# Actual Budget Spendıng Tracker — Smart Spending & Money Manager > Personal finance tracker for budgeting, expense management, and savings goals. (iPhone/iPad app by Halim Ozturk.) - Source: https://appshunter.io/ios/app/actual-budget-spendng-tracker/id6747974396 (this page in markdown: same URL + `.md`) - Developer: [Halim Ozturk](https://appshunter.io/developer/912121993) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 4.50/5 from 84 App Store ratings · 21 written reviews indexed - Age rating: 4+ - Requires: iOS 18.0 · 27 MB - Languages: French (France), German (Germany), American English, Chinese (Simplified, China), Chinese (Traditional, Taiwan), Korean, Danish, European Spanish, Italian, Japanese and 6 more - Released: 2026-01-12 - Data updated: 2026-08-26 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/actual-budget-spendng-tracker/id6747974396/reviews.md ## What is Actual Budget Spendıng Tracker? Actual Budget is a calm and modern money manager that helps you understand what you can safely spend, stay ahead of bills, and build better financial habits without stress. Track expenses, income, savings, debt, cash flow, and net worth in one clean app built for iPhone and iPad. Safe to Spend See how much you can safely spend today or this week after bills and essentials. Actual Budget gives you a clearer view of your real budget before you spend. Expense and Income Tracking Add one-time or recurring expenses and income in seconds. Organize everything with categories, edit quickly with swipe actions, and review your money with search, filters, and clear totals. Savings Goals Create savings goals, track deposits and withdrawals, and follow your progress visually. You can also send part of your income directly to savings goals automatically. Bills, Alerts, and Notifications Get bill reminders before due dates, budget alerts at 75, 90, and 100 percent, savings milestone notifications at 25, 50, 75, and 100 percent, and optional weekly summaries. Cash Flow, Debt, and Net Worth Plan ahead with cash flow forecasting, manage debts with smarter payoff guidance, and track assets and liabilities to understand your net worth over time. Widgets and Tips Use 4 home screen widgets for Safe to Spend, recent expenses, upcoming payments, and savings progress. Explore 400 plus practical budget tips to build stronger money habits. Currencies and Devices Use 17 major currencies including USD, EUR, GBP, AUD, CAD, JPY, MXN, BRL, KRW, PLN, DKK, NOK, SEK, TWD, RUB, CNY, and TRY with live exchange rates and offline fallback. Enjoy dark mode, native iPad layouts, keyboard shortcuts, iCloud sync, and easy restore when switching devices. Languages and Privacy The app currently supports English, Spanish, French, German, Portuguese, Dutch, Italian, Korean, Japanese, Polish, Danish, Norwegian Bokmål, Swedish, Chinese Traditional, Russian, and Chinese Simplified with auto-detect. Your data is designed to stay under your control with local storage and iCloud sync, so budgeting stays simple, private, and reliable. Purchase Required Actual Budget is a premium app. A purchase is required to use the app and unlock the full experience, including tracking, planning tools, widgets, and advanced money management features. Terms of Use: https://budgetppdevorbitlabs.netlify.app/terms Privacy Policy: https://budgetppdevorbitlabs.netlify.app/privacy ## Key features - Safe-to-Spend Dashboard - Fast Expense Tracking - Smart Budget Planner - Savings Goals & Progress - Income & Recurring Bills Management - Multi-Currency Support - Private & Secure Data ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Yearly | $34.99 | per year | | Monthly | $7.99 | per month | | Weekly | $7.99 | per 7 days | | Weekly Premium | $3.99 | per 7 days | | Yearly Premium | $24.99 | per year | **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | Lifetime Unlock | $199.99 | one-time | | Life Time Offer | $49.99 | one-time | | Life Time Plan | $69.99 | one-time | ## Recent user reviews (10 of 21) All indexed reviews: https://appshunter.io/ios/app/actual-budget-spendng-tracker/id6747974396/reviews.md ### 1/5 — totally paywalled *2026-08-13* need a subscription for any features **Developer response:** The app is paid, and that is a deliberate choice. There are no ads in it, so it is funded by the people who use it rather than by advertisers. Worth correcting one thing though: a subscription is not required. There is a one time purchase that unlocks everything permanently, and it sits next to the yearly plan on the same screen. What that covers: a weekly Safe to Spend figure, expenses and income, savings