# BeanLedger: Budget & Net Worth — Double-Entry Expense Tracker

> Pocket-sized double-entry bookkeeping and asset management app. (iPhone/iPad app by 琦 黎.)

- Source: https://appshunter.io/ios/app/beanledger-budget-and-net-worth/id6739036460 (this page in markdown: same URL + `.md`)
- Developer: [琦 黎](https://appshunter.io/developer/1778485226)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Rating: 5.00/5 from 2 App Store ratings · 24 written reviews indexed
- Age rating: 4+
- Requires: iOS 17.0 · 51 MB
- Languages: American English, Dutch, French (France), German (Germany), Italian, Japanese, Korean, Malay, Polish, Brazilian Portuguese and 7 more
- Released: 2025-06-09
- Data updated: 2026-08-28
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/beanledger-budget-and-net-worth/id6739036460/reviews.md

## What is BeanLedger?

BeanLedger — Personal Finance, Refined

BeanLedger brings expense tracking, budgets, net worth, and multi-currency accounts together with streamlined double-entry bookkeeping. No BeanLedger account and no ads: financial records stay on your devices and sync through your iCloud.

With BeanLedger Pro, build custom metrics from income, expenses, classifications, and transaction categories, then review the result by month, year, or any date range.

[On Your Apple Watch]
Add a transaction from your wrist in seconds — no phone needed. Watch widgets and complications keep today and this month's Net Income visible on every watch face.

[Budgets, Goals & Planning]
Organize every transaction in a clean calendar view. Set monthly or yearly category budgets, track account, net worth, and debt goals, and stay ahead with recurring transaction plans, built-in To-Do lists, and optional alerts when limits are crossed or milestones are reached.

[Powerful Visualizations]
Understand your financial health at a glance with well-calibrated charts:
• Asset Sankey Diagram to see how money flows between your accounts
• Asset K-line trend to watch net worth grow over time
• Income vs. expense comparisons and category breakdowns
• Financial Recap to turn any month or year into a shareable money story
• Investment Return Calendar to see gains and losses month by month and year by year
• Drill down from the big picture to every single entry

[Home Screen & Lock Screen Widgets]
A full set of widgets that bring your finances out of the app:
• Account balances and asset overview at a glance
• Daily, monthly, and yearly income-vs-expense summaries and trends
• Recent transactions, this month's category breakdown, and a day-of-month heatmap
• Upcoming plans and one-tap Quick Add — capture a transaction without opening BeanLedger

[Multi-Currency & Advanced Tracking]
• Native multi-currency accounts with up-to-date rates
• Track refunds against the original transactions
• Pin the location of each transaction and revisit your spending on a map
• A powerful, flexible transaction filter to find anything in seconds

[Privacy First]
BeanLedger does not require an account or use a proprietary backend for your financial records. Records stay local and sync through your iCloud. Exchange-rate lookup uses public services with a built-in offline fallback.

[Peace of Mind]
• Automatic backups you can restore anytime
• Seamless migration from BeanLedger v2
• Available in 17 languages with in-app switching

[Other Highlights]
• No sign-in — open the app and start right away
• Ad-free, with a one-time purchase or subscription for premium features
• Quick capture everywhere: Home Screen Quick Actions, Control Center widgets, and Siri shortcuts

---

>> BeanLedger Pro Introduction
Unlock BeanLedger Pro to access all premium features and receive free updates for all future software upgrades.

If you choose to subscribe to the membership, your subscription will automatically renew through your iTunes account after purchase confirmation and payment. Your Apple iTunes account will be charged within 24 hours before the expiration of the current period. Upon successful payment, the subscription period will extend for another billing cycle.
To cancel the renewal, please manually disable auto-renewal in your iTunes or Apple account settings at least 24 hours before the current subscription period ends. Cancellation of this service is at your own discretion. If you choose not to cancel, the renewal service for the next billing cycle will be activated automatically.

