# Effective Expenses — Expense & Income Tracker

> Personal finance tracker for logging income, expenses, and managing accounts. (iPhone/iPad app by Francesco Papagno.)

- Source: https://appshunter.io/ios/app/effective-expenses/id6677000206 (this page in markdown: same URL + `.md`)
- Developer: [Francesco Papagno](https://appshunter.io/developer/1767909079)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 26.0 · 3 MB
- Released: 2025-07-28
- Data updated: 2026-07-28
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/effective-expenses/id6677000206/reviews.md

## What is Effective Expenses?

# Expense & Income Tracking
Whether it's a cup of coffee or your monthly salary, easily log and manage expenses and income in one place.
* Recurring Transactions: Schedule recurring expenses and income so you never miss rent, subscriptions, or payday.
* Upcoming Transactions: See upcoming and scheduled transactions in one dedicated view.
* Built-in Calculator: Do quick math in the amount field when adding or editing a transaction. No app switching!
* Smart Pickers: Create or choose accounts and categories right while adding a transaction. No switching screens.
 
# Apple Wallet Transactions
Automatically import transactions from Apple Wallet with Shortcuts automations.
* Automatically imported: After creating the automation in the Shortcuts app, Apple Wallet transactions will be automatically detected by Expenses.
* You are in control: You'll find them on the home tab and in a dedicated section where you'll be able to categorize them and confirm them.
 
# Accounts & Categories
Organize your finance your way! Create accounts and categories and customize them with colors and emojis.
* Dedicated Views: See all your accounts and categories at a glance, separated for expenses and income, in their own dedicated views.
* Sorting: Sort categories alphabetically, by total spent, or by transaction count.
* Customization: Create new accounts or categories in seconds, with colors and emojis that fit your style.
* Categories Exclusion: Exclude specific categories from analytics for a clearer view of your spending.
 
# Analytics
Get simple and clear insights into where your money goes, across accounts and categories.
* Charts: See easy-to-read charts in the home view and in each account or category.
* Deep Dive: Drill into each account or category to see how your spending changes over time.
* Monthly Overview: See your total expenses and income for each month right from the home view.
 
# Home Screen Widgets
Add widgets to your home screen to check your spending or savings at a glance.
* Customizable: Customize what you see: yearly, monthly or weekly totals.
* Dark Mode: Widgets support dark mode to match your device appearance.
 
# Fast & Intuitive Interface
Use swipe actions and context menus to edit, delete, or set defaults for accounts, categories, and transactions.
* Built-in Calculator: Do quick math in the amount field when adding or editing a transaction. No app switching!
* Smart Pickers: Create or choose accounts and categories right while adding a transaction. No switching screens.
* Unified Search: Search across all your transactions, categories, and accounts quickly and easily from a single screen.
 
# Unified Search
Search across all your transactions, categories, and accounts quickly and easily from a single screen.
 
# Settings
You don't need income tracking, accounts or you don't want to see charts? Tailor the app to fit your needs.
* Daily Reminders: Set a daily reminder to log expenses and income consistently.
* Backup & Import: Easily back up and import your data with JSON files.
 
# Dark Mode
Looks great day or night with full dark mode support.
 
# iCloud Sync
Keep your data private, safe, and up to date across all your Apple devices with iCloud sync.
* Check Sync Status: Check if the iCloud account is correctly setup and your data is being synced with a dedicated screen in the settings.

# Terms of Use (EULA)
https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Key features

- Log income and expenses
- Recurring transaction scheduling
- Apple Wallet transaction import
- Customizable accounts and categories
- Financial analytics and charts
- Home screen widgets
- Built-in calculator

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Monthly subscription | $0.49 | per month |
| Yearly subscription | $4.99 | per year |


## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/effective-expenses/id6677000206/reviews.md

### 5/5 — Feature request

*2026-04-03*

Can you please add self Transfer option from one account to another account?

**Developer response:** Hi, thanks for the review! I’ve added your suggestion to the backlog.

## Frequently asked questions about Effective Expenses

### How does Effective Expenses import transactions from Apple Wallet?

Effective Expenses can automatically import transactions from Apple Wallet using Shortcuts automations. Once set up, these transactions are detected and appear on the home tab for you to categorize and confirm.

### Can I customize categories in Effective Expenses?

Yes, you can create new accounts and categories in seconds. You can also customize them with colors and emojis to fit your style and exclude specific categories from analytics for a clearer view.

### What kind of analytics does Effective Expenses offer?

Effective Expenses provides simple and clear insights into your spending with easy-to-read charts on the home view and within each account or category. You can drill down to see how your spending changes over time and view monthly overviews.

### Does Effective Expenses have ads?

No, Effective Expenses does not contain advertisements. The app is free to use with optional subscription plans for advanced features.

### What are the subscription plans for Effective Expenses?

Effective Expenses offers a monthly subscription for $0.49/P1M and a yearly subscription for $4.99/P1Y, providing access to premium features and enhanced functionality.

### What devices is Effective Expenses available on?

Effective Expenses is currently supported on iPhone devices, allowing users to manage their finances on the go.

### How often is Effective Expenses updated?

The latest version of Effective Expenses is 2026.4.0, and it was last updated on April 20, 2026. Updates typically bring new features and improvements.

### Is Effective Expenses suitable for all ages?

Effective Expenses has an age rating of 4+, making it suitable for a wide range of users who want to manage their personal finances.

## Version history (last 5 releases)

### 2026.7.0 — 2026-07-09

* iPad support
* Bugfixes

### 2026.4.0 — 2026-04-20

- Added support for automated import of Apple Wallet transactions via Shortcut and App Intents
- Added new iCloud Status view with iCloud login and sync status
- Improved categories and accounts forms
- Fixed a bug which prevented editing transaction amounts

### 1.3.0 — 2026-01-15

- Redesigned built-in calculator to match the latest iOS design
- Redesigned suggestions in the transactions form
- Added settings to customize suggestions
- Added option for recurring transactions to require user confirmation before occurrences can be created by the app
- Added new widget for savings
- Added new AppIntent to create expenses via Shortcuts
- Improved analytics UI and added new savings section
- Fixed bugs

### 1.2.1 — 2026-01-12

Bugfixes.

### 1.2.0 — 2026-01-08

Refreshed UI/UX and bugfixes.

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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 2026-07-28.*