# Gem - Money tracker — Spending budget & bills

> Personal finance tracker for budgeting, expenses, bills, and savings goals. (iPhone/iPad app by Oz Pinhas.)

- Source: https://appshunter.io/ios/app/gem-money-tracker/id1437054263 (this page in markdown: same URL + `.md`)
- Developer: [Oz Pinhas](https://appshunter.io/developer/1437054262)
- Category: Finance, Productivity
- Price: $0.49 with in-app purchases
- Rating: 4.80/5 from 89 App Store ratings · 140 written reviews indexed
- Age rating: 4+
- Requires: iOS 18.6 · 42 MB
- Languages: American English, Hebrew
- Released: 2021-02-15
- Data updated: 2026-08-23
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/gem-money-tracker/id1437054263/reviews.md

## What is Gem?

Log expenses and stay on budget.
No subscription. In-app purchases are tips :)

BUDGET
- Daily, weekly, monthly and yearly
- Average & daily spending, breakdown by category
- Compare against same day last month
- Rearrange your budgets, and other lists
- Explore your costs and salary over time

ORGANIZE
- By category, budget, wallet, account, tag…
- Customize category colors & icons (500+ from Apple)
- Favorite accounts, custom sorting, merge categories
- Add attachments and receipts

BILLS
- Repeat: day, week, month, year
- View paid & upcoming subscriptions

MONEY TOOLS
- Savings goals, income, transfers, balance
- Multiple currencies, exchange rates
- Calculator & journal view

WALLET SYNC & AUTOMATIONS
- Instant recording when paying in store with Apple Pay (requires setup)
- Auto-organize expensesbased on merchant names
- App shortcuts and “Send to Gem” in share sheet
- Import CSV files, sub-categories, notes. Import into specific wallet. Skip duplicates when importing
- Export everything

MORE
- Customize the way your create entries
- Widgets. Lock Screen shortcut
- Daily iCloud backup
- Daily reminders
- Custom main screen, list layouts, app menu and theme
- Insights in search results

PREVIEW FEATURES
May not work as expected :)
- Type “Rent” → it’s categorized in “Household”
- Detect receipt prices from attachments


Need help? Have a suggestion?
Email me at human@shelftwo.com.

Terms & privacy: shelftwo.com/gem/terms

## Key features

- Budgeting (daily, weekly, monthly, yearly)
- Expense organization by category
- Bill tracking and reminders
- Savings goals and income tracking
- Apple Pay integration for instant recording
- CSV import/export
- Customizable categories with icons

## Pricing and in-app purchases

Base price: $0.49.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Amazing tip | $2.99 | one-time |
| Thanks tip | $0.99 | one-time |
| Spectacular tip | $4.99 | one-time |
| Gem Powerpack | Free | one-time |


## Chart rankings

- #170 in Top Paid · Finance (US App Store)

## Recent user reviews (10 of 140)

All indexed reviews: https://appshunter.io/ios/app/gem-money-tracker/id1437054263/reviews.md

### 5/5 — Meilleur application de gestion de budget !

*2026-07-25*

Cette application a une interface très originale et très intuitive pour gérer son budget. On a la possibilité de créer plusieurs portefeuilles (compte courant, livret A, PEA) et de leur donner des objectifs indépendants. Mais le gros + de cette application c’est l’automatisation que propose le dev avec l’application « Raccourci ». Des que vous faites un paiement avec Apple Pay, il est automatiquement enregistré dans Gem et ça c’est vraiment game changer. Je recommande à 1000% !
NB : il y a la possibilité d’exporter ses données en CSV et donc de pouvoir faire des analyses plus approfondies sur Excel par exemple.

