# Expense Tracker - MoneyFlux — Subscription. Net worth. Debts > Subscription. Net worth. Debts (iPhone/iPad app by Taras Chernysh.) - Source: https://appshunter.io/ios/app/expense-tracker-moneyflux/id6759986221 (this page in markdown: same URL + `.md`) - Developer: [Taras Chernysh](https://appshunter.io/developer/1538766973) - Category: Finance, Utilities - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 26.1 · 26 MB - Languages: American English, Russian, Ukrainian - Released: 2026-09-11 - Data updated: 2026-09-26 - User reviews in markdown: https://appshunter.io/ios/app/expense-tracker-moneyflux/id6759986221/reviews.md ## What is Expense Tracker? An expense and income tracker that starts where your money actually is: the statement your bank already gives you. MoneyFlux reads it on your phone and turns it into a ledger you actually own — spending, subscriptions, debts, net worth, and trading calls, side by side. No sign-up, no ads, no trackers. If you've ever abandoned a finance app because it wanted an account, your email and a linked bank login before it showed you a single number — this one is for you. SIX BANKS, PLUS OFX — FIRST IMPORT FREE • OFX, QFX or QBO from any bank — the standard download many banks offer • MoneyFlux spots the format from the file — PrivatBank and MonoBank CSV, Oschadbank, Scotiabank, Raiffeisen Bank and A-Bank PDF • Recategorize, annotate and tag any row before you commit it • Duplicates are skipped, so nothing lands twice Not affiliated with any bank. Statement import is manual: you export the file yourself and pick it. MoneyFlux never connects to a bank account and never asks for a banking login. LOGGED AS YOU PAY • On iPhone, a Shortcuts automation saves in-store Apple Pay taps to the right account EIGHT CURRENCIES, HONESTLY • UAH, USD, EUR, CAD, GBP, CHF, PLN and RON side by side • Totals are grouped per currency — never fudged into one figure by an exchange rate the app invented NET WORTH THAT POINTS SOMEWHERE • Capital sorts what you own by direction of cash flow, not by price • Good capital pays you. Bad capital costs you: annual income minus annual holding cost • The same apartment lands on opposite sides depending on whether it is rented out or lived in • Snapshots, growth over time and portfolio health — PREMIUM RECURRING BILLS AND DEBTS, ONE LIST — PREMIUM • Everything you are on the hook for — subscriptions and money lent to real people — with a monthly and an annual total • A banner three days before something charges. A banner when someone is late • Repayment shortcuts, and a forgive flow that closes a loan without erasing its history AUDIT THE TRADER YOU FOLLOW — PREMIUM • Positions is a journal for crypto and trading calls — and a scorecard for whoever's calls you follow • Three records side by side: what was claimed, what his own quoted prices imply, and what your money actually did • It counts the calls that never closed. Most channels do not 63 PRINCIPLES ON MONEY • Short ideas from Franklin, Rockefeller and our own; a paraphrase is never passed off as a quote ANALYTICS AND EXPORT — PREMIUM • Spending analytics with period-over-period comparison • CSV, PDF and a full JSON backup you can restore from, by merge or replace PRIVATE BY CONSTRUCTION • You approve what leaves: a subscription receipt, plus a summary of your totals if you turn the assistant on • Your statement is read on your phone; the file is never uploaded • Records sync to your own private iCloud through Apple's CloudKit, where only you can read them • Face ID lock — and you can delete every record, iCloud copy included, in a tap MONEYFLUX PREMIUM • Free forever: the whole ledger, analytics for one period, your asset list, iCloud sync, the app lock — and your first bank statement import • Premium is every section marked above, starting with every statement after the first • Subscribe once and export stays yours for good SUBSCRIPTIONS AND IN-APP PURCHASES • MoneyFlux Premium Monthly — USD 4.99/month, auto-renewing • MoneyFlux Premium Annual — USD 29.99/year, auto-renewing, 7 days free — Payment is charged to your Apple Account at confirmation of purchase. — Subscriptions auto-renew unless canceled at least 24 hours before the end of the current period. — Manage or cancel anytime in Apple Account Settings. PRIVACY & TERMS Terms of Use: https://taraschernysh.github.io/MoneyFluxWeb/#terms Privacy Policy: https://taraschernysh.github.io/MoneyFluxWeb/ QUESTIONS? IDEAS? Email: chernyshtar@gmail.com Or send feedback straight from the app — Settings, then Support. MoneyFlux is a record-keeping tool. It does not provide financial or investment advice. ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | 1 Month: Spending & Savings | $4.99 | per month | | 1 Year: Portfolio & Cash Flow | $29.99 | per year | ## Version history (last 4 releases) ### 1.1.2 — 2026-09-25 Ask AI, fixed On some iPhones, Ask AI stopped at “Something went wrong. Please try again.” the moment you asked, with no way to retry. It now recovers on its own and answers as it should. A new welcome First-time users now start with what bothers them about their money, and MoneyFlux builds a plan from their answers. Also in this version • Stability improvements and smaller fixes ### 1.1.1 — 2026-09-24 Apple Pay purchases, logged for you — new On iPhone, a Shortcuts automation can now save your in-store Apple Pay payments in MoneyFlux right after you pay: the amount, the merchant and the card. Build one automation per card, pick the account it pays from, and every tap lands in the right place on its own. The action is called “Log contactless purchase”; setup steps are in Settings → Apple Pay purchases. A payment in another currency is skipped, never converted. Import from any bank — new MoneyFlux now reads OFX, QFX and QBO files — the standard statement download many banks in the US, UK and Europe offer. Pick the file and MoneyFlux works out the account, the currency and the closing balance; a file holding several accounts lets you choose which to import. Importing the same file again skips what is already there. Moving from Saldo — new Import the CSV export from the Saldo app. Each account comes across under its own name with its opening balance, a split becomes one row per category, and a transfer lands in both accounts. Four more currencies Pound sterling, Swiss franc, Polish złoty and Romanian leu join UAH, USD, EUR and CAD. As always, totals stay grouped per currency — never converted. Using MoneyFlux on more than one device? Update it on each of them, so every device reads the new currencies. Also in this version • Link a transaction to a recurring payment you already track — from the transaction, the list or the import review • A negative account balance now shows its minus sign ### 1.1.0 — 2026-09-16 Ask AI — new Ask about your money in your own words. On Analytics, Positions and Commitments, ask what changed, what costs most, or what falls due next — and get an answer built from your own figures. Part of Premium. It stays off until you turn it on. A screen first explains exactly what is sent, who processes it and how long they keep it, and you can switch it back off in Settings at any time. Totals and category names leave your device; individual transactions, balances and account numbers never do. MoneyFlux Premium — new One subscription unlocks bank statement import beyond your first, the Positions audit, Commitments, Capital snapshots, period comparison in Analytics, and all three exports. Monthly, or annual with a one-week free trial. Nobody is locked away from their own records: restoring a backup is never gated, and every export stays yours for good once you have subscribed. Also in this version • The first run no longer flashes the dashboard before the welcome flow • A support email identifies you to us without identifying you to anyone else • Privacy wording updated throughout to say precisely what leaves your device and who can read it ### 1.0 — 2026-09-11 No release notes. ## More apps by Taras Chernysh - [Memorize Flash Card Maker](https://appshunter.io/ios/app/memorize-flash-card-maker/id1573430144) - [Volume Booster Sound Amplifier](https://appshunter.io/ios/app/volume-booster-sound-amplifier/id6550912161) - [Solbox: Focus Timer & Noise](https://appshunter.io/ios/app/solbox-focus-timer-and-noise/id6749668065) - [10 Goals Daily Writing - Tenly](https://appshunter.io/ios/app/10-goals-daily-writing-tenly/id6759840909) All apps by Taras Chernysh: https://appshunter.io/developer/1538766973 --- *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 2026-09-26.*