Defter: Personal Ledger
Cash flow, cards & rewards
About
Manage your finances with a beautiful, on-device ledger. Track cards, accounts, and rewards, with optional bank connections for automatic updates. Offers insights into cash flow and net worth, with a focus on privacy.
What's New in Defter
1.0.1
October 4, 2026
• Connect your banks and cards securely through Plaid. • Best card here now finds places near you first. • Charge cards like Amex Platinum no longer count toward utilization. • A refreshed look across the app. • Your transaction names and categories now stay put after each sync. • The app lock now covers every screen until you unlock.
MoreDeveloper apps
FAQ
What is Defter's core functionality?
Defter provides a personal ledger to track cards, accounts, and due dates. It offers features like a best-card picker, custom reward tracking, and smart reminders for payments. The app focuses on a private, on-device experience for managing financial information.
How does Defter handle bank connections?
Defter Pro offers optional direct bank connections to automatically sync balances and transactions. There are tiered plans: Plus for 3 banks, Pro for 10 banks, and Ultra for unlimited banks. All other features remain free, with Pro focusing solely on the bank connection aspect.
Is Defter free to use?
Yes, Defter is free forever for its core features, including manual tracking of cards and accounts, Apple Card sync, and reward management. The 'Defter Pro' tiers are for users who want to utilize the direct bank connection feature.
What are the privacy features of Defter?
Defter is designed with privacy as a priority. Your financial transactions are stored on your iPhone, not on their servers. Bank connections are read-only and powered by Teller, and location data is only used temporarily when selecting a card for a specific location and is then discarded.
Does Defter have ads?
No, Defter is ad-free. The developers explicitly state that there are no ads, no tracking, and no selling of user data.
How often is Defter updated?
Defter was last updated on October 4, 2026, with version 1.0.1. This indicates a recent update, suggesting ongoing development and maintenance.
What devices does Defter support?
Defter is currently supported on iPhone. It also features home-screen widgets and Live Activities, enhancing its integration with the iOS ecosystem.
What is the age rating for Defter?
Defter has an age rating of 4+. This indicates it is suitable for users of all ages, with no mature content concerns.
