# Coin — Personal Money OS — Know your money > Know your money (iPhone/iPad app by Vadym Maherko.) - Source: https://appshunter.io/ios/app/coin-personal-money-os/id6800630804 (this page in markdown: same URL + `.md`) - Developer: [Vadym Maherko](https://appshunter.io/developer/6800615603) - Category: Finance - Price: Free - Age rating: 4+ - Requires: iOS 15.0 · 4 MB - Languages: American English - Released: 2026-08-19 - Data updated: 2026-10-12 ## What is Coin? Coin is a personal money app built around one question: how much can I actually spend right now? Not your bank balance — your Safe to Spend number. It's your money minus what's already spoken for: rent, subscriptions, upcoming bills, savings goals. One honest number, with a full breakdown so it never feels like a black box. WHAT YOU GET Safe to Spend See exactly what's yours to spend today — and tap to see exactly why, line by line. Money Timeline Your income and expenses as a living history, not a spreadsheet. Grouped by day, with daily totals that actually make sense. Money Spaces Give your money purpose without opening new bank accounts. Set aside for rent, an emergency fund, or a trip — all virtual, all instant, nothing physically moves. Goals Save toward something real. Every goal shows your pace and an honest completion estimate. Future Money See your projected balance over the next 30, 60, or 90 days, built from your actual recurring bills and income — not vague predictions. Money Health A transparent 0–100 score built from four visible factors: savings rate, emergency reserve, fixed costs, and commitment coverage. No hidden math, no judgment — just clarity. Fast entry Add an expense in about two seconds: type the amount, tap a category. Your most-used categories come first, Coin learns your merchants, and it all works offline. BUILT FOR HOW YOU ACTUALLY LIVE - Multiple accounts and currencies — cash, cards, savings, business - Personal and business money in one place, one tap to switch - Full English and Ukrainian support YOUR DATA STAYS YOURS Coin runs entirely on your device. No account required, no server, no tracking, no ads. Export everything as JSON anytime, or erase it all in one tap. Cloud sync is opt-in and coming later — never required. Coin isn't a spreadsheet and it isn't a budgeting chore. It's the fastest way to actually know where you stand. ## Is Coin safe? Not enough ratings yet to assess Coin. ## Is Coin legit? Coin — Personal Money OS has limited verification signals. The AppsHunter Legitimacy Score for Coin is 58 out of 100 points across 7 verification signals from App Store and developer data. ## Version history (last 5 releases) ### 1.2.0 — 2026-10-09 New: Apple Watch • Safe to Spend and today's ring on your wrist, plus a complication for your watch face. • Log your usual purchases with one tap. Faster adding • Add opens on the number pad: type the amount, tap a category — done. A note is optional. • Your most-used categories come first, and Undo is one tap away. Plan and decide • "When could I buy it?" — the day your plan allows a purchase. • Wish list, goal templates, and leftover money moved to a goal. • Money calendar with upcoming bills and paydays. • Subscriptions with free-trial reminders. • Debts with friends, split a bill, and a debt payoff plan. • Travel mode: spend in the local currency, see it in yours. Understand your money • Price lens: what a purchase costs in hours of work. • Habit calculator: what a habit costs over a year. • Weekly digest and your money portrait. • Mark impulse buys. • Scan receipts and price tags — read on your phone, never uploaded. Also • A one-tap widget for the Home Screen. • A new first screen, livelier motion, and the keyboard no longer covers sheets. ### 1.1.0 — 2026-10-07 Coin 1.1 — the biggest update yet. • A fresh design: a calmer Home with one clear number, and tidier settings. • Scan a receipt: take a photo and it becomes an expense. The text is read on your phone; nothing is uploaded. • Pay yourself first: send a share of every income straight into a goal. • Goal reached: a small celebration and a card to share. • Privacy mode: hide every amount with one tap. • Your profile: a name and an e-mail, kept only on your device. • Smarter limits: Coin suggests what to limit, based on your last 30 days. • Widgets: Safe to Spend and today's share on your Lock Screen and Home Screen. • Dynamic Island: a live ring with what's left for today (turn it on in You → Widgets & Siri). • Siri: "How much can I spend in Coin?" and "Log an expense in Coin". • Ask Coin: questions in plain words — "how much did I spend on coffee in August?" • Autopilot: round every expense up into a goal, and let the bills you trust confirm themselves on their day. • Paste a bank message into Quick Add and it becomes a transaction. • Money map: where the month's money went, as one flow. • Money stories: your month and your year as shareable cards. • Time machine on Worth, a spending heatmap on Activity, and net-worth history with what changed it. • Safe to Spend can now reserve what must last until your next payday; a today's-share ring on Home. • Can I afford it?, what-if forecasts, insights, and Money Health with a trend. • Splits and refunds, credit cards and loans, planned payments, Money Spaces, smarter search. • App lock with Face ID, optional daily NBU exchange rates, accessibility and haptics. ### 1.0.4 — 2026-09-08 Smarter categorization for everyday spending — Coin now recognizes far more merchants, including Ukrainian ones (groceries, coffee, taxis, pharmacies, and more), so more of your transactions get filed correctly the first time. Money Health is more accurate: the score no longer bottoms out right before payday. It now looks at your recent months, and shows "not enough data yet" instead of a low score when you haven't logged any income. Small fixes and polish. ### 1.0.3 — 2026-09-01 New: manual balance correction, daily expense reminders, monthly money review, custom categories, and automatic on-device backups. Onboarding now always starts empty — no more example data option. Various fixes and improvements. ### 1.0 — 2026-08-19 No release notes. ## Apps similar to Coin | App | Rating | Price | Category | | --- | --- | --- | --- | | [Trackle - Manage Subscriptions](https://appshunter.io/ios/app/trackle-manage-subscriptions/id6762465344) | — | Free | Finance | | [Money & Expense Tracker: Lichy](https://appshunter.io/ios/app/money-and-expense-tracker-lichy/id6773329338) | — | Free | Finance | | [Five Cents: Monthly Budget](https://appshunter.io/ios/app/five-cents-monthly-budget/id1599077337) | 4.6 (41) | Free | Finance | | [Coins - Spending Tracker](https://appshunter.io/ios/app/coins-spending-tracker/id572886919) | 4.6 (661) | Free | Finance | | [ProCredit Bank Ukraine](https://appshunter.io/ios/app/procredit-bank-ukraine/id6738097748) | — | Free | Finance | | [MyFin: expense tracker](https://appshunter.io/ios/app/myfin-expense-tracker/id1616732749) | — | Free | Finance | ## More apps by Vadym Maherko - [CyberVolt: сонячна станція](https://appshunter.io/ios/app/cybervolt/id6815554497) All apps by Vadym Maherko: https://appshunter.io/developer/6800615603 --- *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 2026-10-12.*