# Balory - Budget & Finance — Money Coach & Expense Tracker > Money Coach & Expense Tracker (iPhone/iPad app by Ta Ni Nguyen.) - Source: https://appshunter.io/ios/app/balory-budget-and-finance/id6753020279 (this page in markdown: same URL + `.md`) - Developer: [Ta Ni Nguyen](https://appshunter.io/developer/1842185349) - Category: Finance, Productivity - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 15.1 · 50 MB - Languages: English - Released: 2025-10-23 - Data updated: 2026-06-02 - User reviews in markdown: https://appshunter.io/ios/app/balory-budget-and-finance/id6753020279/reviews.md ## What is Balory? Balory – Your Personal Finance Coach No account. No cloud. No ads. Your data stays exclusively on your device — always private, always secure. Balory analyses your finances across 6 dimensions and calculates your personal Financial Health Score, with concrete coaching tips tailored to your situation. FINANCE COACH Balory analyses your finances across 6 dimensions and calculates your personal Financial Health Score. You get concrete coaching tips tailored to your situation – not to averages. Savings rate, fixed costs, emergency buffer, budget discipline: Balory shows you exactly where you stand and how to improve. FINANCIAL JOURNEY Track your progress on a personal journey with 20 milestones. A monthly review shows how your score evolves over time. DASHBOARD AND ANALYTICS Balance charts, category breakdowns and trend analysis at a glance. Plus: daily budget, monthly and 6-month forecast, and a what-if calculator for financial decisions. SMART INSIGHTS Automatic detection of spending spikes and trends – with financial tips like the 50/30/20 rule, building an emergency fund, or the latte factor effect. WEEKLY REPORT Every Monday: income, expenses, savings rate, comparison to the previous week and top spending – clearly presented. IMPORT BANK STATEMENTS Import OFX, CSV and XLS files from your bank with automatic duplicate detection and smart categorisation. ACCOUNTS AND MULTI-CURRENCY Multiple accounts in different currencies – including transfers and a full balance overview. RECURRING TRANSACTIONS Rules for rent, subscriptions and insurance – never miss a scheduled transaction again. BUDGETS AND SAVINGS GOALS Budget targets per category and savings goals with progress tracking. EXPORT AND BACKUP Export data as Excel or PDF. Full backups without cloud. SECURITY App lock with PIN or biometrics. No unauthorized access possible. Balory is your personal finance companion – offline, secure and ad-free. ## Pricing and in-app purchases Base price: Free. **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | Founders Edition | $5.99 | one-time | ## Version history (last 5 releases) ### 1.3.2 — 2026-05-28 Balory 1.3.2 makes capturing, importing, and backing up your finance data calmer and more reliable. - Receipt photos, bank imports, and backups now use secure system picker flows. - Photo Quick Add is more stable and no longer shows false save errors. - Dashboard cards explain their context more clearly and open the right area faster. - Recurring income is detected and shown more concretely after imports. - Additional improvements for stability, privacy text, backup, restore, and app reset. ### 1.3.1 — 2026-05-20 Balory 1.3.1 brings more clarity and stability to your financial overview. New and improved: Personal and business finances are now separated more clearly in monthly projections and forecasts. Switching between personal and business views is smoother and more stable. Recurring income is detected more reliably and used better in forecasts. Dashboard layouts were improved for smaller screens. Rating Balory, sending feedback, and sharing the app are now easier to access. Several smaller fixes were made across the Dashboard, backup, foundations, and forecasts. Thank you for using Balory and helping us improve the app with your feedback. ### 1.2.1 — 2026-05-07 Version 1.2.1 brings Balory's new coach engine, clearer cashflow guidance, and many improvements based on closed testing. New and improved: - Local coach guidance on the dashboard and main screens - Always-On learning moments and narrative weekly reports - Clearer cashflow logic for immediate, later, and credit-card-related payments - Credit card accounts with statement and payment due dates - Preparation for installment payments - More consistent calculations across dashboard, forecasts, insights, and financial metrics - Improved layout on small smartphone screens - Scrollable help modals and clearer explanations for cashflow cards - More stable account cards with improved badge layout - Fixed language switching for learning-moment and Always-On cards - Better handling of long text in German, English, and Portuguese - Updated Privacy Policy and Terms of Use Several issues were also fixed, including budget amounts with commas, currency handling, backup restore behavior, monthly projections, credit card due dates, and dashboard displays. ### 1.0.43 — 2026-03-30 Your financial coach keeps getting smarter. This update is about accuracy and clarity – because wrong numbers lead to wrong decisions. Breathing Room, redesigned. The calculation now uses your actual spending instead of recurring rules alone. Income is based on your real 3-month average, not a self-declared estimate. The result is a number you can genuinely trust. Negative breathing room is now shown with the correct sign. Annual Projection, consistent. Now uses the same 3-month basis as the cash flow forecast – no more contradictions between two views of the same data. The metric formerly called "Savings rate" is now correctly labeled "Surplus rate", with a built-in explanation of the difference. QuickAssign, cleaned up. Shows only paid transactions, sorted newest first, across all time periods. Inbox stubs no longer appear in the list. Card width and spacing are also corrected. Business vs. Personal accounts. Accounts can now be tagged as Personal or Business. This prevents the transfer detection from incorrectly flagging salary payments between your business and personal account as transfer candidates. Coaching details. The locked insight card now shows a clear message when your monthly free quota is used up. Month labels throughout the app now follow the app language, not the ### 1.0.41 — 2026-03-27 NEW: Intelligent Companion Your coach now knows whether you're new, just imported data, or an experienced user – and guides you accordingly. 5 Foundation steps guide you through: 1. Record income – so forecasts work 2. Make fixed costs visible – the 3 biggest are enough 3. Build categories – understand where your money goes 4. Mark savings account – for an accurate savings rate 5. Set your first budget – as guidance, not punishment Each step appears contextually in the right screen (Recurring Rules, Categories, Accounts, Budgets) – no back-and-forth navigation. The dashboard shows one prioritized recommendation (NextActionBanner): always the single most impactful action right now. New QuickAssign flow in the Me screen for fast categorization. Proactive Insights Structured financial insights in the dashboard: monthly situation, breathing room, emergency buffer countdown, annual projection, month-end pattern, unexpected expenses, and fixed cost drift – each with a micro-explanation tooltip. OFX Import (NEW) Brazilian bank statements can now be imported directly – SGML format (Sicredi, Unicred) and XML. Correct recognition of Brazilian date formats (dd/mm/yyyy) in XLS files. Income-Dependent Scoring The Financial Health Score now accounts for your income level – fairer scoring for everyone. Signals Engine The coach learns: category suggestions after 3 identical assignments, pattern detection, targeted clarification questions. Fixes & Improvements • Forecast: only paid transactions count as spent • G16: false positive income jump alert fixed • Insight guide flow: no raw system identifiers visible • Backup: schema version corrected, restore more reliable • Premium: metallic CTA buttons, reworked Rose Gold & Gold themes ## Apps similar to Balory | App | Rating | Price | Category | | --- | --- | --- | --- | | [Zeux Pay](https://appshunter.io/ios/app/zeux-pay/id6747575805) | — | Free | Finance | | [Savvy: Budget Buddy](https://appshunter.io/ios/app/savvy-budget-buddy/id6754284825) | — | Free | Finance | | [Simple Invoice Pro creator](https://appshunter.io/ios/app/simple-invoice-pro-creator/id6755318192) | — | Free | Finance | | [Invoice maker : invoice app](https://appshunter.io/ios/app/invoice-maker-invoice-app/id6740463259) | — | Free | Finance | | [Budget expenses](https://appshunter.io/ios/app/budget-expenses/id6753315836) | — | Free | Finance | | [SmartWallet - Budget Manager](https://appshunter.io/ios/app/smartwallet-budget-manager/id6743027963) | — | Free | Finance | --- *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 2026-06-02.*