# Bilanco: Budget & Debt — Debt, Asset and Budget Manager

> Debt, Asset and Budget Manager (iPhone/iPad app by IBRAHIM KARADUMAN.)

- Source: https://appshunter.io/ios/app/bilanco-budget-and-debt/id6761782312 (this page in markdown: same URL + `.md`)
- Developer: [IBRAHIM KARADUMAN](https://appshunter.io/developer/1891432779)
- Category: Finance, Utilities
- Price: Free
- Age rating: 12+
- Requires: iOS 16.4 · 46 MB
- Languages: English
- Released: 2026-05-08
- Data updated: 2026-10-14

## What is Bilanco?

Full control of your financial life, right in your pocket!

Bilanco is not just a debt tracker. Build your plan to get out of debt, see your
income-expense balance, follow the value of your assets in real time.

**WHY Bilanco?**

- Automatic credit card interest and tax calculations
- Gold, silver, foreign currency and crypto integration
- Focused on taxation across 21 countries, 26 currencies supported
- Instant access to local market data

**Real Debt Projection**
How tiered interest works on your credit card, when your loan ends, how much your gold debt
grew at market price — all in clear numbers.

**Smart Simulation Engine**
Answer "if I pay 5,000₺ this month, when does it end?" in seconds. Compare different payment
scenarios.

**Comprehensive Debt Management**
- **Credit Card:** Tiered interest, minimum payment, automatic tax calculation
- **Loan:** Annuity instalment plan, remaining payment view
- **Cash Debt:** Per-person tracking, with or without a due date
- **Precious Metals:** Live rate impact on gold/silver debts
- **Forex & Crypto:** USD, EUR, Bitcoin, Ethereum and more

**Smart Payment Planning**
- Build your monthly payment calendar automatically
- See how much to pay on which day
- Minimum payment and interest amounts calculated automatically
- Payment day reminders via notifications
- Let due payments be marked "paid" automatically

**Works Around Your Payday**
The app builds the month around your payday, not the calendar month. Enter your starting
balance and see your remaining balance day by day.

**Income & Expense Control**
- Ready-made expense categories (rent, groceries, transport, leisure...)
- Recurring payments: weekly, biweekly, monthly
- Monthly budget tracking and variance analysis
- Income-expense balance chart

**Asset Portfolio**
- **Gold:** Quarter, half, full and Republic gold
- **Silver:** Tracked by the gram
- **Forex:** 26 different currencies
- **Crypto:** Bitcoin, Ethereum, USDT and popular coins
- **Term deposit:** Interest accrues daily, reflected in the value instantly
- Valuation at live market prices
- Net worth: Assets − Debts = your financial strength

**Available Balance or Reserve?**
Your gold, foreign currency and term deposits count as "reserve" and stay out of your
spendable balance — "what I own" never gets mixed up with "what I can spend this month".

**Savings Goals**
Set your target amount and date, prioritise them, watch your progress.

**Live Market Data**
- Gold: gram, quarter, half, full
- Silver: by the gram
- Forex: USD, EUR, GBP, JPY and 22 more
- Crypto: Bitcoin, Ethereum, BNB, ADA, DOGE...
- Follow price movements on charts
- Automatic rate updates

**Summary and History**
- Monthly financial summary: your situation at a glance
- Debt progress line: how close are you to your goal?
- Net worth trend: are you getting wealthier?
- Payment history and transaction history: what you did and when

**Financial Calendar**
- Income, expenses and debt due dates, day by day
- Daily remaining balance projection
- Colour-coded categories
- Filterable view

**SECURITY & PRIVACY**
- Biometric lock with Face ID / Touch ID
- Your data is stored encrypted on your device, the server connection is encrypted
- Keep using the app offline — your actions are queued and synced automatically once you
  reconnect
- Your data is tied to your account; just sign in when you change phones

**USER EXPERIENCE**
- Modern, clean interface: no tangled menus, everything one tap away
- Dark & light theme: pick the mode that suits your eyes
- 21 language support
- Sign in with Google: quick setup, start right away
- In-app guide and frequently asked questions

**WHO SHOULD USE IT?**
- Anyone who wants to reduce credit card and loan debt
- Gold, foreign currency and crypto investors
- Anyone who wants to balance income and expenses
- Anyone preparing for a debt-free future

*Note: Market data is for information only. Discuss investment decisions with professional
advisers.*

## Is Bilanco safe?

Not enough ratings yet to assess Bilanco.

## Is Bilanco legit?

Bilanco: Budget & Debt has limited verification signals. The AppsHunter Legitimacy Score for Bilanco is 48 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 5 releases)

### 1.1.5 — 2026-10-02

• New calculation engine: Home, Calendar and Planned Payments show matching numbers
• Period start day, variable expenses/income and credit card statement split added
• Suggested payment on asset debts (gold, forex, crypto) now follows the annual rate change
• Unlimited card minimum payment based on current balance; account deletion is permanent
• Rates for 26 countries/regions, 21 languages, unlimited history
• More consistent UI: sign-in, launch, pop-ups, date/selection wheels; many bug fixes

### 1.1.4 — 2026-07-02

"Server under maintenance" banner error fixed
Initial balance synchronization: backend integration, key discrepancy and crash fixes; focus/sync improvements
Manual payments are now included in the daily balance account
Significant security update with API encryption (Past versions will no longer be supported after 1 week)

### 1.1.3 — 2026-06-20

UI bugs have been fixed and updated.
Starting balance now syncs with accounts.
Suggested payment calculation shown in debt details has been fixed.
Skip this month option added to scheduled payments.
Default language and currency detection added.
Expense notifications now appear on the phone as well as in-app.
Translation errors fixed.
Version number is now visible within the application.
Currency errors fixed.
Scoring system added.

### 1.1.2 — 2026-06-15

Scheduled payments page calculation errors resolved, initial balance and payment calculations integrated. 
Feature to skip selected debt suggestion added. 
UI bugs fixed. 
Introduction screen completely redesigned, more descriptive and understandable. Numerical issues related to transaction history and debt adjustments resolved. 
Excel export now works.

### 1.1.1 — 2026-06-03

Tour bugs fixed 
Debt adjustment page errors fixed
Month indicator added to calendar page 
App notifications updated 
Excel report fix (experimental) 
Keyboard issue fixed 
In-app notification panel fixed
Past payments page added.

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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 2026-10-14.*