# Budget & Subscriptions Kirum — Expense Tracker, No Bank Login

> Private expense tracker with fast logging, Apple Pay, and subscription management. (iPhone/iPad app by Jerome Sasan Bieler.)

- Source: https://appshunter.io/ios/app/budget-and-subscriptions-kirum/id6756943009 (this page in markdown: same URL + `.md`)
- Developer: [Jerome Sasan Bieler](https://appshunter.io/developer/1863828755)
- Category: Finance, Lifestyle
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 18.6 · 56 MB
- Languages: German (Germany), Danish, American English, Finnish, French (France), Greek, Indonesian, Italian, Japanese, Korean and 14 more
- Released: 2026-03-14
- Data updated: 2026-10-11
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/budget-and-subscriptions-kirum/id6756943009/reviews.md

## What is Budget & Subscriptions Kirum?

Income and expenses - the tracker you'll actually keep using. Each logged in under 10 seconds - no bank login, no account, no one selling your data.

MOST TRACKERS FAIL IN WEEK ONE
Not this one. The coffee, the taxi, the spontaneous lunch - each logged in under 10 seconds, straight from your Lock Screen, Control Center or the Action Button. Amount, title, category, done. Optional reminders keep the habit on track. Fast enough that you actually keep doing it, which is the only way tracking ever sticks.

NOT JUST EXPENSES. INCOME TOO.
Kirum now captures what comes in - salary, investments, gifts and more, with their own categories and just as fast as an expense. Everything in one place, so you see what comes in, what goes out, and what's left.

PAY WITH APPLE PAY. SKIP THE TYPING.
Buy something with Apple Pay and Kirum records the amount, merchant, and currency for you. The expense is logged before you've put your phone away.

SEE THE PATTERN, NOT JUST THE TOTAL
Category breakdowns by week, month or year, for expenses and income alike. Kirum surfaces the categories quietly creeping up - the slow drift a bank statement will never point out. Search and filter your full history to find any entry in seconds.

SUBSCRIPTIONS AND STEADY INCOME, IN ONE PLACE
Kirum keeps every subscription and fixed cost in plain sight, so the small monthly charges stop adding up in the dark - and steady income like your salary belongs here too. If you want, Kirum reminds you before the next charge.

SPEND ABROAD WITHOUT THE MATH
Pay in over 60 currencies and Kirum converts each expense back to your home currency. Whether you travel often, live abroad, or just buy from overseas - Kirum keeps track for you.

PRIVATE BY DESIGN, NOT BY PROMISE
Other apps ask you to trust them. Kirum removes the need. No account. No bank connections. No Kirum servers. No ad tracking, no data brokers, no profiling. Your expenses and income live on your device and sync through your private iCloud - never through anyone else's hands.

SWITCHING TAKES MINUTES
Already tracking somewhere else? Import your full history with CSV and pick up where you left off - synced across your iPhone and iPad.

Log your first expense. See what comes in, what goes out, and what's left.

## Key features

- Quick expense logging
- Apple Pay integration
- Category spending analysis
- Subscription management
- Multi-currency support
- Private data storage
- CSV import

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Kirum Premium Yearly Plan | $11.99 | per year |
| Kirum Premium Monthly Plan | $2.99 | per month |


## Is Budget & Subscriptions Kirum safe?

Not enough ratings yet to assess Budget & Subscriptions Kirum.

## Is Budget & Subscriptions Kirum legit?

Budget & Subscriptions Kirum has limited verification signals. The AppsHunter Legitimacy Score for Budget & Subscriptions Kirum is 58 out of 100 points across 7 verification signals from App Store and developer data.

## Recent user reviews (5 of 5)

All indexed reviews: https://appshunter.io/ios/app/budget-and-subscriptions-kirum/id6756943009/reviews.md

### 5/5 — とても使いやすい！

*2026-09-10*

家計簿、お小遣いアプリはいくつか試しましたが続かず。こちらは入力が簡単、UIもシンプル。広告や冗長なデザインの無駄なノイズにさらされる負担がなく、アプリを開くのが苦になりません。
口座連携などもなくプライバシーも守られることを考えると無料アプリよりこちらを選ぶ理由は多いにあると思いました。

**Developer response:** Thank you so much for the kind review! It really means a lot to us. Keeping Kirum simple, private and free from unnecessary distractions is exactly what we’re aiming for. We’re very happy to hear that it works for you! 

If you ever have any suggestions or feedback, we’d love to hear from you anytime through the feedback option in the app.


Best wishes from Germany
Jerome

### 5/5 — Eine tolle App!

*2026-07-29*

Die Bedienung ist sehr intuitiv und einfach. Einmal alle Fixkosten und Gehalt eintragen, dann hat man immer im Blick, wie viel Geld man noch zur Verfügung hat. Toll finde ich vor allem, dass man sieht, wie viel Geld man noch bis zum nächsten Gehalt ausgeben kann. 

Da Apple Pay Zahlungen automatisch erfasst werden, muss man auch nicht später (= also nie) überlegen, was man ausgegeben hat. So bleibt man automatisch am Ball.

