# Defter: Personal Ledger — Cash flow, cards & rewards

> Cash flow, cards & rewards (iPhone/iPad app by Mediterra AI LLC.)

- Source: https://appshunter.io/ios/app/defter-personal-ledger/id6778228890 (this page in markdown: same URL + `.md`)
- Developer: [Mediterra AI LLC](https://appshunter.io/developer/1894972531)
- Category: Finance, Business
- Price: Free
- Age rating: 4+
- Requires: iOS 17.0 · 32 MB
- Languages: American English
- Released: 2026-07-01
- Data updated: 2026-07-05
- User reviews in markdown: https://appshunter.io/ios/app/defter-personal-ledger/id6778228890/reviews.md

## What is Defter?

**Defter** (Turkish for "notebook") keeps your financial life on one calm, beautiful page — and opens like one.

**Free, forever:**
 • Track cards and accounts manually — balances, statements, due dates
 • Apple Card, Apple Cash & Savings sync, fully on-device
 • Best-card picker: know which card earns the most before you swipe
 • Custom reward rules + benefits — tiered earn rates, sign-up bonuses, and perks like companion fares, tracked toward their spend thresholds
 • Favorite, reorder, and sort your cards however you think about them
 • Statement cycles, payment-due calendar, and smart reminders
 • Cash flow, net worth history, monthly forecast, missed-rewards insights
 • Separate ledgers for personal and business — switch with a tap
 • An on-device AI assistant that answers questions about *your* numbers
 • Home-screen widgets, Live Activities, and Spotlight search

**Defter Pro** adds direct bank connections, so balances and transactions stream in on their own:
 • Plus — 3 banks
 • Pro — 10 banks
 • Ultra — unlimited banks

One connection covers every card at that bank. Everything else in Defter stays free — Pro only meters direct connections.

**Private by design.** Your transactions live on your iPhone, not our servers. Bank connections are read-only, powered by Teller. Location is used only when you tap "Best card here" and is immediately discarded. No ads, no tracking, no selling data — ever.

Subscriptions renew automatically until cancelled in App Store settings. Terms: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/


## Version history (last 1 release)

### 1.0 — 2026-07-01

No release notes.

## More apps by Mediterra AI LLC

- [Bilal - Adhan & Qibla](https://appshunter.io/ios/app/bilal-adhan-and-qibla/id6778334838)

All apps by Mediterra AI LLC: https://appshunter.io/developer/1894972531

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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 2026-07-05.*