# Financial - Manager & Tracker — Money, Budget & Split Bills > All-in-one personal finance manager with budgeting, expense tracking, and smart insights. (iPhone/iPad app by Philipp Strunk Coding.) - Source: https://appshunter.io/ios/app/financial-manager-and-tracker/id1530737149 (this page in markdown: same URL + `.md`) - Developer: [Philipp Strunk Coding](https://appshunter.io/developer/1530737151) - Category: Finance, Business - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 17.0 · 314 MB - Languages: Australian English, Danish, Dutch, Finnish, French (France), German (Germany), Greek, Italian, Japanese, Korean and 6 more - Released: 2020-09-29 - Data updated: 2026-08-29 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/financial-manager-and-tracker/id1530737149/reviews.md ## What is Financial? Discover Financial, the all-in-one app for managing your money. • Apple Favorites of the week No ads. No tracking. No-credit-card free trial. Core features work offline. Privacy-first. Financial brings your accounts, shared expenses, recurring payments, investments, and wishes into one calm finance app, so you always know where your money is, what is coming next, and what still needs attention. # YOUR FINANCES IN ONE PLACE • Add all your accounts in one clear overview • Track bank accounts, credit cards, wallets, cash, and virtual accounts • Create virtual accounts and portfolios for full control wherever you live • Organize income, expenses, bills, and balances with smart categories • Keep personal data available offline and securely synced with iCloud # ACCOUNTS, PORTFOLIOS & MARKET DATA Build your financial picture manually with virtual accounts and portfolios, or connect supported investment providers where available. • Add and organize transactions manually with smart categories • Track holdings, performance, investment activity, and savings plans • Import Trade Republic data and connect Bitpanda or Kraken • Use Financial Briefing for market context, price history, news, dividends, ETF composition, fundamentals, and regional economic data # ACCOUNTS Create real or virtual accounts for everyday money, savings, cards, cash, or projects. Choose what counts toward your net worth. # SHARED ACCOUNTS Manage money together in a private Shared Account with clear owner and editor roles. • Invite friends, family, roommates, or partners through Contacts or email • Sync balances, transactions, PDFs, and images between members • Record income and expenses in multiple currencies # SPLITTER • Split bills with friends, family, roommates, couples, or teams • Create groups for trips, households, events, or recurring shared costs • Track who paid, who owes what, and what is still open • Create payment requests and confirmation links • Detect outstanding Splitter payments through imported transactions where available • Connect with friends through Financial Contacts • Scan receipts and let friends choose their items in a simple web flow # SMARTPAYS • Create recurring payments for rent, subscriptions, bills, and contracts • Connect transactions to recurring payments automatically where available • Get reminders before due dates or renewals # WISHLIST • Create wishes for larger purchases, goals, or personal plans • Track progress toward each wish • See what is realistic before you spend # INSIGHTS & AUTOMATIONS • Clear charts for income, expenses, balances, and categories • Monthly trends, comparisons, and forecasts • Smart alerts for budgets and upcoming bills • Private suggestions and insights with on-device intelligence wherever possible # EXTRAS • Budgets with monthly or custom limits • Receipt scanner for bills and receipts • Currency converter with live exchange rates and history • IBAN checker for validating bank details # WHAT'S FREE? Free includes all virtual and imported accounts and portfolios, Trade Republic imports, and Bitpanda or Kraken connections. It also includes one Shared Account and one Splitter group with Contacts, receipts, and payment requests, manual SmartPays, Wishlist, one budget, and basic insights. # WHAT'S PRO? Pro adds unlimited Shared Accounts, Splitter groups, SmartPays, and budgets, plus automation, reports, advanced analytics, forecasts, personalized insights, and alerts. # TRUST & LEGAL Personal data can sync via iCloud. Shared features use Financial’s secure backend and stay limited to accepted members. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ ## Key features - All accounts in one view - Automatic transaction import - Budgeting and spending tracking - Expense splitting with friends - Recurring payment management - Personalized financial insights - Offline support ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Financial Pro (Yearly) | $34.99 | per year | | Financial Pro (Monthly) | $3.99 | per month | | Financial Pro (Weekly) | $0.99 | per 7 days | ## Recent user reviews (10 of 13) All indexed reviews: https://appshunter.io/ios/app/financial-manager-and-tracker/id1530737149/reviews.md ### 5/5 — Exactly what I needed *2026-05-13* Love this app, helps me manage my budget and finally get an overview of my subscriptions **Developer response:** Thank you so much for your great feedback! 💚 We’re thrilled that Financial is helping you get an overview of your subscriptions. That’s exactly what we set out to do—create an app that’s simple, motivating, and helpful. Best regards, the Financial Team ### 5/5 — Hilfreich & Übersichtlich *2026-01-11* Eine wirklich tolle Finanz-App mit klarer Struktur. Man kann Einnahmen, Ausgaben, Transaktionen sowie laufende Verträge problemlos erfassen und dadurch genau planen, wie viel Geld noch verfügbar ist und welche Ein- und Ausgänge anstehen. Die Splitter-Funktion ist dabei besonders hilfreich, da sich Beträge einfach und transparent auf mehrere Personen aufteilen lassen. Klare Empfehlung! **Developer response:** Hallo Max, vielen Dank für deine tolle Bewertung und dein ausführliches Feedback! 🙌 Es freut uns sehr zu hören, dass dir die klare Struktur von Financial und besonders die Splitter-Funktion im Alltag weiterhelfen. Genau dafür haben wir die App entwickelt: um Finanzen verständlich, planbar und transparent zu machen. Solltest du Ideen oder Wünsche für zukünftige Verbesserungen haben, freuen wir uns jederzeit über dein Feedback. 💚 Viele Grüße Dein Financial-Team ### 5/5 — Mega App *2025-04-25* Financial wurde mir im AppStore vorgeschlagen. Mega App, kann ich nur weiter empfehlen! **Developer response:** Vielen Dank für dein Feedback! 💚 Es freut uns riesig zu hören, dass dir Financial so gut gefällt. Genau das ist unser Ziel – eine einfache, sichere und effektive Lösung für den Finanzalltag zu bieten. Viele Grüße Dein Financial-Team ### 5/5 — Perfekte Finanz-App - einfach, sicher und übersichtlich! *2025-03-27* Ich nutze Financial nun schon eine Weile und bin absolut begeistert! Die App ist nicht nur optisch ansprechend, sondern auch extrem intuitiv und benutzerfreundlich. Besonders gut gefällt mir die Möglichkeit, wiederkehrende Zahlungen mit SmartPay zu verwalten, das spart mir unglaublich viel Zeit. Ich habe endlich eine zentrale Lösung für meine Finanzen gefunden, die mir hilft, den Überblick über meine Ausgaben und Verträge zu behalten. Klare Empfehlung für alle, die ihre Finanzen einfach und effektiv verwalten möchten. **Developer response:** Hallo Daniel, vielen Dank für dein großartiges Feedback! 🙌 Es freut uns riesig zu hören, dass dir Financial so gut gefällt. Genau das ist unser Ziel – eine einfache, sichere und effektive Lösung für den Finanzalltag zu bieten. Wenn du Wünsche oder Ideen für zukünftige Funktionen hast, melde dich jederzeit – wir entwickeln die App gemeinsam mit unserer Community weiter. 💚 Viele Grüße Dein Financial-Team ### 5/5 — Weiterempfehlen *2023-10-03* Ich finde die App sehr gut und kann sie jemanden weiterempfehlen!! Es lohnt sich!! **Developer response:** Vielen Dank.💚 ### 4/5 — Super klasse App!!!! *2023-09-16* War letztens in der Bowling Arena und wollte meine Kosten notieren. Leider hatte ich dafür noch nicht die passende App. :( JETZT HAB ICH SIE!!! **Developer response:** Das freut uns zu hören! 💚 ### 5/5 — Supi dupi 👍🏻 *2023-09-13* Die App ist sehr einfach gestaltet, erklärt sich von alleine und erleichtert das Leben. ⭐️⭐️⭐️⭐️⭐️ **Developer response:** Dankeschön 💚 ### 5/5 — Top *2023-06-20* Einfach nur top. 👍 **Developer response:** Vielen Dank! 💚 ### 5/5 — Einfach SUPER! *2023-06-03* Genial einfach zu handhaben und sehr übersichtlich! **Developer response:** Vielen Dank. 🙏🏻 ### 5/5 — Funktioniert super…bis jetzt *2022-11-04* Ich habe mir die App im Oktober heruntergeladen und jetzt im November kam die 1.2.5 raus und seitdem Crasht die App, wenn ich meinen Fingerabdruck scannen lasse. **Developer response:** Fehler behoben. 