# Budgetary: Expense Tracker — Budget, split bills & loans > Private, manual expense tracker for budgeting, bill splitting, and loan management. (iPhone/iPad app by Vishvanath Eshwer.) - Source: https://appshunter.io/ios/app/budgetary-expense-tracker/id6775797740 (this page in markdown: same URL + `.md`) - Developer: [Vishvanath Eshwer](https://appshunter.io/developer/6775797742) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 5.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 18.6 · 41 MB - Languages: American English, Dutch, French (France), German (Germany), Hindi, Italian, Japanese, Korean, Brazilian Portuguese, Chinese (Simplified, China) and 2 more - Released: 2026-09-09 - Data updated: 2026-10-03 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/budgetary-expense-tracker/id6775797740/reviews.md ## What is Budgetary? Budgetary is a private, manual-first money tracker. Log spending yourself, budget by category, split bills with friends, track loans with real EMI math and save toward goals — all stored on your phone, never linked to your bank. Track, budget, split, settle. No bank login. No automatic imports. No ads, no tracking. Every entry is yours, made in seconds with a keypad calculator, tags, line items, receipts and unlimited categories. TRACK EVERY RUPEE, DOLLAR AND EURO • Home shows income, expenses and net cashflow for any day, week or month • Wallet, card, bank and app accounts as manual containers with live balances • Unlimited categories and subcategories with their own icon and colour • Tags, line items and attachments (photos and documents) on any transaction • Multi-currency: 40 currencies, live or manual exchange rates, one display currency • Recurring income and expenses, daily to yearly, held in a Pending Approvals queue so nothing posts without you • Due Soon card for bills due today, tomorrow or in the next few days BUDGETS THAT KEEP PACE • Per-category caps for weekly, monthly, yearly or custom periods • Live progress, on-track or behind indicator and a month-end projection SPLIT BILLS, SETTLE SIMPLY • Split any expense equally or by custom shares across your contacts • Per-person balances, payment history and simplified settle-up that reduces who-owes-who to the fewest payments • Import people from your address book. Splits stay local — your friends don't need the app LOANS WITH REAL EMI MATH • EMI loans in the Debts tab: full amortisation schedule, interest accrual, record each payment, close when it's paid • Manual loans and IOUs: money you've lent or borrowed, with optional reminders SAVE AND PLAN • Savings goals with a target, optional deadline, progress ring and what you need per day, week or month • Projects: budget a trip or any plan with its own limit and dates, then settle the whole thing • Sheet view: spreadsheet-style entry with text, number, date and formula columns 21 FINANCE CALCULATORS BUILT IN Free: EMI, Simple and Compound Interest, FD, RD, SIP, Savings Goal, GST, VAT, Split with tip, Inflation, Emergency Fund, Home Affordability. Plus: Debt Payoff, Early Payoff, Step-up SIP, SWP, FIRE, Rent vs Buy, Debt vs Invest, Retirement Stress Test. PRIVATE BY DESIGN • Your ledger lives in an on-device database and is never sent to our servers • No bank linking, no account aggregation, no ad tracking, no usage analytics • Local .bdg backup to Files (optionally password-protected) and CSV export • Optional Cloud Backup (Plus) is end-to-end encrypted on your phone before upload — we never hold the key 12 LANGUAGES English, Hindi, Tamil, Spanish, Portuguese, German, French, Italian, Dutch, Japanese, Korean and Chinese. BUDGETARY PLUS Budgetary is free to use with unlimited transactions, categories and history. Plus unlocks: • Insights — monthly Recap, spending forecast, trends, net worth, cash-flow diagram, budget health score, merchant and subscription analytics • End-to-end encrypted Cloud Backup • Unlimited accounts, budgets, projects, recurring rules, savings goals and EMI loans • 8 advanced calculators, custom date ranges, whole-project settle-up, all-scope CSV export, push reminders and live exchange rates Budgetary Plus is an optional auto-renewable subscription, offered monthly or yearly. Payment is charged to your Apple Account at confirmation of purchase. It renews automatically unless you cancel at least 24 hours before the end of the current period; your account is charged for renewal within 24 hours before the period ends. Manage or cancel any time in Settings → Apple Account → Subscriptions. Prices are shown in the app in your local currency. Terms of Service: https://budgetary.in/terms-of-service Privacy Policy: https://budgetary.in/privacy-policy Sign in with Apple, Google or your phone number to get started. Engineered by Vynnter. ## Key features - Manual expense logging - Category-based budgeting - Bill splitting and settlement - Loan tracking with EMI math - Savings goal planning - Multi-currency support - 21 built-in finance calculators ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Budgetary | $2.49 | per month | | Budgetary | $22.49 | per year | ## Frequently asked questions about Budgetary ### How does Budgetary handle security? Budgetary is designed with privacy in mind. Your financial data is stored locally on your device in an on-device database and is never sent to servers. Optional cloud backups are end-to-end encrypted before upload. ### Does Budgetary have ads? No, Budgetary is ad-free. The app explicitly states 'No ads, no tracking' in its description, ensuring an uninterrupted user experience. ### What are the pricing details for Budgetary? Budgetary is free to use with unlimited transactions, categories, and history. A 'Budgetary Plus' subscription unlocks additional features like advanced insights and forecasts. ### What devices does Budgetary support? Based on the provided data, Budgetary is currently supported on iPhones. It is listed under 'supportedDevices' as 'iphone'. ### How often is Budgetary updated? The app was last updated on 2026-09-10, indicating recent development activity. The latest version is 1.0, released on 2026-09-09. ### What are the main benefits of Budgetary Plus? Budgetary Plus unlocks advanced features such as monthly recaps, spending forecasts, trend analysis, net worth tracking, cash-flow diagrams, and budget health scores, providing deeper financial insights. ### Can I export my data from Budgetary? Yes, you can export your data from Budgetary. The app offers local .bdg backups and CSV export options, allowing you to save your financial records. ### What is the age rating for Budgetary? Budgetary has an age rating of 4+. This indicates it is suitable for users of all ages, with no mature content. ## Version history (last 2 releases) ### 1.1 — 2026-09-16 • Reset Cloud Backup if you've lost your passphrase and recovery code • Google sign-in now works reliably • Quicker, smoother code verification when signing in • General stability improvements. ### 1.0 — 2026-09-10 No release notes. ## Apps similar to Budgetary | App | Rating | Price | Category | | --- | --- | --- | --- | | [Vespil: Bill Reminder](https://appshunter.io/ios/app/vespil-bill-reminder/id6803812371) | — | Free | Finance | | [MoneyTalk: Budget & Expenses](https://appshunter.io/ios/app/moneytalk-budget-and-expenses/id6778995811) | — | Free | Finance | | [DebtTracker: IOU & Loan Log](https://appshunter.io/ios/app/debttracker-iou-and-loan-log/id6763397835) | — | Free | Finance | | [BillTo - Bills Manager](https://appshunter.io/ios/app/billto-bills-manager/id6740537095) | — | Free | Finance | | [PiggyPulse](https://appshunter.io/ios/app/piggypulse/id6761050079) | — | Free | Finance | | [8udget: Budget Finance Tracker](https://appshunter.io/ios/app/8udget-budget-finance-tracker/id6503930426) | — | 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 2026-10-03.*