bills, and net worth in one calm view, with your transactions encrypted on your device and bank sync only when you want it.
- Encrypted on your device
- Bank sync is optional
- Free download · 7-day trial on Sync & Pro
Dashboard
Projected cash
$187,413.55
Projected balance on Sep 22
Budget this month
22 days left
$310.56
of $6,300.00
Groceries
$180 left
$320 of $500
Whole Foods
Categorized
-$42.80
Features
Every dollar,
one clear picture.
Money Tracker turns your transactions into budgets, forecasts, and reminders — so you always know what's spent, what's left, and what's next.
See where it all goes
Daily spending against your monthly budget, with reports by category and merchant.
Spending this month
$1,240.00
of $2,000 budget
Make room for more
A little structure. A lot more freedom.
$760
left this month
$1,240 spent / $2,000 budget
Know your low point before it hits
Cash flow forecast projects your balance ahead of payday, upcoming bills included.
$3,980
lowest balance · Sep 24
Stay ahead of the next bill
Recurring charges are flagged automatically, with reminders before they renew.
- Sep22MusicMonthly subscription$12.99
- Sep25Cloud storageMonthly subscription$9.99
- Sep27VideoMonthly subscription$15.49
Sorted for you
Automatic categorization that learns from every review.
- Blue Bottle CoffeeCoffee-$6.50
- ShellGas-$48.20
- Trader Joe'sGroceries-$63.14
Budgets that speak up
Category budgets with a heads-up before one runs out.
- Groceries$320 / $50064%
- Dining$205 / $25082%
- Shopping$260 / $250104%
Watch it grow
Net worth across accounts, cards, and loans — plus savings goals.
Emergency fund
$6,500 of $10,000
65%
Privacy
Private on
your device.
Your financial life, kept close. Money Tracker keeps your transactions in an encrypted database on your iPhone, not on our servers.
Encrypted on your iPhone
Transactions live in an encrypted database on your device — never on our servers.
Bank sync when you want it
Link US banks through Plaid, or track every account by hand. Your call.
Locked behind Face ID
Require Face ID or Touch ID to open the app and to export your data.
Never sold
Your financial data isn't sold or shared with advertisers. Ever.
Encrypted
Stored securely on your device
Add transactions
Your money,
your way in.
Connect a bank, snap a receipt, ask Siri, or import a file. However you track, your budget stays up to date.
Bank sync
Plaid · optional
Link your banks through Plaid and transactions arrive on their own, encrypted on your phone.
Checking •••• 4821 · synced just nowReceipt photos
Snap and done
Take a photo of any receipt and the amount, date, and merchant are filled in for you.
Receipt · Trader Joe's · $63.14Siri
Hands-free
Log an expense with your voice using Siri and your saved expense templates.
“Log twelve dollars for lunch”CSV import
Bring your history
Import past transactions from any bank or finance app with a CSV or spreadsheet.
transactions.csv · 1,284 rows
FAQ
Questions,
answered.
How Money Tracker handles your data, banks, pricing, and the free trial.
Yes. Your transactions are stored in an encrypted database on your iPhone, not on our servers, and your financial data is never sold. If you turn on bank sync, our server keeps an encrypted token that connects your bank, which bank it is, and a random ID for your install, and passes new transactions straight to your phone without storing them. The privacy policy lists exactly what is processed and by whom.
Yes. The app is a free download, and the Free plan covers manual accounts, transactions, budgets, reports, goals, and CSV import and export with no time limit. You only pay if you want automatic bank sync.
No. You can track every account by hand on the Free plan. Sync adds bank sync through Plaid for up to 4 bank connections, and Pro for up to 8. Bank sync currently supports banks in the US.
Sync is $2.99 a month or $24.99 a year. Pro is $4.99 a month or $39.99 a year. Prices are in US dollars and may differ in other App Store and Google Play regions. See pricing for a full comparison.
New Sync and Pro members get a 7-day free trial with bank sync for up to 2 connections. Cancel at least 24 hours before it ends in your Apple ID subscriptions and you won't be charged.
Bank sync uses Plaid, the service behind many US finance apps. You sign in to your bank inside Plaid's secure flow, so Money Tracker never sees your bank password. New transactions are fetched through our server and saved only on your phone. You can disconnect a bank at any time in Settings.
Yes. On iPhone, say “Log twelve dollars for lunch” to Siri. On any phone, use your saved expense templates, or snap a receipt and the amount, date, and merchant are read on your device. New transactions are categorized automatically.
Yes. Import past transactions from a CSV file exported by your bank or another finance app, and export your transactions to CSV whenever you like. Exports can require Face ID, Touch ID, or your fingerprint.
Money Tracker runs on iPhone (iOS 16.4 or later) and Android phones (Android 8.0 or later). There is no web app. Because your data lives on your phone, there is no cloud copy to sign in to elsewhere.
Deleting the app removes the encrypted database from your phone. To also remove linked banks and any server-side records, use Delete Account in Settings first, or contact support.
Less guesswork.
More peace of mind.
Free to download and free for manual tracking. Sync and Pro include a 7-day free trial.