goals, recurring bills with alerts, cash flow and debt payoff, four home screen widgets and full iPad layouts. No bank login, and no account with us. ### 1/5 — Serious app bug *2026-08-06* The app freezes completely, and upon closing and rebooting gets stuck on “calculating budget” screen endlessly after attempting to set my “budget stress level”. **Developer response:** You are right, this is a bug. The budget screen could end up waiting on setup data that never arrived, with no timeout and no way out, so it stayed on "Calculating budget" even after a restart. I could not reproduce it here, but that path is gone in 1.6.0: the calculation times out and offers a retry, and the iCloud work behind it no longer blocks the screen. Until it is out, the bottom tab bar still responds, so the other tabs are usable. If it happens again on 1.6.0, email me at halimozturk@windowslive.com with your iPhone model. ### 1/5 — iCloud同步功能无法使用 *2026-08-04* 完全无法使用，我想要同步多个设备之间的账本数据，点了多少次同步都会显示同步成功，实际上根本用不了，结果我把飞行模式打开，Wi-Fi也关掉，再去点同步还是会显示同步成功？？？！ **Developer response:** 您好，谢谢您把问题写得这么具体。 飞行模式那一段帮我们找到了真正的问题。断网之后还显示"同步成功"，说明那个提示根本没有去确认同步有没有完成，它只是在您点击之后过两秒就自己变成成功。提示是错的，您看到的并不是真实状态。这一点我们已经改掉，会随之后的版本一起发布。 同步本身用不了，原因也在我们这边，跟您的设备、Apple ID 或网络都没有关系。从 App Store 下载的版本连接的是 iCloud 的正式环境，而我们在那个环境上缺少同步所需的数据结构，所以请求一直被拒绝。 这个已经在 8 月 5 日修好了，是在服务器上完成的，您不需要更新或者重装。修好之后被拒绝的请求几乎降到零，之前留在设备上的数据也开始上传。您可以在一台设备上新增一笔记录，过几分钟看看另一台上有没有出现，请以这个为准，暂时不要相信那句提示。 我们还在补两件事：持续盯住同步的失败率，以及做一个能看到同步真实状态的页面，这样下次不用等用户来告诉我们。如果两台设备之间还是对不上，请写信到 halimozturk@windowslive.com，告诉我们是哪两台设备、大概什么时候试的，我们接着查。 ### 1/5 — function *2026-07-28* I downloaded it and it froze . I tried redownloading and it froze again. **Developer response:** An app that won't open is worth nothing, and twice in a row isn't bad luck. I'd rather find this than argue about it. Here is where I got to. I put it through repeated clean installs and launches, ran a full test pass over it, and went through the App Store analytics for this app line by line. No freeze on my side, and no crash report from any device. I'm not telling you it didn't happen. I'm telling you the data isn't showing me where it happened, and I don't want to guess at a fix. Going looking did turn up things worth fixing, so they're fixed. The opening screens are lighter now, animation that could drag on older iPhones is gone, and I closed a rare case where the app could end up stuck waiting on itself instead of getting on with its work. The download is also about 25 MB smaller, since a few components it no longer needed were cut out. That work is finished and going out in an update. If you're up for it, the fastest way to close this properly is an email to halimozturk@windowslive.com: which screen it stopped on (the welcome screen, one of the setup questions, or the main screen after that), your iPhone model, and a screenshot if you can grab one. Send that and I'll get straight on it and do everything I can to sort it out quickly. ### 1/5 — Functional Yes, useful? No. *2026-07-19* Considering there are no good linking tools, ability to track your expenses digitally and requires literal man hours to even make viable. Recommend spending the time doing your expenses in something more viable, even an excel spreadsheet with enough know how can be more useful. **Developer response:** Fair, and thanks for putting it plainly. If getting anything useful out of the app means typing in every purchase by hand, that's a real cost, and you're right to weigh it. The linking part is a deliberate choice on our side, not a missing piece. Connecting to your accounts means handing a bank login to a third-party service and letting your whole transaction history leave your phone. We decided we didn't want to sit in the middle of that. Your data stays on your device and in your own iCloud, and we never ask for a bank login. That choice only earns its keep if the manual side is quick, so here's what already runs on its own: fixed costs like rent, subscriptions, insurance and loan payments are entered once as recurring transactions, and after that the app posts each one for you every period. Bill reminders clear the rest in a tap. A spreadsheet, however well built, won't do that part for you. What's left is the day-to-day variable spending, and that's the piece your review is really about. Making that piece faster is what we're building now, in large part because of feedback like yours: bulk import from a bank statement or spreadsheet file, one-tap quick entry, and automatic category suggestions. If you write in and tell us which format your bank exports (CSV, OFX, QFX and so on), we'll make sure it's on the list. ### 