Personal finance · quietly done

A money tracker
for the rest of
your ordinary life.

Money Tracker is a calm, beautifully-typeset way to log what you spend, set gentle budgets, and keep wallets in any currency — without the noise of a bank app you don't trust.

4.8★28,400+ ratings
180currencies, offline
$1.99once, no subscription
Groceries on track
62% used · 11 days left
9:41
Wednesday morning
Good morning,
Linh.
Net balance
$4,182.06
+ $312 this week vs. last week
Cafe
Coffee · 08:14
−$3.40
Clothes shopping
Shopping · 09:02
+$28.00
Grab to office
Transport · 09:38
−$4.20
Grocery shopping
Groceries · 19:21
−$42.18
Saved $312
vs. last week
Loved by quiet spenders in 38 countries
“A diary, not a dashboard.” — App Store review “The first finance app I didn’t delete.”
What it does

Just enough finance,
no more than that.

Three habits, gently. Log a transaction in four taps. See where it all went without a spreadsheet. Notice the pattern, then change it.

01 / Log

Add a transaction in four taps.

Amount, category, wallet, done. No banks to connect, no permissions to grant. Works fully offline.

$24
02 / See

Budgets that breathe
with your month.

Set a cap, see the pace. A small nudge when you’re ahead, a clear flag when you’re not.

Food62%
Transport38%
Coffee112%
Home24%
03 / Hold

Wallets in any
currency you live in.

Cash, card, the envelope in the drawer — keep them separate. Convert at today’s rate whenever you ask.

Daily card$1,204.40
Cash · ₫2,840,000
Savings$2,650
Budgets that breathe

Caps that guide,
not punish.

Set a monthly cap for the things that matter. Money Tracker quietly tells you your pace each morning — ahead, on track, or it’s a coffee week.

  • Daily paceSee, at a glance, what today’s safe-to-spend is.
  • Gentle nudgesOne notification a week. Never a guilt-trip.
  • Roll-over budgetsUnspent budget can carry over — or get swept to savings.
November budgets
DAY 18 / 30
Food & groceries $248 / $400
On pace — $51 left this week
Coffee & eating out $168 / $150
Over by $18 — try a no-coffee day?
Transport $58 / $150
Well under — $24 ahead of pace
Home & bills $220 / $900
Rent posts on the 28th
Where it went
LAST 6 MONTHS
Jun
Jul
Aug
Sep
Oct
Nov
Essentials Discretionary Recurring
Reports

A six-month memory
of where it went.

Stacked monthly breakdowns, category trends, and quiet insights — written like a friend, not a finance app. Export anything to CSV when you need to.

  • Monthly trendsCompare any two months side by side.
  • Category breakdownFind the small habits that quietly add up.
  • Export anywhereCSV, PDF, or shared via the system sheet.
Multi-wallet

Cash, card, crypto,
and the envelope
in the drawer.

Money Tracker speaks 180 currencies. Hold them in separate wallets, transfer between them at today’s rate, and never wonder which pocket the bill came from.

  • Unlimited walletsOne per card, currency, person, or purpose.
  • Smart transfersMove money between wallets — the FX is recorded for you.
  • Private by designEverything lives on your phone. iCloud sync is opt-in and encrypted.
Wallets
4 ACTIVE
$
Daily card
USD · default
$1,204.40
Cash · Vietnam
VND · pocket
2,840,000
Travel · EU
EUR · prepaid
€480.00
Savings
USD · no card
$2,650.00
A quiet promise

We don’t sell your data, send you push notifications at dinner,
or make you feel bad about a coffee.

No bank linking
You decide what gets logged. Money Tracker never reads your bank.
No ads. Ever.
No partnerships, no “personalised offers”, no tracking pixels. One small purchase pays for the lights.
Yours, on device
Data is stored locally. Sync only if you choose, and only end-to-end encrypted.
Pricing

One price. Yours for good.

No subscriptions, no tiers, no trials that quietly renew. Pay once, unlock everything, keep it forever.

Frequently asked

Quietly answered.

Does Money Tracker connect to my bank?

No, and that’s on purpose. You decide what gets logged. We never ask for bank credentials, never scrape statements, and never see your money move. Most people find that, after a few days, manually logging takes about thirty seconds — and you remember a lot more about where it went.

Where is my data stored?

On your device, first and foremost. If you turn on iCloud sync, the data is end-to-end encrypted with a key only you hold. We don’t have a server that can read it.

Can I track in multiple currencies?

Yes — Money Tracker supports 180 currencies, including crypto, with mid-market rates refreshed daily. Hold as many as you like, side by side.

Is it really a one-time purchase?

Yes. One payment of $1.99 unlocks the full version forever — every feature, on every device you own, including all future updates. No subscription, no upsells, nothing that quietly renews.

Which devices does it run on?

Money Tracker is on iPhone and iPad today, with a Mac companion in the works. Your data syncs cleanly between them via your own iCloud account.

Ready when you are

Knowing where it went
is half the way to keeping it.

Free to download. Two minutes to set up. The rest is just paying attention.