🙂 ## Frequently asked questions about Financial ### Does Financial have ads? Yes, Financial contains advertisements. The app is free to download and use, with optional in-app purchases for advanced features. ### What are the subscription options for Financial Pro? Financial Pro offers weekly, monthly, and yearly subscription plans. The weekly plan is $0.99, the monthly is $3.99, and the yearly is $34.99. The yearly plan includes a 3-day free trial. ### Is Financial safe to use with my bank accounts? Financial prioritizes privacy with on-device processing for its financial assistant, meaning your data never leaves your device. It supports live balance syncing where possible and offers full offline support. ### What devices does Financial support? Financial is available on Apple devices including iPhone, iPad, Apple Watch, and Mac. It also supports Apple Vision Pro, offering a seamless experience across the Apple ecosystem. ### How often is Financial updated? The latest version of Financial is 3.0.7, last updated on February 23, 2026. This indicates a commitment to regular updates and improvements. ### Can I split expenses with others using Financial? Yes, the Splitter feature allows you to easily split expenses with friends, family, or teammates. You can track who owes what, ensuring everyone pays their fair share. ### Does Financial offer a free trial for its premium features? Yes, Financial offers a 3-day free trial for its Financial Pro Yearly subscription. There is no credit card required for the initial free trial period. ### What kind of financial insights does Financial provide? Financial offers clear charts and graphs for income and expenses, category breakdowns, spending trends, forecasts, and custom reports. It also provides smart alerts for budget overspending or unusual activity. ## Version history (last 5 releases) ### 3.1 — 2026-08-22 With Financial 3.1, we build on 3.0 with a more polished interface, improved Liquid Glass details, Financial’s own icon system, Financial Contacts, rebuilt Shared Accounts, and major Splitter improvements with receipts, payment request links, and web-based item selection. # FINANCIAL ACCOUNT & CONTACTS Financial Account is easier to manage, and Contacts now power invitations across shared features. # SHARED ACCOUNTS, REBUILT Manage money together in a private Shared Account. Invite friends, family, roommates, or partners through Contacts or email, sync balances and transactions, and attach PDFs or images. Clear owner and editor permissions protect who can change what. # SPLITTER, RECEIPTS & PAYMENT REQUESTS Splitter becomes much more powerful in Financial 3.1. Create shared expenses from receipts, let friends choose what they had in a simple web flow, and generate payment request links for open balances. Payment requests make it easier to collect, review, and confirm what is still owed without everyone needing to manage the full expense manually. • Improved Splitter flows for shared expenses • Receipt-based splitting for groups • Web selection flow so friends can choose their own items • Payment request links for open balances • Confirmation links for clearer settlement • Better overview of who paid, who owes what, and what is still open # SMARTPAYS & WISHLIST Recurring payments and wishes continue to feel more connected to your real financial activity. SmartPay detection has been improved, recurring payment insights are clearer, and Wishlist helps you understand what you are saving toward before you spend. # FINANCIAL BRIEFING, PORTFOLIOS & SAVINGS PLANS Financial Briefing adds clearer market context around your accounts and portfolios. Import Trade Republic data and connect Bitpanda or Kraken. Imports, provider sync, restore flows, and connection management are now clearer and more reliable. Recurring investment plans are detected and shown more clearly, with more reliable notifications. Position details now bring together price history, market news, dividends, ETF composition, fundamentals, and regional economic context where available. Position timelines now reflect purchase dates, sales, fees, and savings plans more accurately. # INTRODUCING FINANCIAL ICONS Financial now features a custom-designed icon system. Built in close alignment with Apple’s design language, many icons are inspired by familiar system symbols and refined to match Financial’s own visual identity. # CURRENCY & IBAN TOOLS Financial’s tools area now includes a rebuilt currency converter and a new IBAN checker. Convert currencies with live rates and history, or validate IBAN details directly inside Financial. # MILESTONES & NOTIFICATIONS Milestones have been redesigned for a clearer, more motivating experience. With Monthly Milestone notifications, you can stay on top of your challenges and never miss a new goal. # FINANCIAL FREE & PRO Financial Free includes all