2/5 — No Expense Sync *2026-07-17* Stupid app. If I need to upload every expense manually, I'd rather use a free spreadsheet **Developer response:** Thanks for being blunt. The manual entry part is a fair hit and it deserves a real answer. We don't connect to bank accounts, and that's a decision rather than something we forgot. Bank sync means handing your banking login to a third-party aggregator and letting your whole transaction history leave your phone. We'd rather not be in that position. Your entries stay on your device and in your own private iCloud, not on our servers, and we never ask for a bank login. That said, typing in everything isn't how this is meant to work either. Your fixed costs (rent, subscriptions, insurance, loan payments) get entered once as recurring transactions, and after that the app posts them for you every period on its own. Bill reminders let you settle the rest in a tap. For most people that's the bulk of a month handled without typing. What's actually missing is a fast way to bring in the rest, and you named it. Bulk import from a statement or spreadsheet file, one-tap quick entry, and automatic category suggestions are on our roadmap now because of this review. If you write in and tell us which file format your bank exports, we'll make sure that one is covered. ### 5/5 — Support *2026-05-28* The app developer’s support is extremely fast and helpful. **Developer response:** Thank you for your feedback! We believe great support is just as important as great features, and we're always here to help when needed. We truly appreciate your kind words. ### 1/5 — Not Actual Budget *2026-05-19* This is not the free software Actual Budget. They appear to have stolen their name and are charging money. **Developer response:** You're probably thinking of actualbudget.org, the open source, self hosted project. This is a separate app, built independently, and it isn't connected to that project or run by the same people. If that's the one you wanted, this isn't it, and that's worth knowing before you spend time here. What this app is: a private budgeting app for iPhone and iPad. You set a weekly Safe to Spend number, log income and expenses, track savings goals and recurring bills, and everything syncs through your own iCloud instead of a server we run. No bank logins, no account with us. It's free to download and try. Anything paid shows its price up front before you decide, and downloading on its own never costs anything. If you give it a run and something's missing for the way you budget, tell us from Settings, Help and Contact. We read those. ### 4/5 — Very good app only a couple steps short of perfection. *2026-05-18* I am honestly thinking of dropping an other big-name budgeting app in favor of this one. I can see the direction it’s going and can see the promise it holds. There’s a few smaller items that can use some work, but the “big-picture” items are all excellent, making this an easy go-to for me, right now. My honest rating would be 4.5/5, but we can’t submit half-ratings. **Developer response:** Thank you so much for the thoughtful review. Comments like this genuinely mean a lot to us, especially coming from someone with experience using other budgeting apps. We’re continuously refining the smaller details while staying focused on building a budgeting experience that feels simple, modern, and genuinely useful long-term. If there’s ever a feature, improvement, or workflow you’d personally like to see, please feel free to reach out through our support email anytime. We read every message and are always happy to hear feedback from users who care deeply about the product. Thanks again for giving the app a chance and being part of the journey. ### 5/5 — Au top *2026-05-12* Un ami utilise l’appli qui est vraiment top. Je l ai téléchargée et il y eu des bugs mais en fait j ai une version iOS pas assez récente. Le développeur que je ai contacté m a répondu (ce qui est rare) très rapidement et m a très bien conseillée. Merci encore et dès que je change d iPhone j utiliserai l appli. **Developer response:** Bonjour, Merci beaucoup pour ce retour si positif et sincère. Nous développons Actual Budget en continu afin de rendre le suivi du budget plus clair, plus fiable et plus agréable au quotidien. L’application est optimisée pour iOS 18 et les versions ultérieures afin d’offrir de meilleures performances et une expérience plus stable. Chaque retour utilisateur est très précieux pour nous : il nous aide à améliorer l’application et à offrir une assistance rapide et attentive lorsque c’est nécessaire. Nous serons ravis de vous