# Finwhale: Expense Tracker — Budgets, net worth & privacy

> Private, secure expense tracker for budgeting and net worth management. (iPhone/iPad app by 志会 康.)

- Source: https://appshunter.io/ios/app/finwhale-expense-tracker/id6822133281 (this page in markdown: same URL + `.md`)
- Developer: [志会 康](https://appshunter.io/developer/1155886400)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Rating: 5.00/5 from 1 App Store ratings · 1 written reviews indexed
- Age rating: 4+
- Requires: iOS 18.0 · 4 MB
- Languages: American English, Chinese (Simplified, China)
- Released: 2026-10-28
- Data updated: 2026-11-01
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/finwhale-expense-tracker/id6822133281/reviews.md

## What is Finwhale?

Finwhale is a fast, private money tracker that helps you understand where your money goes — without ever sending it anywhere.

LOG IN SECONDS
Tap a category, type the amount, done. Smart categories learn your habits, and a clean keypad keeps entry quick. Voice, photo and clipboard import turn a receipt or a payment notification into a ready-to-confirm entry.

SEE YOUR FINANCIAL HEALTH
A single health score blends your savings rate, budget adherence and debt level. Track net worth over time, spot monthly trends, and get a clear breakdown of where every dollar goes.

STAY ON BUDGET
Set a monthly budget for any category and watch progress bars fill. Finwhale warns you before you blow past a limit — so you can adjust while it still matters.

MULTI-CURRENCY
Pay in USD, EUR, JPY, GBP, SGD and more. Each entry keeps its original amount and the exchange rate at the moment you logged it, and totals roll up cleanly into your base currency.

PLAN YOUR ASSETS
Track bank accounts, cash, funds and credit cards. Your net worth, total assets and liabilities are always one tap away.

PRIVATE BY DESIGN
Your data lives on your device and is protected by system-level encryption. No sign-up, no server, no ads. Face ID locks the app, and a background cover hides balances. Export all your data anytime — it’s yours to take.

FINWHALE PRO
Finwhale Pro unlocks unlimited smart imports, full data export and home-screen widgets. A 7-day free trial is available; after that it’s a monthly or yearly subscription. Privacy and security features are always free.

Subscription auto-renews unless cancelled at least 24 hours before the end of the current period. Manage in your App Store account settings.

Terms of Use (EULA):
https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Key features

- Quick expense logging
- Smart category learning
- Financial health score
- Budget adherence tracking
- Net worth monitoring
- Multi-currency support
- On-device data privacy

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Finwhale Pro | $19.99 | per year |
| Finwhale Pro | $2.99 | per month |


## Is Finwhale safe?

Not enough ratings yet to assess Finwhale.

## Is Finwhale legit?

Finwhale: Expense Tracker appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for Finwhale is 75 out of 100 points across 7 verification signals from App Store and developer data.

## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/finwhale-expense-tracker/id6822133281/reviews.md

### 5/5 — Finally found one that sticks

*2026-10-29*

I've bounced off at least four expense trackers before this one. FinWhale is the first that stuck: logging a purchase takes seconds, the categories make sense out of the box, and the monthly overview actually tells me where the money went instead of burying me in numbers. Clean, calm design with no clutter — exactly what a personal finance app should be. Glad I gave it a try.

## Frequently asked questions about Finwhale

### How does Finwhale protect my privacy?

Finwhale is designed for privacy, with all your financial data stored directly on your device. It uses system-level encryption for protection and does not require sign-up or send your data to any servers. It also offers Face ID lock and a background cover feature to hide balances.

### What are the subscription options for Finwhale Pro?

Finwhale Pro offers unlimited smart imports, full data export, and home-screen widgets. You can choose between a monthly subscription for $2.99 or a yearly subscription for $19.99, both with a 7-day free trial.

### Can I use Finwhale with different currencies?

Yes, Finwhale supports multi-currency tracking, including USD, EUR, JPY, GBP, SGD, and more. Each entry retains its original amount and exchange rate, with totals rolling up into your base currency.

### How does Finwhale help me stay on budget?

You can set monthly budgets for any category within Finwhale, and progress bars will visually show your adherence. The app will alert you before you exceed a budget limit, allowing you to make adjustments.

### What is the financial health score in Finwhale?

The financial health score is a consolidated metric that blends your savings rate, budget adherence, and debt level. It provides a quick overview of your overall financial well-being.

### How often is Finwhale updated?

The latest version of Finwhale was released on October 29, 2026, indicating recent development activity. Updates typically ensure continued functionality and security.

### What devices does Finwhale support?

Finwhale is available for iPhone and iPad, making it accessible to users across Apple's mobile ecosystem.

### Does Finwhale have ads?

No, Finwhale is ad-free. The app emphasizes privacy and security, and advertisements are not part of its design or monetization.

## Version history (last 1 release)

### 1.0 — 2026-10-29

No release notes.

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All apps by 志会 康: https://appshunter.io/developer/1155886400

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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 2026-11-01.*