User Agreement: https://my.feishu.cn/wiki/INLGw3WtQiNyO1kOPWXcG2WEnQc
Privacy Policy: https://my.feishu.cn/wiki/RCTPwbGY6iIpdmkP4AUcWpFYn0b

## Key features

- Double-entry bookkeeping
- Local data storage & iCloud sync
- Calendar view with recurring transactions
- Powerful financial charts & visualizations
- Home screen & lock screen widgets
- Multi-currency support
- Apple Watch transaction entry

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Monthly Subscription | $0.99 | per month |
| Annual Subscription | $6.99 | per year |
| Weekly Subscription | $0.99 | per 7 days |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Lifetime Access | $14.99 | one-time |


## Recent user reviews (10 of 24)

All indexed reviews: https://appshunter.io/ios/app/beanledger-budget-and-net-worth/id6739036460/reviews.md

### 5/5 — 软件超乎想象

*2026-08-07*

里面有多币种管理，还能关联股票，并且还能统计大额交易，使用非常方便，每个钱包都能分类！！！好评！

**Developer response:** 谢谢你的喜欢和支持！❤️

### 4/5 — 流畅度

*2026-08-05*

每次打开app，点击账户，会卡在原始数据一会，再跳到现在的数据，卡顿

**Developer response:** 你好！我们致力于解决任何流畅度和性能问题，欢迎通过邮件和录屏反馈更具体的症状信息，如方便同时请附上系统版本信息以及是否使用第三方输入法。我们会第一时间检查具体是何问题。谢谢！
2026.08.05 二次编辑回复：
账户余额是根据历史所有交易聚合计算得来从底层保证账目数据的正确性，打开账户页面存在一个计算的短暂间隙，会看到余额数字的跳动。在此基础上我们会尽可能优化页面的启动速度。谢谢你的理解！

### 4/5 — 流畅度

*2026-06-08*

流畅度不太好，写文字备注跳动，卡。不流畅

**Developer response:** 你好！我们致力于解决任何流畅度和性能问题，欢迎通过邮件和录屏反馈更具体的症状信息，如方便同时请附上系统版本信息以及是否使用第三方输入法。我们会第一时间检查具体是何问题。谢谢！

### 5/5 — 好！

*2026-05-17*

用下来最舒服、美观、简洁的记账app，功能齐全强大，用户反馈处理及时，找不出不使用它的理由。

**Developer response:** 谢谢支持！❤️

### 5/5 — 很强大

*2026-04-26*

试过很多款记账APP，只有这款是同时满足多币种多账户+多币种收入及消费记账的，解决我的需求，谢谢！

**Developer response:** 谢谢你的喜欢和支持！
多币种功能预计将在v3.1得到进一步提升，在兼容现有使用方式的前提下，敬请期待！❤️

### 5/5 — 一定更新最新版！比其他app好用，功能也很全，界面更好看！

*2026-04-25*

用了很多软件，这个最舒服，有问题反馈都会处理和排期的，强烈推荐试用！

**Developer response:** 谢谢你的支持！有问题欢迎随时反馈，也会继续持续努力迭代优化下去～ ❤️🫰

### 5/5 — The accounting philosophy and methodology behind the app are excellent

*2026-03-09*

l've been tracking my finances for more than a decade, and this is the first budgeting app that truly excites me.

The accounting philosophy and methodology behind the app are excellent, and the Ul design is beautiful and well thought out. It almost perfectly solves many pain points I've had over the years.

What I especially appreciate:

• Support for abstract accounts and multi-currency bookkeeping
• A well-designed and complete transfer logic between accounts
• Fast and convenient entry for everyday expenses
• At the same time, it handles the complex needs of investment tracking without becoming bloated
• Powerful and flexible statistics across multiple dimensions
It strikes a rare balance: simple enough for daily expense tracking, yet powerful enough for serious financial management. Truly impressive.

**Developer response:** Heartfelt thanks for your love, support, and detailed and valuable feedback on BeanLedger, which has given me great motivation to continue working hard to make it even better! ❤️

### 5/5 — 记账app特别多，这个app

*2026-01-11*

记账app太多了，我认为beanledger是最优秀的，不仅记账，还有图表形象化展示，数据分析等功能

**Developer response:** 谢谢支持！❤️ 会继续努力迭代优化～ 💪🏻

### 5/5 — 导入

*2025-12-06*

通过截图识别生成记录有可能实现吗

**Developer response:** 谢谢支持！在研究计划之中，但要能做得体验足够好才行，识别准确率高且比手动输入更快。因为没有自建后端，可能会需要借助 iOS 26 系统提供的大模型接口，国行还不支持也是一个问题。后续会持续关注和研究如何更好实现。再次谢谢你的支持！🫰

### 1/5 — 全网最卡记账软件 难怪评分这么低

*2025-11-20*

适用了非常多记账软件，没有一个软件能卡成这样，我是苹果16pm；除了有统计功能稍微清晰点，不管是功能、AI、自动记账没有一个能实现，一个小小的记账软件连这么高的处理器都带不流畅它，作者还说系统架构，数据庞大，我看是技术不到位，知道有问题不解决。奉劝后面想花钱买的友友就别了，市面上随便找个软件都比这个好。

