# Cetus : Dex V2 — Private offline money tracker

> Private offline money tracker (iPhone/iPad app by Maraff Qabuna.)

- Source: https://appshunter.io/ios/app/cetus-dex-v2/id6812848488 (this page in markdown: same URL + `.md`)
- Developer: [Maraff Qabuna](https://appshunter.io/developer/6812848490)
- Category: Finance, Business
- Price: Free
- Age rating: 4+
- Requires: iOS 17.0 · 4 MB
- Languages: American English, French (France), German (Germany), European Spanish
- Released: 2026-09-21
- Data updated: 2026-10-02
- User reviews in markdown: https://appshunter.io/ios/app/cetus-dex-v2/id6812848488/reviews.md

## What is Cetus?

Cetus is a complete personal finance tracker that runs on your device. No account, no sign-up, no bank connection. Your financial data is encrypted on your iPhone and iPad and is never uploaded.

EVERYTHING IN ONE PLACE
• Accounts for checking, savings, cash, credit cards, investments and loans, with balances, credit limits and utilisation
• Income, expenses and transfers with merchant, category, tags, notes and photo receipts
• Net worth tracked over time, split into assets and liabilities
• Custom categories and subcategories with your own colours and icons

BUDGETS THAT KEEP UP
• Weekly, monthly or yearly budgets across any set of categories
• Per-category monthly limits with live progress
• Recurring bills, subscriptions and income on daily to yearly schedules, with a monthly-equivalent total
• A financial calendar of what is coming up

GOALS AND DEBTS
• Savings goals with target amounts, target dates and planned monthly contributions
• An estimate of how many months each goal will take at your current rate
• Debt tracking for credit cards, mortgages, student, auto and personal loans
• APR, minimum payment, monthly interest and an estimated payoff horizon

REPORTS AND INSIGHTS
• Income versus expenses over 3, 6 or 12 months
• Spending by category, top merchants and month-over-month comparisons
• A financial health score out of 100, built from your savings rate, net worth, emergency buffer, debt load and budget adherence
• Automatic insights that flag rising spending, a strong savings rate or budgets running over

PRIVATE BY DESIGN
• All data encrypted at rest with AES-GCM, with the key held in the iOS Keychain
• App Lock using Face ID, Touch ID or your device passcode
• Privacy Mode hides every amount at a glance
• Export your data to a portable backup file and restore it on any device
• Erase everything from the device in a single step

MADE FOR iPHONE AND iPAD
• Built with SwiftUI and Swift Charts
• Dark-first monochrome design with selectable accent colours, plus light and system themes
• Eight currencies: USD, EUR, GBP, CHF, CAD, JPY, AUD and CNY

Cetus does not connect to your bank, does not ask for personal details and contains no advertising or tracking.


## Version history (last 2 releases)

### 1.1 — 2026-09-30

This update focuses on reliability and fixes:
• Your data is now protected against being lost during app updates.
• App Lock can no longer lock you out if your device passcode changes.
• Recurring bills: paused items stay visible, resuming no longer adds missed charges, and month-end dates stay accurate.
• Budgets, goals, debts and recurring items can now be edited.
• Deleting an account asks for confirmation and offers to archive instead.
• Net worth now includes your debts, and transfers are shown correctly.
• Amounts like "1,500.00" or "12,50" are read correctly.
• Changing currency lets you convert existing amounts.
• Clearing sample data keeps everything you added yourself.
• Privacy Mode now also hides amounts in charts.
• Many other small fixes and improvements.

### 1.0 — 2026-09-21

No release notes.

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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 2026-10-02.*