# ExpenseFlow Budget Tracker — Expense, Bill & Debt Manager

> Private expense, budget, bill, and debt tracker with optional AI assistance. (iPhone/iPad app by Siam Mahmud Khan.)

- Source: https://appshunter.io/ios/app/expenseflow-budget-tracker/id6799784572 (this page in markdown: same URL + `.md`)
- Developer: [Siam Mahmud Khan](https://appshunter.io/developer/6789968201)
- Category: Finance
- Price: Free with in-app purchases
- Rating: 5.00/5 from 2 App Store ratings · 1 written reviews indexed
- Age rating: 4+
- Requires: iOS 17.0 · 35 MB
- Languages: American English, Arabic, Bangla, French (France), German (Germany), Italian, Japanese, Korean, European Portuguese, Russian and 2 more
- Released: 2026-09-27
- Data updated: 2026-10-03
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/expenseflow-budget-tracker/id6799784572/reviews.md

## What is ExpenseFlow Budget Tracker?

Track every expense without handing over a bank login. No bank connection, no sign-up, and nothing leaves your device unless you choose it.

ExpenseFlow is a private expense tracker and budget planner that also remembers what you owe, what you lent out, and what you split with friends.

WHAT YOU CAN DO
- Log expenses and income in seconds, across 60+ currencies
- Set category budgets and roll unspent money into the next month
- Automate recurring expenses and income so rent, salary and subscriptions post themselves
- Track debts you owe, with interest, due dates, payment history and payoff reminders
- Track money you lent out, with borrower, expected return date, partial returns and overdue alerts
- Split group expenses equally, by amount or by percentage, settlement math included
- Put money aside for savings goals and watch contributions add up
- Scan a receipt instead of typing it in
- Read daily, weekly, monthly, yearly and custom-range reports with charts
- Add the home screen widget to log an expense without opening the app
- Ask the built-in AI assistant where your money went and what to change

BUILT FOR REAL MONEY, NOT JUST SPENDING
Plenty of apps log what you spent. Few remember the cash you lent a friend in March, the card balance you are slowly paying down, and your share of the trip four of you split. ExpenseFlow keeps all of it against one running balance, so the number you see is the money you actually have.

WHY NO BANK LOGIN
Your finances stay on your device, in Apple's encrypted local database. Nothing is pulled from your bank, because ExpenseFlow never asks for it. Cloud sync is yours to switch on, or leave off.

The AI assistant is the one feature that uses the network, and it is entirely optional. When you ask it something, only your question and a short summary of the figures behind it go to Google's Gemini model to write the answer.

WHO IT IS FOR
- People who track by hand because they do not want an app inside their bank
- Anyone lending or borrowing money between friends and family
- Roommates, couples and travel groups who split costs and settle up later
- Freelancers who need expenses out as CSV or PDF at tax time
- Anyone who tried a budgeting app before and quit because it was too much

DESIGNED TO BE READABLE
Simple Mode strips the interface down to the essentials. Large Text Mode enlarges type and touch targets. Both are built in.

SPEAKS YOUR LANGUAGE
Fully translated into English, Spanish, French, German, Italian, Portuguese, Russian, Arabic, Bengali, Japanese, Korean and Simplified Chinese, with right-to-left support.

FREE AND PREMIUM
Free includes expenses and income, your dashboard and running balance, category budgets, the reports tab, recurring entries, and full control of theme, language and currency.

Premium unlocks receipt scanning, debt and lending tracking, savings goals and goal automation, group events and splitting, custom categories, budget templates and rollover automation, the AI assistant, detailed report charts, PDF and CSV export, cloud backup and sync, and the home screen widget.

PREMIUM PRICING
Monthly and yearly are auto-renewing subscriptions: 4.99 USD per month or 34.99 USD per year. Lifetime is a single 59.99 USD purchase that never renews. Prices are in US dollars and vary by region.

Payment is charged to your Apple Account at confirmation of purchase. A subscription renews automatically unless auto-renew is switched off at least 24 hours before the current period ends, and renewal is charged within 24 hours of that. Manage or cancel in your Apple Account settings. You can delete your account and all of your cloud data from Settings at any time.

Terms of Use: https://siam300.github.io/ExpenseFlow-Budget-Tracker-Legal/expenseflow-terms-of-service.html
Privacy Policy: https://siam300.github.io/ExpenseFlow-Budget-Tracker-Legal/expenseflow-privacy-policy.html

Start tracking today. Your first expense takes about ten seconds.

## Key features

- Expense and income logging
- Category budgeting with rollover
- Debt and lending tracking
- Group expense splitting
- Savings goals
- AI assistant for financial insights
- Receipt scanning

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| ExpanseFlow Monthly | $4.99 | per month |
| ExpenseFlow Yearly | $34.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| ExpenseFlow Life Time | $59.99 | one-time |


## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/expenseflow-budget-tracker/id6799784572/reviews.md

### 5/5 — Very helpful app

*2026-09-30*

it felt like i can visually see where my money is going. Really thankful for the app.

**Developer response:** Thank you so much for your kind words! We’re glad ExpenseFlow helps you clearly understand where your money is going. We truly appreciate your support.

## Frequently asked questions about ExpenseFlow Budget Tracker

### Does ExpenseFlow have ads?

ExpenseFlow is ad-free, allowing for an uninterrupted financial tracking experience. The app prioritizes user privacy and does not display advertisements.

### What are the premium features in ExpenseFlow?

Premium features include receipt scanning, advanced debt and lending tracking, savings goals, group expense splitting, custom categories, budget templates, and the AI assistant. The free version offers core expense and income tracking, budgeting, and reports.

### How secure is ExpenseFlow with my financial data?

ExpenseFlow keeps your finances on your device using Apple's encrypted local database, and it never asks for bank login details. Cloud sync is optional and controlled by the user.

### Can I track money I owe and money lent to others with ExpenseFlow?

Yes, ExpenseFlow allows you to track debts you owe, including interest and due dates, as well as money you have lent out, with overdue alerts. This feature is available with the premium subscription.

### How does ExpenseFlow handle splitting group expenses?

ExpenseFlow can split group expenses equally, by amount, or by percentage, and includes settlement calculations. This feature is part of the premium offering.

### What currencies does ExpenseFlow support?

ExpenseFlow supports logging expenses and income across over 60 different currencies, making it versatile for international users.

### Is ExpenseFlow available on Android devices?

Based on the provided data, ExpenseFlow is supported on iPhone and iPad. Information regarding Android availability is not specified.

### How often is ExpenseFlow updated?

The latest version of ExpenseFlow was released on September 27, 2026, with the same date for the last update. This indicates a recent release, and future update frequency is not yet established.

## Version history (last 1 release)

### 1.1 — 2026-09-27

No release notes.

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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 2026-10-03.*