# Forgenta: Track & Build Wealth — Safe to Spend & Payoff Date

> Finance app for cash flow control, debt elimination, and wealth building. (iPhone/iPad app by TRE Forged LLC.)

- Source: https://appshunter.io/ios/app/forgenta-track-and-build-wealth/id6762540239 (this page in markdown: same URL + `.md`)
- Developer: [TRE Forged LLC](https://appshunter.io/developer/1894595486)
- Category: Finance
- Price: Free with in-app purchases
- Rating: 5.00/5 from 5 App Store ratings · 1 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 39 MB
- Languages: American English
- Released: 2026-05-13
- Data updated: 2026-10-12
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/forgenta-track-and-build-wealth/id6762540239/reviews.md

## What is Forgenta?

Built for discipline. Designed for results.

Forgenta isn’t another bloated finance app. It’s a focused system built to help you control cash flow, eliminate debt, and build long-term wealth habits—without ads, distractions, or data selling.

Core Features
Smart Budgeting System
Track income, expenses, and subscriptions in one place
Clear monthly breakdowns so you always know where your money is going
Built for real-world use—not spreadsheets
Debt Payoff Engine (Avalanche + Snowball)
Choose your strategy: highest interest or lowest balance
Automatically rolls payments as debts are cleared
See payoff timelines and interest saved in real time
Cash Flow Control
Know exactly how much is safe to spend
Built-in cash floor protection so you don’t overextend
Prevent overdrafts and bad financial decisions before they happen
Account Sync (Premium)
Secure bank connections with automatic updates
Real-time balances without manual entry
Fully encrypted and protected
Privacy First — Always
No ads
No selling your data
No hidden tracking
Designed for Real Life
Clean, mobile-first interface
Fast onboarding with guided setup
Works whether you're starting from scratch or optimizing an existing system
Free vs Premium

Free Version

Manual tracking
Budgeting tools
Debt payoff strategies

Premium Version

Bank syncing
Advanced insights
Automation tools
Why Forgenta?

Most apps track your money.
Forgenta helps you control it.

If you're serious about improving your finances—not just watching them—this is your system.

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

## Key features

- Smart budgeting system
- Debt payoff engine (Avalanche + Snowball)
- Cash flow control
- Account sync (Premium)
- Privacy-first design
- Manual tracking (Free)

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Forgenta Premium | $9.99 | per month |
| Forgenta Premium | $89.99 | per year |


## Is Forgenta safe?

Not enough ratings yet to assess Forgenta.

## Is Forgenta legit?

Forgenta: Track & Build Wealth has limited verification signals. The AppsHunter Legitimacy Score for Forgenta is 58 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/forgenta-track-and-build-wealth/id6762540239/reviews.md

### 5/5 — It’s good

*2026-05-24*

It’s good

## Frequently asked questions about Forgenta

### What is Forgenta's primary purpose?

Forgenta is designed to help users control their cash flow, eliminate debt, and build long-term wealth habits through a focused system, rather than just tracking money.

### Does Forgenta have ads?

Yes, Forgenta contains advertisements. The app description explicitly states 'without ads, distractions, or data selling' for the core system, but the monetization model indicates ads are present.

### What are the debt payoff strategies available in Forgenta?

Forgenta offers two debt payoff strategies: Avalanche, which prioritizes debts with the highest interest rates, and Snowball, which prioritizes debts with the lowest balances. Users can choose their preferred method.

### What is the difference between Forgenta's free and premium versions?

The free version of Forgenta includes manual tracking, budgeting tools, and debt payoff strategies. The premium version unlocks bank syncing, advanced insights, and automation tools.

### How does Forgenta ensure user privacy?

Forgenta emphasizes a privacy-first approach, stating it has no ads, does not sell user data, and has no hidden tracking. The app is built with user privacy as a core principle.

### What devices is Forgenta compatible with?

Forgenta is available for iPhone, iPad, and iPod devices. It features a clean, mobile-first interface designed for real-life use.

### How often is Forgenta updated?

The latest version of Forgenta is 5.15, and it was last updated on June 21, 2026. This indicates a relatively frequent update schedule.

### What is the cost of Forgenta Premium?

Forgenta Premium is available through subscription plans: $9.99 per month or $89.99 per year. This provides access to advanced features like bank syncing and automation.

## Version history (last 5 releases)

### 6.8.1 — 2026-10-02

- Safe to Spend: see how much you can spend before your next payday, with the bills it counts.
- Face ID unlock is much faster. The app opens in about a third of a second.
- A savings goal can now count more than one account toward its balance.
- Which Card? now includes your debit card and knows Discover's 5% categories for October to December.
- Payoff charts now start from your card balance today.
- New accounts see what to add first, one tip at a time, instead of empty totals.
- The Forgenta logo shows while the app starts, instead of a blank screen.
- Fixes to the forecast, the app lock, and signing out on one device.

### 6.8 — 2026-09-25

New
• Share your debt-free date: tap Share next to Payoff ETA to get an image of the month you'll be card-debt-free, with no balances on it.
• Savings goals with a date can start with smaller transfers while you pay down card debt, then rise to still finish on time.
• Push notifications now work on iPhone.
• The app opens straight to your last-loaded numbers and refreshes them in the background.

Smarter money math
• The payment plan holds back enough this month to cover a bigger bill coming next month.
• The forecast no longer plans card payments that would drop your cash below its safe minimum.
• If you pay your cards from a different account, the forecast now takes the payment from that account.
• The Garage shows only the money you set aside for a car, not your whole checking balance.

Easier to read
• Dark mode has a richer slate background, and gold text in light mode is darker.
• Error messages now match your light or dark theme.
• Shorter, clearer notes on Plan, Transactions, Partner Link, the leaderboard and payment recommendations. Pick your leaderboard country from a list.
• Small labels grow with your text size setting, and hint text is no longer cut off on smaller phones.

Accessibility
• Every button, field and pop-up now tells screen readers what it is. Escape closes pop-ups, and Tab stays inside them.

Fixes
• Fixed the app sometimes opening to a blank screen.

### 6.7 — 2026-09-19

Small optimizations compound over time, same principle your budget runs on. This release clears a few debts in our codebase: performance improvements, stability fixes, and a smoother experience under the hood.

### 6.5 — 2026-09-04

Small optimizations compound over time, same principle your budget runs on. This release clears a few debts in our codebase: performance improvements, stability fixes, and a smoother experience under the hood.

### 6.4 — 2026-08-26

Small optimizations compound over time, same principle your budget runs on. This release clears a few debts in our codebase: performance improvements, stability fixes, and a smoother experience under the hood.

- Manual users get the committed term too, and the vehicle loan comes back out of it
- The automatic floor is now a real per-month figure, and stops projecting negative
- The floor can be calculated automatically each month, and now is by default
- Re-linking a bank now supersedes the old connection to it, automatically
- A user may rename a linked account, and the sync will not take it back
- Card rows on the Debt page now always show your next payment and when it is due, and the forecast explains which statement it is holding cash back for.
- Your net worth, cash, investments, retirement, and card debt now sit in one always-visible strip at the top of the Dashboard, and the duplicate copies of those numbers around the app have been removed
- Card rate tiers can now carry a monthly instalment amount, so fixed 0% plans like Chase Equal Pay are paid on schedule instead of being treated as if they will reprice.
- The debt planner now holds back what your next statement needs, so it stops recommending a payment to a lower-rate card that would cost you a higher-rate card's grace period.

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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 2026-10-12.*