Eine super App, die ich jedem weiterempfehlen kann.

**Developer response:** Vielen Dank für das nette Feedback! Wenn Du noch Wünsche hast, schreib uns gerne jederzeit eine E-Mail.


Beste Grüße 
Jerome

### 5/5 — Sehr intuitiver Expense Tracker

*2026-05-22*

Sehr coole App! Habe nach so einem Tool gesucht, um schnell händisch meine monatlichen Ausgaben zu tracken. Andere Apps sehen entweder etwas outdated aus oder man muss Zugriff auf seine Daten geben… das ist hier aber super gelöst!

**Developer response:** Vielen Dank für das nette Feedback! Freut mich sehr, dass Dir die Idee von Kirum gefällt!

Beste Grüße 
Jerome

### 5/5 — Bestes Haushaltsbuch

*2026-05-11*

Ich bin schon lange auf der Suche nach der perfekten Haushaltsbuch-App. Kirum vereint, was keine andere App schafft: Privatsphäre, absolut nices Design und eine direkte Verbindung mit Apple-Pay. Bin super happy und kann nur empfehlen

**Developer response:** Hallo! Es freut uns, dass Dir die App so gefällt! Viel Spaß damit weiterhin!

Beste Grüße 
Jerome

### 5/5 — Begeistert!

*2026-04-06*

Eine tolle und sehr übersichtliche App, um meine Ausgaben zu tracken. Ich habe genau so etwas gesucht, um ein Haushaltsbuch zu führen, ohne meine Bankdaten angeben zu müssen. Fünf Sterne!

**Developer response:** Vielen Dank für das Feedback und weiterhin viel Spaß mit der App!

Beste Grüße 
Jerome

## Frequently asked questions about Budget & Subscriptions Kirum

### How fast can I log an expense with Kirum?

Kirum is designed for speed, allowing you to log expenses in under 10 seconds. You can even log them directly from your Lock Screen or Control Center for maximum efficiency.

### Does Kirum require a bank login?

No, Kirum does not require any bank logins or account creation. Your financial data is stored privately on your device and synced via iCloud, ensuring no third-party access.

### How does Kirum handle subscriptions?

Kirum helps you keep track of all your recurring subscriptions and fixed costs in one place. It can also provide reminders before your next payment is due.

### Can Kirum help me track spending when I travel?

Yes, Kirum supports over 60 currencies and automatically converts your expenses back to your home currency, making it easy to track spending abroad.

### What are the subscription options for Kirum?

Kirum offers a monthly plan at $2.99 and a yearly plan at $11.99. Both plans include a 14-day free trial.

### Is my financial data safe with Kirum?

Kirum is private by design. Your expenses live on your device and sync through your private iCloud, with no account, bank connections, or Kirum servers involved.

### Can I import my past expenses into Kirum?

Yes, Kirum allows you to import your full history using a CSV file, making it easy to switch from another tracking app and continue where you left off.

### What devices does Kirum support?

Currently, Kirum is supported on iPhone and iPad, with data syncing across both devices via iCloud.

## Version history (last 5 releases)

### 1.6.2 — 2026-10-08

History has a fresh look. Search and filters now sit at the bottom, right where your thumb is, and the total stays in view as you scroll.

Also in this release:
• Saving is quicker: the entry screen closes the moment you tap Done, and a small confirmation pops up
• Room for bigger amounts in a single entry
• Smoother typing and calmer motion when you add an entry

Thanks for tracking with Kirum. If it helps you stay on top of things, a quick review means a lot.

Jerome

### 1.6.1 — 2026-09-14

In this release:
• Stability improvements and bug fixes

Thanks for tracking with Kirum. If it helps you stay on top of things, a quick review means a lot.

Jerome

### 1.6 — 2026-09-08

Paycheck mode now shows how your balance has actually moved since payday, day by day, alongside the spending pace you're on track for.

Also in this release:
• The calendar moved to History - switch between list and calendar, and tap any day to see everything you spent and earned
• The Home card now switches between 7 days, this week, 30 days and this month
• Apple Pay purchases are ready to capture the moment you're back
• Redesigned tab bar, plus new daily and monthly reminder rules

Thanks for tracking with Kirum. If it helps you stay on top of things, a quick review means a lot.

Jerome

### 1.5.6 — 2026-08-17

Insights now has a Ledger Calendar - your whole month on one grid, with the net for every single day at a glance.

Also in this release:
• Tap any day to see everything you spent and earned
• Recurring charges stand out right on the grid
• Kirum now speaks Ukrainian
• Small fixes and polish throughout

Thanks for tracking with Kirum. If it helps you stay on top of things, a quick review means a lot.

Jerome

### 1.5.5 — 2026-08-05

No more mental math on holiday. Type an amount in a foreign currency and Kirum shows what it costs in yours, right there in the moment.

Also in this release:
• On Home and in History, foreign-currency entries now lead with your own currency
• A countdown to your next payday in Insights
• Stability improvements and bug fixes

Thanks for tracking with Kirum. If it helps you stay on top of things, a quick review means a lot.

Jerome

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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 2026-10-11.*