retrouver sur un appareil compatible. Merci encore pour votre soutien et votre confiance. ## Frequently asked questions about Actual Budget Spendıng Tracker ### What is Actual Budget? Actual Budget is a personal finance app designed to help users manage their money effortlessly. It offers features for tracking spending, creating budgets, and setting savings goals, all within a user-friendly interface. ### Is Actual Budget free to use? The app offers a free version with core features for tracking expenses and managing basic budgets. Premium features, such as unlimited tracking and advanced insights, require a subscription. ### What are the subscription options for Actual Budget? Actual Budget offers several subscription plans, including weekly and yearly options, with prices ranging from $3.99 to $39.99. Many plans include a 7-day free trial. ### How secure is my financial data with Actual Budget? Actual Budget prioritizes user privacy and security. Your data is stored exclusively on your device and iCloud™, and the app never shares or sells your financial information. Face/Touch ID protection is also included. ### Does Actual Budget have ads? No, Actual Budget does not contain advertisements. The app is designed to provide a clean and uninterrupted user experience. ### What devices does Actual Budget support? Actual Budget is available for iPhone and iPad, making it accessible for Apple users to manage their finances on the go. ### How often is Actual Budget updated? The app was last updated on March 22, 2026, indicating ongoing development and support. Users can expect regular updates to enhance features and ensure stability. ### What makes Actual Budget different from other budgeting apps? Actual Budget emphasizes a calm, human-centered approach to money management, aiming to make budgeting enjoyable and stress-free. Its elegant interface and focus on real-time spending clarity set it apart. ## Version history (last 5 releases) ### 1.6.1 — 2026-08-25 What's New on Actual Budget: Reliability work — and one change you will notice. We moved the request to rate the app. It no longer appears while you are still setting things up. It now appears only after the app has actually done something useful for you, and you can dismiss it without leaving what you were doing. This update also adds new internal diagnostics that help us catch slowdowns and crashes much faster, so real fixes reach you sooner. Two of the busiest screens were rebuilt to fit far more on one screen, and restoring a previous purchase is now a proper button that tells you what happened. What you will notice: - Restore Purchases is now a clear, separate button that confirms the result - Expenses and Income show far more at once, with search a single tap away - Amounts are formatted correctly for currencies that do not use decimals - The app reaches its first screen faster - Fixed text that could appear untranslated in some languages - Expenses added with Siri or Shortcuts appear straight away in a list you already have open - Widgets refresh when the app starts, not only when you come back to it - Removing a duplicate category no longer leaves its expenses without one Under the hood: - The rating request was removed from onboarding entirely - Smoother progress bars throughout setup and in the widgets - New internal diagnostics that show us where the app slows down or stops responding - More complete reporting when something goes wrong, so the real cause is found sooner Thank you for using Actual Budget! Your feedback shapes every update we ship. ### 1.6.0 — 2026-08-10 What's New on Actual Budget: Adding an expense is now the fastest part of your day. We rebuilt manual entry around one idea: you should be able to log a purchase in a couple of taps, or without opening the app at all. **Faster expense entry:** - The title field suggests what you have entered before, so recurring purchases are one tap - Amount shortcuts built from your own spending history, in your own currency - Duplicate an existing expense by swiping or long-pressing it, dated to today and ready to save - The category is now suggested automatically from what you type, and it learns from your corrections. It works in every language the app supports, and it never overrides a category you picked yourself **Add expenses with Siri:** - Say "Add an expense to Actual Budget" and record it with the app closed. Siri asks for the amount and what it was for, and can take a category and a date - Available in the Shortcuts app with no setup, and it speaks your language **iCloud sync:** - Syncing between your iPhone and iPad is more reliable - The sync status is more accurate: it confirms with iCloud before showing Synced, and lets you know when your device is offline, so you are never left guessing **Stability:** - Fixed a case where the app could stay on the "Calculating budget" screen; if the calculation cannot finish, you now get a Retry button instead of an endless spinner - Faster, lighter launch for accounts with a lot of history - Additional stability improvements throughout the app Thank you for using Actual Budget! Your feedback shapes every update we ship. ### 1.5.4 — 2026-08-03 What's New on Actual Budget: Faster to open, lighter to install. We went after the parts of the app that made it feel slow, and fixed the bugs we found while we were in there. **Performance:** - The opening screens are lighter and no longer run constant background animations, so you reach your budget faster - Long lists and category names appear noticeably quicker throughout the app - The download is about 25 MB smaller after removing components the app no longer used **Bug Fixes:** - Fixed a rare case where the app could stop responding while updating your recurring income and expenses - Fixed a related issue that could create duplicate entries for a single recurring payment - Additional stability improvements throughout the app Thank you for using Actual Budget! Your feedback shapes every update we ship. ### 1.5.3 — 2026-07-28 What's New on Actual Budget: Smoother under the hood. This update is all about the parts you never see. We refined how the app starts up and runs, and fixed the issues we found along the way. **Performance:** - Behind-the-scenes refinements to how Actual Budget starts up and runs day to day **Bug Fixes:** - Fixed an issue that could cause the app to close unexpectedly right after launch - Fixed a problem in how notifications were handled - Additional stability improvements throughout the app Thank you for using Actual Budget! Your feedback shapes every update we ship. ### 1.5.2 — 2026-07-03 What's New on Actual Budget: Built for everyone. This update brings full VoiceOver support to the heart of your budgeting experience. Your Safe to Spend dashboard, expenses, savings goals, and every home screen widget now speak clearly — balances and amounts are announced in your language and currency, progress bars read out exactly how much you've spent, and every button and icon describes what it does. Whether you're watching your budget or listening to it, tracking your money is now smoother, clearer, and more confident than ever. Accessibility isn't an extra for us — it's how a great finance app should feel. Thank you for being part of the journey; more thoughtful improvements are on the way. ## Apps similar to Actual Budget Spendıng Tracker | App | Rating | Price | Category | | --- | --- | --- | --- | | [Money Manager: expense, budget](https://appshunter.io/ios/app/money-manager-expense-budget/id1632230854) | 5.0 (2) | Free | Finance | | [Liquid Budget](https://appshunter.io/ios/app/liquid-budget/id6745098482) | 5.0 (27) | Free | Finance | | [Budget Tracker - Finance Finly](https://appshunter.io/ios/app/budget-tracker-finance-finly/id6747941491) | — | Free | Finance | | [Expenses: Spending Tracker](https://appshunter.io/ios/app/expenses-spending-tracker/id6751433922) | 5.0 (1) | Free | Finance | | [Skwad: Privacy-First Budgeting](https://appshunter.io/ios/app/skwad-privacy-first-budgeting/id6736993814) | 4.3 (12) | Free | Finance | | [Budget Planner App - Zero](https://appshunter.io/ios/app/budget-planner-app-zero/id6749040657) | 3.9 (179) | Free | Finance | ## More apps by Halim Ozturk - [Cars Parking Simulator](https://appshunter.io/ios/app/cars-parking-simulator/id1173812088) - [Car Driving School Car Games](https://appshunter.io/ios/app/car-driving-school-car-games/id1624702181) - [BondAlchemy Ai Astrology Coach](https://appshunter.io/ios/app/bondalchemy-ai-astrology-coach/id6756376847) - [Ai Recorder Transcribe Notes](https://appshunter.io/ios/app/ai-recorder-transcribe-notes/id6757300457) - [Broomly: Swipe Photo Cleaner](https://appshunter.io/ios/app/broomly-swipe-photo-cleaner/id6758855039) All apps by Halim Ozturk: https://appshunter.io/developer/912121993 ## Related topics [actual budget](https://appshunter.io/ios/topics/actual-budget) · [ahorro budget](https://appshunter.io/ios/topics/ahorro-budget) · [actually save](https://appshunter.io/ios/topics/actually-save) · [ahorro gastos](https://appshunter.io/ios/topics/ahorro-gastos) · [control de gastos recibos](https://appshunter.io/ios/topics/control-de-gastos-recibos) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-26.*