Finances: Budget & Spending

Finances: Budget & Spending

Expense tracker & assistant

14 ratings
24 reviews
Free

Details

Released
September 16, 2026
Updated
November 4, 2026

Features

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About

This app helps you understand your daily spending limits and manage your finances. It tracks expenses, plans payments, and forecasts your financial future, all while prioritizing your privacy.

✓Daily spending limit calculation
✓Automated payment and income planning
✓Expense logging via voice or QR code
✓Savings goals and want-to-buy lists
✓Loan and investment tracking
✓Net worth calculation
✓Private data storage
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What's New in Finances

1.9.0

November 4, 2026

• The assistant now does what you ask: “Transfer 5000 from card to savings”, “Start the month on the 10th”, “Count Free to spend until payday”, “Hide the brokerage account from the feed”. It shows what will change first — confirm with one tap. Ask “why isn’t it syncing?” and it looks into what’s happening on your device. • Recording from texts and notifications: one purchase, one record — even if both a text and a push arrive, or you already entered the purchase yourself. Transfers between your own accounts become one transfer, merchant and category edits are remembered, and the record notification has Edit and Undo. • PDF statements are read more accurately: multi-page statements, wrapped lines and a check against the bank’s totals. • Deleting a transaction always updates the balance, even after a reconciliation; deleting a transfer to a loan brings the debt back. Archived accounts can now be deleted for good. • Select Several in Plan: remove extra income and payments at once and bring them back with one Undo. • When you travel, Today tells you the budget day and your clock differ and offers the new time zone. • Free to spend for the month follows your budget month: if it starts on the 20th, it counts until the 19th. • Make Today yours: choose the cards and their order in Settings → Appearance. • Ready-made category sets with subcategories: Car, Health, Kids, Pets, Travel and more. • Family budget: a link for Telegram and WhatsApp, and moving or copying an account between budgets. • Filter Transactions by several accounts and categories; keep a brokerage account out of the main feed. • The Lock Screen widget records the expense you choose. Tap a tag to rename it; Transfer sits next to voice and receipt. • Analytics: income by day in the calendar, week and month on the Today chart, refreshed charts. • Large budgets are faster: logging, search and forecasts across 20,000 transactions take a fraction of a second. • Sync is more reliable: your budget list is never lost on a locked phone, and Plan edits reach every device the same way. • Icons and screens share one style; translations are more complete. • “New in 1.9” slides for everyone who updates, and the welcome tour now covers automatic recording and moving your data.

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User reviews

Идеально

Ждал выход пару месяцев, на картинках и рилсах все выглядело великолепно, в реальности оказалось еще лучше. Функционально, удобно, универсально. Я очень доволен

Отличный подход к учету!

Неплохо проработанная программа по учету финансов! Детальность на высоте! Спасибо! ИИ. Я прям после вбивания расходов увидел яму)) но есть вопрос! Почему переводы не могут быть расходами? К примеру я совершил перевод Васе за ноутбук. Это вроде не покупка но расход есть.

Среднячек

Визуально приложение очень хорошее, но оно перегружено ненужными функциями и сам интерфейс слишком нагружен шлаком, при этом базовые функции такие как "обязательные платежи" нельзя сделать вариативно с повтором раз в месяц, надо именно указывать количество повторений. Короче, пользоваться неудобно.

Отличное приложение!

Удобно пользоваться с телефона и компьютера. Сейчас на пробном 7 дней, все нравится, после оплачу годовой тариф. Только не бросайте приложение, улучшайте дальше, видно умеете делать очень круто, продолжайте!
Хотелось бы еще: отдельное приложение или внутри этого отдельный раздел для малого бизнеса, со своей аналитикой и прогнозами.
Спасибо за отличный продукт!
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Не понятно зачем

Куча тумблеров не понятно что делать, интерфейс не логичный. Очередная ии генерация

Developer apps

FAQ

What is the main purpose of Finances?

Finances helps you understand how much you can safely spend each day while still meeting your financial obligations. It provides a daily guide and alerts you if your payments exceed your available money.

How does Finances handle expense logging?

You can log expenses quickly by voice, using QR codes from Russian receipts, with Siri, from Control Center widgets, or with a single tap on a Home Screen widget. The app automatically sorts amounts, accounts, categories, and tags.

Can Finances help with recurring payments and income?

Yes, Finances allows you to set up recurring payments and income with various frequencies like daily, weekly, bi-weekly, quarterly, or yearly. It can also handle salary in installments and carry over budget remainders.

Does Finances offer reminders for bills and limits?

Finances provides opt-in reminders for upcoming payments, received income on payday, daily summaries, low limits, and subscription price changes. These reminders can include a 'Paid' button directly in the notification.

How does Finances manage savings goals and loans?

You can set up savings goals with a plan and mark them as 'Saved' via notifications. For loans, it tracks terms, reduces debt as payments are made, shows interest separately, and calculates prepayment benefits.

Is my financial data secure with Finances?

Finances is designed for privacy with no tracking or ads. Your data stays on your device, and with optional account sync, records are encrypted so the server only sees ciphertext. It also offers Face ID lock and the ability to hide all amounts.

What are the benefits of creating a Finances account?

While Finances works fully without an account, a Finances account unlocks an assistant for personalized financial queries, detailed analytics for spending patterns, and access to the web version on any computer.

What devices does Finances support?

Finances is available on Mac, iPhone, and iPad, allowing you to manage your finances across multiple Apple devices.