**Developer response:** 一星评论后更新：

谢谢批评！你说的都挺有道理但我应该没有说过数据庞大的原因，数据量因用户而异但手动记账的能产生的数据量基本都不会太多。
目前卡顿的本质原因在于，技术选型选择苹果官方的数据框架 SwiftData 能如此不成熟和不灵活，以至于我需要不断的在保证数据向后兼容的前提下踩坑填坑。同时由于没有后端，所有的数据统计都是在页面显示时在用户本地侧实时计算的，这本身当然需要界面设计、交互和性能之间的巧妙设计和平衡，不是说简简单单一两天说优化就能优化好的事情。当然，我依然会持续迭代优化这个我自己每天也在使用的 App。
巧的是我目前日常也是用 16 Pro，我自我感觉用最新的 iOS 26.1 之后卡顿和发热情况已经相比于 iOS 26.0 已大大改善，在一行代码未改的情况下。所以系统对原生效果优化到哪种程度也是一个方面。
关于部分用户期待的功能缺失问题，实际上目前的功能已经大部分满足了我自身的账本需求，这已经达到了我最开始做这个 App 的目标。至于所谓其他快捷功能对我设计这个 App 的初衷而言并不本质，我会更多的从对投资有用的角度来考虑和设计新功能，而不是把它当作一个普通的记账软件，那样的软件市面上确实有已经做得很棒的了。
如果这个软件不适合你尽管卸载，但依然谢谢你这段时间的支持、评测和批评！🙏

——

全自动记账很难有特别好又不遗漏的用户体验，银行和平台不会开放数据接口。只能尽量做一些快捷记账支持，比如用快捷方式、截图识别、语音记账、小组件记账、AI 文本记账等等，这些方式都在考虑之中，有些功能会借助新 iOS26 系统的底层支持来逐步尝试实现。谢谢你的支持！❤️

## Frequently asked questions about BeanLedger

### What is BeanLedger's primary function?

BeanLedger is a personal finance app that provides double-entry bookkeeping, asset management, and financial tracking. It allows users to monitor their income, expenses, and net worth through various charts and visualizations.

### How does BeanLedger handle user data and privacy?

BeanLedger prioritizes privacy by storing all data locally on your devices and syncing exclusively through your own iCloud. There is no backend server, ensuring your financial information remains private and under your control.

### What are the subscription options for BeanLedger Pro?

BeanLedger Pro offers a monthly subscription for $0.99/month with a 3-day free trial, a weekly subscription for $0.99/week, and an annual subscription for $6.99/year with a 1-year free trial. Subscriptions automatically renew unless cancelled.

### Does BeanLedger have ads?

No, BeanLedger is ad-free. The app is free to use with optional premium features available through a one-time purchase or subscription.

### On which devices can I use BeanLedger?

BeanLedger is available for iPhone and iPad. It also offers features for Apple Watch, including transaction entry and widget complications.

### How often is BeanLedger updated?

The latest version of BeanLedger is 3.0.6, last updated on May 19, 2026. The app is rebuilt from the ground up for v3, indicating significant ongoing development and stability improvements.

### Can I track finances in different currencies with BeanLedger?

Yes, BeanLedger supports native multi-currency accounts with up-to-date exchange rates. This allows for comprehensive tracking of financial activities across various currencies.

### What kind of financial visualizations does BeanLedger offer?

BeanLedger provides powerful visualizations including an Asset Sankey Diagram for money flow, an Asset K-line trend for net worth growth, and income vs. expense comparisons with category breakdowns.

## Version history (last 5 releases)

### 3.3.0 — 2026-08-27

Thanks for using BeanLedger!

Version 3.3.0 adds more flexible reports and improves date selection, amount precision, and the Home experience.

• BeanLedger Pro now includes Custom Metrics: combine Total Income, Total Expenses, Net Income, income and expense classifications, and Transaction categories with addition or subtraction, then view results and calculation details by month, year, or custom date range.
• Improved report date-range selection, with clearer layouts for Custom Metrics and Transaction Category Statistics across different screen widths.
• Fixed the precision of negative cash-account warnings so alerts no longer appear when a balance rounds to zero at the currency's precision.
• Improved the Home date strip's launch position: the current date now starts centered, reducing unnecessary scrolling and jumping.

Enjoying BeanLedger? We'd love your rating!

### 3.2.5 — 2026-08-18

Thanks for using BeanLedger!

Version 3.2.5 adds data migration and improves widgets, category selection, and app responsiveness.