virtual and imported accounts and portfolios, Trade Republic imports, and Bitpanda or Kraken connections. Financial Pro adds unlimited Shared Accounts, Splitter groups, SmartPays, and budgets, plus automation, reports, advanced analytics, forecasts, personalized insights, and alerts. # MORE • Improved App Shortcuts and intents • Upload your own Account, Portfolio, and Transaction images • Better provider sync and connection recovery • Faster loading times and improved sync stability • Choose which accounts and portfolios count toward your net worth ### 3.0.15 — 2026-07-09 With Financial 3.0, we are introducing a completely new look, Liquid Glass details throughout the app, and Bank-integrations, as well as portfolios! # RECENTLY UPDATED • Monthly Milestone for August 2026 • Fixed minor bugs • Performance improvements # INTRODUCING BANK CONNECTIONS European bank integrations arrive in Financial for the first time. Connect your real accounts, sync transactions automatically, and let SmartPay detect recurring payments without manual input. A modern, secure connection flow powered by GoCardless brings real-time clarity to your finances — directly inside Financial. # INTRODUCING PORTFOLIO CONNECTIONS For the first time, Financial can sync real investment data from Trade Republic and Bitpanda. Holdings, performance, and transactions flow directly into the app, creating a clearer view of your full financial picture. Support for additional brokers is already in development... # VIRTUAL ACCOUNTS & PORTFOLIOS Virtual Accounts have been redesigned for clarity and ease of use. Cleaner entry flows, better editing, improved insights — perfect for users who want full control without connecting a real bank. Virtual Portfolios make their debut in Financial 3.0. Track your investments manually with a clear structure, detailed positions, and performance overview — now built directly into the app. A more flexible Financial, no matter where you live or how you manage your money. # MORE • Completely redesigned interface built with SwiftUI • Smarter SmartPay detection and improved recurring insights • New Splitter experience for shared expenses • Faster performance and a more stable backend • Cleaner charts, clearer navigation, calmer design • Many refinements across the entire app ### 3.0.14 — 2026-06-24 With Financial 3.0, we are introducing a completely new look, Liquid Glass details throughout the app, and Bank-integrations, as well as portfolios! # RECENTLY UPDATED • Monthly Milestone for June 2026 • Fixed minor bugs • Performance improvements # INTRODUCING BANK CONNECTIONS European bank integrations arrive in Financial for the first time. Connect your real accounts, sync transactions automatically, and let SmartPay detect recurring payments without manual input. A modern, secure connection flow powered by GoCardless brings real-time clarity to your finances — directly inside Financial. # INTRODUCING PORTFOLIO CONNECTIONS For the first time, Financial can sync real investment data from Trade Republic and Bitpanda. Holdings, performance, and transactions flow directly into the app, creating a clearer view of your full financial picture. Support for additional brokers is already in development... # VIRTUAL ACCOUNTS & PORTFOLIOS Virtual Accounts have been redesigned for clarity and ease of use. Cleaner entry flows, better editing, improved insights — perfect for users who want full control without connecting a real bank. Virtual Portfolios make their debut in Financial 3.0. Track your investments manually with a clear structure, detailed positions, and performance overview — now built directly into the app. A more flexible Financial, no matter where you live or how you manage your money. # MORE • Completely redesigned interface built with SwiftUI • Smarter SmartPay detection and improved recurring insights • New Splitter experience for shared expenses • Faster performance and a more stable backend • Cleaner charts, clearer navigation, calmer design • Many refinements across the entire app ### 3.0.13 — 2026-05-27 With Financial 3.0, we are introducing a completely new look, Liquid Glass details throughout the app, and Bank-integrations, as well as portfolios! # RECENTLY UPDATED • Monthly Milestone for May 2026 • Fixed minor bugs • Performance improvements # INTRODUCING BANK CONNECTIONS European bank integrations arrive in Financial for the first time. Connect your real accounts, sync transactions automatically, and let SmartPay detect recurring payments without manual input. A modern, secure