# Bilanco Budget Manager — Debt, Asset and Budget Manager

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

- Source: https://appshunter.io/ios/app/bilanco-budget-manager/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 15.1 · 34 MB
- Languages: American English
- Released: 2026-05-08
- Data updated: 2026-07-27
- User reviews in markdown: https://appshunter.io/ios/app/bilanco-budget-manager/id6761782312/reviews.md

## What is Bilanco Budget Manager?

Take complete control of your financial life!

Bilanco is more than just a debt tracking app – it's the smart assistant on your journey to financial freedom. Plan your debt relief, see your income and expenses, and track the value of your assets in real time.

WHY Bilanco?

Real Debt Projection: See not only today, but also the future! How does the tiered interest rate work on your credit card? When will your personal loan be paid off? How much has your gold debt increased compared to the market price? Learn all this with clear figures.

Smart Simulation Engine: Get the answer to the question "If I pay 5,000 TL this month, when will it be paid off?" in seconds. Compare different payment scenarios and determine the smartest strategy.

Comprehensive Debt Management

Credit Card: Graduated interest, minimum payment
Personal Loan: Annuity installment plan, remaining payment view
Cash Debt: Individual tracking, term/demand options
Precious Metals: Instant exchange rate effect on gold/silver debts
Foreign Currency & Crypto: USD, EUR, Bitcoin, Ethereum and more

Smart Payment Planning

Automatically create your monthly payment calendar
See ​​how much you need to pay on which day
Minimum payment and interest amounts are automatically calculated
Payment day reminders with notifications
Income & Expense Control

20+ ready-made categories (rent, groceries, transportation, entertainment...)
Regular payments: Weekly, bi-weekly, monthly repetition
Monthly budget tracking and deviation analysis
Income-expense balance graph

Asset Portfolio

Gold: Separation of quarter, half, and full gold
Silver: Gram-based tracking
Foreign Currency: 27 different currencies
Crypto: Bitcoin, Ethereum, USDT, and popular coins
Valuation with real-time market prices
Net worth calculation: Assets - Liabilities = Your financial strength

Live Market Data

Gold: Gram, quarter, half, full
Silver: Gram basis
Currency: USD, EUR, GBP, JPY, and 23+ more
Crypto: Bitcoin, Ethereum, BNB, ADA, DOGE...
Track price movements with charts
Automatic currency update

Visual Reports

Monthly Financial Summary: Your status at a glance
Debt Progress Line: How close are you to your goal? Net Worth Trend: Are you getting richer?

Financial Calendar

Daily income, expenses, and debt due dates
Daily remaining balance projection
Color-coded category separation
Filterable view

SECURITY & PRIVACY

Face ID / Touch ID biometric login

End-to-end encryption

Works offline - your privacy is 100% guaranteed

No data loss with automatic backup

USER EXPERIENCE

Modern and Clean Interface: No cluttered menus, everything at a touch
Dark & ​​Light Theme: Choose the mode that suits your eyes
Turkish & English: Fully localized experience
Google Login: Quick setup, get started instantly

WHO SHOULD USE IT?

Those who want to reduce credit card debt

Those who optimize personal loan payments

Gold and foreign exchange investors

Crypto portfolio owners

Those who want to balance income and expenses

Those who want to gain financial awareness

Those preparing for a debt-free future

Note: Market data is for informational purposes only. Evaluate your investment decisions with professional advisors.


## Version history (last 5 releases)

### 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.

### 1.0.9 — 2026-05-13

Automatic payment settings added.
Notifications bug fixed.
Introduction added.
Excel data export option 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 2026-07-27.*