### 4/5 — App is started at update screen

*2026-05-15*

Hi

After updating the app and opening the app, it stuck with “Please update your app to keep sharing with your partner “. The same is persisting even after updating in my parter’s app

### 4/5 — Problema

*2026-05-15, version 4.0.2*

Me encanta la app, mi esposa y yo la usamos. Pero de pronto ya no nos dejó acceder a nuestro budget compartido. Solo dice que hay que actualizar la app, pero la app ya está actualizada. 
Me pueden ayudar a arreglar esto porfavor. 
Gracias

### 5/5 — Very Good

*2026-04-30, version 4.0.1*

Fantastic UI and UX, perfect shortcut sync with wallet, only missing the ability to sync data, so you can share tracking with a partner and see expenses added from multiple phones to the same account

### 5/5 — Great App

*2026-04-21, version 4.0.1*

Very useful, simple and easy to use

### 4/5 — Great job

*2026-04-07, version 4.0.1*

The app is great, but here’s a suggestion for improvement: the controls could be made even simpler and better, like in Things 3.

### 5/5 — Fantastic app!

*2026-03-09*

I’ve been a Nudget user for many years and have been looking for a replacement with just a bit more functionality. Gem is exactly what I was looking for - multi-currency is nice and the categorization is just super flexible.
The app really feels at home on iOS by following the platform conventions but adding its own personality on top.

**Developer response:** Thank you so much!! I’m happy Gem feels like the right step up for you 🙏❤️ I'm also an indie app developer like Nudget, so your kind words mean a lot :)

### 5/5 — Amazing app. Exactly what I was looking for.

*2026-02-04*

One addition I would suggest will be addition of Credit Cards. What will be helpful in tracking.

**Developer response:** Thank you 🙏❤️ Sorry for the confusion, you can add credit card by going to Summary > Tap "edit" next to "Wallets" > New wallet, then tap the newly added item on the list > Tap "edit" > Set the month start day as your billing cycle. I'm planning to simplify this in the next release

### 5/5 — The best one

*2026-02-04, version 3.8.4*

I love it. Modern UI, full features, clean and smooth.

### 1/5 — Terrible UI

*2026-02-02, version 3.8.4*

Cannot view spend split in pie chart or even select the date range.
Worst app purchase ever

## Frequently asked questions about Gem

### What does the Gem money tracker app do?

This app helps you log expenses, stay on budget, and organize your financial life. It provides tools for daily, weekly, and monthly budgeting, tracks bills, and helps you set savings goals. You can also organize expenses by category, wallet, or tag, and add attachments like receipts.

### What are the key features of this money tracker?

Key features include customizable budgeting options, expense organization with custom category colors and icons, bill tracking for recurring expenses, savings goals, income tracking, and multiple currency support. It also offers wallet sync with Apple Pay for instant recording and the ability to import/export data via CSV.

### Is this app free to use? What about in-app purchases?

The app is free to download and use. The description mentions that in-app purchases are in the form of tips, indicating that core functionality is free. There is no subscription required.

### What devices is this app compatible with?

While not explicitly stated, the mention of 'Apple Pay' and 'Apple icons' suggests strong compatibility with iOS devices. The app also mentions 'iCloud backup' and 'Widgets' and 'Lock Screen shortcut', which are iOS-specific features.

### How can I use this app to manage my bills?

The app allows you to track bills by setting them to repeat daily, weekly, monthly, or yearly. You can view both paid and upcoming subscriptions, helping you stay on top of your recurring expenses and avoid late payments.

## Version history (last 5 releases)

### 4.0.4 — 2026-08-15

Bug fixes including category autocomplete in Russian, and sharing with partners.
Thanks for the feedback!

### 4.0.3 — 2026-05-24

Fixes partner sharing beta screen getting stuck and blocking the app

### 4.0.2 — 2026-05-13

When choosing categories for a new entry, you’ll now see your recently used categories, not just your all-time most used

### 4.0.1 — 2026-03-03

- Categories can now be marked as income or expenses
- Journal now always scrolls to today (instead of jumping to the future)
- Reordering categories is working again, sorry about that
- Amount rounding is working again, sorry about that too
- Income screen: all future entries now show up (including non-recurring)
- Other small bug fixes

Thanks for reporting bugs and sharing your feedback, buddies - please keep them going :) I'm always available even if I reply late at hey@shelftwo.com. Stay safe everyone

### 4.0 — 2026-02-19

Celebrating 5 years of Gem, thanks buddies!