• Added Import from Another App, with CSV templates, validation, safe merging, and duplicate skipping.
• Reorganized Data Backup & Import to clearly separate migration, full backup restoration, and Beancount export.
• Fixed stale data in iPhone and Apple Watch widgets, with better refreshes at period changes and when returning to the Watch app.
• Category selection now jumps to the current choice.
• Improved responsiveness on Home and Accounts, with less loading flicker.

Enjoying BeanLedger? We'd love your rating!

### 3.2.4 — 2026-07-26

Thanks for using BeanLedger!

Version 3.2.4 adds custom date ranges to Category Statistics, improves Automatic Backup, reports, and widgets, and fixes filtering, Apple Watch display, and background stability issues.

• Added custom date ranges to Category Statistics, so you can choose any start and end dates to view, drill into, and export the period you need.
• Improved Automatic Backup status and reliability: Settings now clearly shows whether it is on and when the latest backup ran, while pending backups stop correctly after BeanLedger Pro access changes, the feature is turned off, or a task is cancelled.
• Clarified Beancount export guidance, including the difference between saving and sharing, what the .bean file does and does not contain, and when to use a full backup for restoration.
• Fixed an issue where changing categories for one transaction type could unexpectedly change other transaction type selections.
• Improved monthly and yearly Home Screen widgets so that when only an income target or an expense budget is configured, the unset side is still shown clearly.
• Fixed Apple Watch complications that could appear blank, with clearer text, colors, and privacy behavior across watch face rendering modes.
• Completed localization for period options in Financial Recap and several reports, with better display in compact layouts.
• Improved stability when the app moves to the background, reducing crashes during iCloud sync or automatic backup and safely resuming pending backups on return.

Enjoying BeanLedger? We'd love your rating!

### 3.2.3 — 2026-07-14

Thanks for using BeanLedger!

Version 3.2.3 brings more flexible export, sorting, goals and budgets, more reassuring automatic backups, and a range of performance, visual, and stability improvements.

• Added Beancount .bean export and sharing, so accounts, transaction categories, currencies, opening balances, and confirmed transactions can move into compatible accounting workflows.
• Expanded Goals & Budgets: statistical categories can have income targets or spending budgets, and you can now set overall income and net income targets plus an overall spending budget, with monthly or yearly tracking and alerts.
• Accounts now offers multiple sorting options by balance, display currency, name, or creation date, plus drag-and-drop manual ordering.
• Added management for batch-generated items: view, edit, or delete transactions and to-dos by batch, or delete an entire batch at once.
• Automatic Backup now defaults on for BeanLedger Pro users and saves to BeanLedger iCloud Drive first; enabled state and retention sync across devices, while Settings shows backup status and the latest backup time.
• Monthly and yearly Home Screen widgets now show overall cash-flow target and budget progress; Apple Watch adds a circular monthly expense budget complication and monthly net income target progress.
• Improved the layout and readability of grouped transaction lists, Goals & Budgets section headings, and report bar charts.
• Optimized calculations and refreshes across reports, Settings, classification management, multi-currency selection, and several widgets for smoother use with larger ledgers.
• Fixed black images when exporting or sharing some statistical reports, and a possible bookkeeping heatmap crash when a future date was selected.
• Updated built-in fallback exchange rates to keep multi-currency conversions current when offline or the network is unavailable.

Enjoying BeanLedger? We'd love your rating!

### 3.2.2 — 2026-06-29

Thanks for using BeanLedger!

Version 3.2.2 continues polishing transaction entry, Accounts, Home, and sync so everyday tracking feels smoother and steadier.

• Quick category chips can now open an edit menu directly, so adjusting favorite categories takes fewer steps.
• Home calendar, income/expense summaries, transaction plans, and To-Do lists refresh more smoothly, especially with larger ledgers.
• Transaction search and account transaction lists respond faster, with less stutter while filtering or returning to the app.
• Accounts summaries and investment APY display are more stable, and balance adjustments open faster with the current balance ready.
• Saves after creating, editing, or deleting accounts, transactions, categories, plans, currencies, events, and goals are more reliable when the app moves to the background.
• Apple Watch and widget refreshes are steadier, with fewer unnecessary full-page updates when you return to BeanLedger.
• The new-entry screen no longer uses a global left/right swipe gesture, making form input and tab switching more predictable.
• Updated the built-in exchange-rate snapshot for fresher offline multi-currency fallback values.

Enjoying BeanLedger? We'd love your rating!

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## Related topics

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*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 2026-08-28.*