connection flow powered by GoCardless brings real-time clarity to your finances — directly inside Financial. # INTRODUCING PORTFOLIO CONNECTIONS For the first time, Financial can sync real investment data from Trade Republic and Bitpanda. Holdings, performance, and transactions flow directly into the app, creating a clearer view of your full financial picture. Support for additional brokers is already in development... # VIRTUAL ACCOUNTS & PORTFOLIOS Virtual Accounts have been redesigned for clarity and ease of use. Cleaner entry flows, better editing, improved insights — perfect for users who want full control without connecting a real bank. Virtual Portfolios make their debut in Financial 3.0. Track your investments manually with a clear structure, detailed positions, and performance overview — now built directly into the app. A more flexible Financial, no matter where you live or how you manage your money. # MORE • Completely redesigned interface built with SwiftUI • Smarter SmartPay detection and improved recurring insights • New Splitter experience for shared expenses • Faster performance and a more stable backend • Cleaner charts, clearer navigation, calmer design • Many refinements across the entire app ### 3.0.12 — 2026-05-14 With Financial 3.0, we are introducing a completely new look, Liquid Glass details throughout the app, and Bank-integrations, as well as portfolios! # RECENTLY UPDATED • Monthly Milestone for May 2026 • Fixed minor bugs • Performance improvements # INTRODUCING BANK CONNECTIONS European bank integrations arrive in Financial for the first time. Connect your real accounts, sync transactions automatically, and let SmartPay detect recurring payments without manual input. A modern, secure connection flow powered by GoCardless brings real-time clarity to your finances — directly inside Financial. # INTRODUCING PORTFOLIO CONNECTIONS For the first time, Financial can sync real investment data from Trade Republic and Bitpanda. Holdings, performance, and transactions flow directly into the app, creating a clearer view of your full financial picture. Support for additional brokers is already in development... # VIRTUAL ACCOUNTS & PORTFOLIOS Virtual Accounts have been redesigned for clarity and ease of use. Cleaner entry flows, better editing, improved insights — perfect for users who want full control without connecting a real bank. Virtual Portfolios make their debut in Financial 3.0. Track your investments manually with a clear structure, detailed positions, and performance overview — now built directly into the app. A more flexible Financial, no matter where you live or how you manage your money. # MORE • Completely redesigned interface built with SwiftUI • Smarter SmartPay detection and improved recurring insights • New Splitter experience for shared expenses • Faster performance and a more stable backend • Cleaner charts, clearer navigation, calmer design • Many refinements across the entire app ## Apps similar to Financial | App | Rating | Price | Category | | --- | --- | --- | --- | | [EveryDollar: Budget Management](https://appshunter.io/ios/app/everydollar-budget-management/id942571931) | 4.7 (84,039) | Free | Finance | | [Finma - AI Finance Tracker](https://appshunter.io/ios/app/finma-ai-finance-tracker/id6446134557) | 4.6 (44) | Free | Finance | | [My Financial Tracker](https://appshunter.io/ios/app/my-financial-tracker/id1507625362) | 4.7 (22) | Free | Finance | | [Subscription Manager: Subo](https://appshunter.io/ios/app/subscription-manager-subo/id6741823650) | 4.8 (68) | Free | Finance | | [Five Cents: Monthly Budget](https://appshunter.io/ios/app/five-cents-monthly-budget/id1599077337) | 4.6 (43) | Free | Finance | | [Budgito - Expense & Budget](https://appshunter.io/ios/app/budgito-expense-and-budget/id1517202361) | 4.7 (39) | Free | Finance | ## Related topics [financial notices](https://appshunter.io/ios/topics/financial-notices) · [society of defense financial management](https://appshunter.io/ios/topics/society-of-defense-financial-management) · [amazing financial tracker](https://appshunter.io/ios/topics/amazing-financial-tracker) · [rockeye financial accounting](https://appshunter.io/ios/topics/rockeye-financial-accounting) · [amlaki financial](https://appshunter.io/ios/topics/amlaki-financial) · [eyeballs financial](https://appshunter.io/ios/topics/eyeballs-financial) · [richify ai financial wellbeing](https://appshunter.io/ios/topics/richify-ai-financial-wellbeing) --- *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 2026-08-29.*