# Ctrl Xpenses: Budget & Cards — Spending, debt & net worth

> Spending, debt & net worth (iPhone/iPad app by JUAN CONRADO A DE LAROSA.)

- Source: https://appshunter.io/ios/app/ctrl-xpenses-budget-and-cards/id6798405768 (this page in markdown: same URL + `.md`)
- Developer: [JUAN CONRADO A DE LAROSA](https://appshunter.io/developer/6798405771)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 17.0 · 30 MB
- Languages: American English, Brazilian Portuguese, European Spanish
- Released: 2026-08-16
- Data updated: 2026-09-17
- User reviews in markdown: https://appshunter.io/ios/app/ctrl-xpenses-budget-and-cards/id6798405768/reviews.md

## What is Ctrl Xpenses?

Know what you can spend, what is due this statement, and when you could become debt-free—without linking a bank.

Ctrl Xpenses brings budgets, spending, credit cards, debt payoff, goals, investments, and net worth into one private app that works without an account.

CREDIT CARDS WITHOUT SURPRISES

• Track cards, limits, and purchases.
• Follow installment progress, such as payment 3 of 12.
• See statement periods, due dates, and estimated totals.
• Get reminders so you can prepare for upcoming payments.

BUILD A DEBT PAYOFF PLAN

• Compare snowball and avalanche strategies.
• Simulate extra monthly payments.
• Estimate payoff dates and interest.
• Choose a plan you can maintain.

PLAN YOUR MONTH

• Set category budgets.
• Identify recurring expenses and subscriptions.
• Check what remains before you spend.
• Understand where your money goes.

TURN GOALS INTO PROGRESS

• Create goals and record contributions.
• Follow your financial health and next steps.
• Bring assets, debts, and investments together to see your net worth.
• Work across currencies when needed.

PRIVATE BY DESIGN

• Your financial entries are stored locally.
• No account or bank connection is required.
• Protect access with biometrics.
• Export and back up your data.
• No ads or advertising tracking.

START FREE

Record transactions and try essential tools at no cost. Ctrl Xpenses Pro raises limits and unlocks advanced features through a monthly plan, annual plan, or lifetime purchase. The annual plan may include a free trial when shown on the purchase screen.

Simulations are informational estimates and are not financial advice. Some features require connectivity, device support, or a Pro purchase.

TERMS OF USE (EULA)
https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Ctrl Xpenses Pro Mensual | $2.99 | per month |
| Ctrl Xpenses Pro Anual | $16.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Ctrl Xpenses Pro de por vida | $49.99 | one-time |



## Version history (last 3 releases)

### 1.9.0 — 2026-09-10

• Plan payments and budgets for upcoming months.
• New payment schedule and debt payoff simulator.
• Improvements to accounts, budgets, Dashboard, and stability.
• Fixes for available credit, installments, and widget ordering.

### 1.5.0 — 2026-09-01

• New widgets in every size, including Lock Screen widgets.
• Travel Mode with Dynamic Island and Live Activities.
• New Ctrl Xpenses Assistant with text and voice.
• Quick actions to log transactions.
• Design and performance improvements, plus bug fixes.

### 1.0.0 — 2026-08-16

No release notes.

## Apps similar to Ctrl Xpenses

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Notch: Expense Tracker](https://appshunter.io/ios/app/notch-expense-tracker/id6782374102) | — | Free | Finance |
| [MiLana](https://appshunter.io/ios/app/milana/id6775968951) | — | $2.99 | Finance |
| [Penny Pilot: Expense Tracker](https://appshunter.io/ios/app/penny-pilot-expense-tracker/id6792482120) | 5.0 (1) | Free | Finance |
| [Nimbus: Personal Finance](https://appshunter.io/ios/app/nimbus-personal-finance/id6759807991) | — | Free | Finance |
| [Budget & Expense - SnapCents](https://appshunter.io/ios/app/budget-and-expense-snapcents/id6761669127) | 5.0 (4) | Free | Finance |
| [SpendWidget: Expense Tracker](https://appshunter.io/ios/app/spendwidget-expense-tracker/id6757985671) | 5.0 (4) | Free | Finance |

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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 2026-09-17.*