# Expense Tracking: Finance App — Budgets, bills, loans, offline

> Budgets, bills, loans, offline (iPhone/iPad app by Ashir Khan.)

- Source: https://appshunter.io/ios/app/expense-tracking-finance-app/id6770228480 (this page in markdown: same URL + `.md`)
- Developer: [Ashir Khan](https://appshunter.io/developer/1854980470)
- Category: Finance, Productivity
- Price: Free
- Age rating: 4+
- Requires: iOS 15.0 · 49 MB
- Languages: American English
- Released: 2026-05-19
- Data updated: 2026-10-07
- User reviews in markdown: https://appshunter.io/ios/app/expense-tracking-finance-app/id6770228480/reviews.md

## What is Expense Tracking?

Expense Tracking is your all-in-one personal and business finance manager — track spending, manage budgets, ledgers, loans, and bills, and reach your savings goals, all completely offline.
WHY EXPENSE TRACKING?
No sign-up. No bank linking. Just a fast, private, offline expense tracker that works the moment you open it.

EXPENSE & INCOME TRACKING
• Log expenses and income in seconds
• Custom categories with icons and colors — add your own anytime
• Powerful search and filters to find any transaction instantly
• Attach notes so you remember what a purchase was for

BUDGET PLANNER
• Set weekly or monthly spending limits by category
• Get warned before you go over budget
• See exactly how much you have left to spend, in real time

BILL REMINDERS
• Never miss a due date again
• Schedule recurring bills — daily, weekly, monthly, or yearly
• Custom reminder alerts, days before each bill is due

LOAN & BORROW TRACKER
• Track money you've lent or borrowed, with due dates
• Get overdue alerts so nothing slips through the cracks
• Settle loans with one tap and share a PDF receipt

BUSINESS EXPENSE TRACKING
• Switch between Personal and Business anytime from Settings
• Track multiple businesses, each with its own transactions, budgets and bills
• Add customers and vendors, and see who owes you and who you owe
• Full Profit & Loss reports — revenue, costs and net profit at a glance

SAVINGS GOAL TRACKER
• Set a monthly savings target
• Track your progress automatically as you spend and earn
• Quick-pick common goal amounts or set a custom one

SPENDING INSIGHTS & REPORTS
• Visual spending breakdown by category
• Compare this week/month vs last, side by side
• 12-month balance history trend
• Month-by-month breakdown of where your money went

BUILT FOR EVERYONE
• Multi-currency support — pick your currency, anywhere in the world
• Available in English, Arabic, German, Spanish, French, and Urdu
• Light, dark, and system themes
• PIN lock to keep your finances private
• Export and share transaction reports as PDF
• Local backup & restore — your data stays yours, on your device

Whether you're budgeting on a tight income, splitting shared expenses, managing loans between friends and family, running a small business, or simply trying to understand where your money goes each month, Expense Tracking gives you a clear, no-friction way to do it — without a bank account required and without your financial data ever leaving your phone.

Privacy Policy: https://expenses.reflect-technology.ca/privacy-policy.html
Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/


## Version history (last 5 releases)

### 1.1.5 — 2026-09-28

What’s New
* Link your account with email to back up and sync your data across devices
* Premium now works on all your devices
* Forgot your PIN? Reset it by email without losing data
* Fixed issues with data backup and import.
* Added a new How to Use page.

### 1.1.4 — 2026-09-19

What's new?
- Added onboarding screens to help you get started faster.
- Added a heads-up when a new version is available.
- Improved the design and experience of the Ledger sheet.

### 1.1.3 — 2026-09-18

What’s New

* Improved category management and sorting.
* Added Settle option for Ledgers.
* Loan and Ledger payments can now increase or decrease balances.
* Improved color indicators for amounts owed and receivable.
* Added automatic Google Drive & iCloud backups which user can enable/disable.
* Added helpful automatic notifications.
* General UI improvements and bug fixes.

### 1.1.2 — 2026-09-15

- Added an option to set the amount when adding a ledger entry
- Loans is now selected by default in Personal mode
- Fixed placeholder text colors that didn't match the app theme
- Fixed a color inconsistency on the Add Transaction screen on iOS
- Fixed content touching the bottom edge on iOS screens

### 1.1.1 — 2026-09-10

What's New

• Loans now support partial payments, with automatic handling when you're paid back more than you owed.
• Business mode: record a sale or purchase even before anything is paid, with accurate customer/vendor balance tracking.
• Renamed "Income"/"Expense" to the clearer "Money In"/"Money Out".
• Faster contact search when you have many customers or vendors.

## Apps similar to Expense Tracking

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Kiara –Money, Budget & Expense](https://appshunter.io/ios/app/kiara-money-budget-and-expense/id6755321628) | — | Free | Finance |
| [Simple Income & Expense](https://appshunter.io/ios/app/simple-income-and-expense/id6746087374) | — | Free | Finance |
| [Wallet: Smart Money Manager](https://appshunter.io/ios/app/wallet-smart-money-manager/id1445995357) | 4.2 (10) | Free | Finance |
| [Money Monitor: Expense Tracker](https://appshunter.io/ios/app/money-monitor-expense-tracker/id537916781) | 4.0 (359) | Free | Finance |
| [Money: Budget, Expense Tracker](https://appshunter.io/ios/app/money-budget-expense-tracker/id1185488696) | 4.5 (447) | Free | Finance |
| [Small Biz Budget - Accounting](https://appshunter.io/ios/app/small-biz-budget-accounting/id1440252541) | 5.0 (8) | Free | Finance |

## More apps by Ashir Khan

- [Khidma Plus (Home Services)](https://appshunter.io/ios/app/khidma-plus-home-services/id6755617892)
- [Khidma Provider](https://appshunter.io/ios/app/khidma-provider/id6755718687)

All apps by Ashir Khan: https://appshunter.io/developer/1854980470

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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 2026-10-07.*