New
---
- Explore your Summary (beta): See expenses and income across time periods, categories and wallets
- Income categories: Organize income separately from expenses
- Track income in Summary (Tap "edit" next to "Savings" group > Add > Choose income)
- Set Summary as start screen (Settings > Appearance)
- Reorder Summary lists: Move wallets to the tap (Settings > Summary > Edit under Lists)
- View your expenses as a simple list (Tap ••• in Journal)
- Daily spending in Journal: See how much you spent every day (Settings > Journal)
- Daily spending in widgets: Track daily totals from your home screen (you may need to re-add widgets)
- Smarter CSV import: Ignore duplicates when importing (See Options when importing)

Improvements
------------
- Siri Shortcuts: Now support wallets and sub-categories
- iOS 26 love: Liquid Glass buttons, smoother scrolling, updated bottom menu, optional floating add button (Settings > Appearance)
- Faster month switching: New time period menu in Journal & Summary
- Better category search: Typing "drinks" finds "Food & Drinks"
- Tap "Unknown" in Summary to review uncategorized entries in category breakdown
- Unlimited breakdowns: Tap any expense or income item to deep dive into balance factors
- Improved search: Results grouped by month, oldest first, cleaner layout
- Set default income category (Settings > New entries)
- CSV import summary: See what was imported, skipped, or failed
- Cleaner amounts: Decimals (7.99) now appear smaller for better readability
- Decimals (.89 or ,89) are displayed in a smaller size
- Custom expense/income toggle: Adjust how you switch entry types (Settings > New entries > Amount)
- Redesigned settings for categories, wallets, income & bills
- Faster delete confirmations

Bug fixes
---------
- All-new CSV file & error handling, thanks to AI
- Bar charts no longer disappear when switching screens
- Reordering Summary works properly when you don't use groups
- Notes search now actually finds your notes
- Month start day no longer shifts when editing Summary screens
- Smoother scrolling when editing categories and wallets
- Importing CSV files crashes less often
- CSV import now respects your selected data format and deselected columns
- Goodbye quirky animations when viewing entry details
- Search insights no longer mix income and expense
- Fixes glitches after deleting a default category or wallet
- Fixes export option in some Summary screens

Thanks for all the feedback and bug reports dear friends, keep them coming :) Email me at human@shelftwo.com

## Apps similar to Gem

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Track Spending : Wise Budget](https://appshunter.io/ios/app/track-spending-wise-budget/id6444917344) | 4.8 (2,961) | Free | Finance |
| [Budget Planner: Budget, Bills](https://appshunter.io/ios/app/budget-planner-budget-bills/id1300458193) | 4.3 (2,324) | Free | Finance |
| [Monefy: Bills & Money Tracker](https://appshunter.io/ios/app/monefy-bills-and-money-tracker/id1212024409) | 4.7 (6,638) | Free | Finance |
| [PocketGuard・Budget Planner App](https://appshunter.io/ios/app/pocketguardbudget-planner-app/id949414211) | 4.6 (7,664) | Free | Finance |
| [Checkbook - Account Tracker](https://appshunter.io/ios/app/checkbook-account-tracker/id484000695) | 4.3 (14,252) | Free | Finance |
| [Expenses: Spending Tracker](https://appshunter.io/ios/app/expenses-spending-tracker/id1492055171) | 4.8 (1,798) | Free | Finance |

## More apps by Oz Pinhas

- [Words on the street](https://appshunter.io/ios/app/words-on-the-street/id6446200040)

All apps by Oz Pinhas: https://appshunter.io/developer/1437054262

## Related topics

[nudget](https://appshunter.io/ios/topics/nudget)

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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 2026-08-23.*