# Gilt: Expense & Budget Tracker — Spending, bills & net worth

> Spending, bills & net worth (iPhone/iPad app by Harutyun Aristakesyan.)

- Source: https://appshunter.io/ios/app/gilt-expense-and-budget-tracker/id6790835958 (this page in markdown: same URL + `.md`)
- Developer: [Harutyun Aristakesyan](https://appshunter.io/developer/1888790900)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 26.0 · 14 MB
- Languages: American English, Dutch, French (France), German (Germany), Indonesian, Italian, Japanese, Korean, Polish, Brazilian Portuguese and 7 more
- Released: 2026-07-26
- Data updated: 2026-08-29
- User reviews in markdown: https://appshunter.io/ios/app/gilt-expense-and-budget-tracker/id6790835958/reviews.md

## What is Gilt?

Gilt is a personal finance tracker that respects two things most finance apps don't: your money and your privacy.

START FREE, SUBSCRIBE WHEN IT STICKS
Every feature is unlocked from first launch — no account, no card, no countdown. The free start covers your first 10 transactions across 5 different days. After that, a subscription ($2.49/month or $19.99/year, about $1.67 a month) keeps recording; a family plan and a one-time lifetime purchase are also available. And a promise: your data is never held hostage — everything you've recorded stays readable and exportable, free, forever.

YOUR DATA NEVER LEAVES YOUR ICLOUD
Gilt has no servers. Everything is stored on your iPhone and synced through your personal iCloud, end to end. We couldn't read your data even if we wanted to — there is nothing on our side to read it with. No analytics, no tracking, no ads. Ever.

BRING YOUR OWN AI
Instead of selling you another built-in chatbot, Gilt works with the AI you already use. Importing history? Hand your bank statement to your AI with Gilt's prepared prompt and it converts the statement into a file Gilt verifies and imports — works with any bank in the world. Analyzing? Export a structured, privacy-filtered snapshot and ask Claude, ChatGPT, or any assistant. You review everything before anything is saved; merchant names and notes stay out of exports unless you say otherwise.

EVERYTHING A REAL TRACKER NEEDS
Unlimited accounts — checking, savings, cash, credit cards with utilization, loans with payoff schedules, deposits with interest. Budgets with per-category allocations and honest pace projections. Recurring payments and bills. Reports: spending by category, income vs expense, net worth over time. Multi-currency done properly, with transfers and exchange rates.

FOR YOU AND YOUR FAMILY
The family plan shares your household through iCloud between your own Apple accounts. Two people, one clear picture of the money — still with no server in the middle.

AND THE DETAILS
Home-screen widgets, Face ID app lock, CSV import and export, search, custom categories and tags, beautiful native design built entirely with Apple's latest frameworks.

Gilt compares you with you — your own history, your own pace — never with strangers' averages. Your finances are personal. Your finance app should be too.


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

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Gilt Pro | $2.49 | per month |
| Gilt Family | $4.49 | per month |
| Gilt Family (Yearly) | $36.99 | per year |
| Gilt Pro (Yearly) | $19.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Gilt Lifetime | $69.99 | one-time |



## Version history (last 5 releases)

### 1.4 — 2026-08-21

Gilt 1.4 — Reports, rebuilt.

• Seven new reports: income by source, spending by merchant and by account, savings rate, largest expenses, recurring vs one-off, and net worth from 1 week to all time
• Charts follow Apple's design canon: headline numbers always visible, scrub any time series, tap a category to open its transactions
• Pick 3, 6 or 12 months right on the page
• A simpler start: no countdown timer — every feature is free while you get started, and everything you record stays readable and exportable forever, subscription or not
• Better layouts at the largest accessibility text sizes, plus fixes throughout

### 1.3 — 2026-08-17

Gilt 1.3 — the biggest update yet.

• Search everywhere: accounts, transactions, categories, merchants, tags and rules
• Goal milestones: Gilt marks the moments that matter — like crossing half — with pace and projection
• Months kept: the Budget tab shows your last six months as honest segments. Nothing resets
• AI statement import: clear progress, instant cancel, cleaner previews
• New app icon, refreshed launch screen, and VoiceOver improvements throughout
• Dozens of dark mode and color refinements

No account. No tracking. No servers — your data stays in your own iCloud.

### 1.2.1 — 2026-08-08

Gilt 1.2.1 — reliability update:
• Household sharing is now rock-solid: your partner's changes appear right away, and every transaction stays safe when sharing stops.
• Interest, goals and imports are more precise — ambiguous amounts and currency mismatches are caught before they reach your ledger.
• App Lock now also hides amounts in widgets and Siri answers.
• Faster, quieter syncing and many translation fixes.

### 1.2 — 2026-08-05

Gilt 1.2 — household sharing that just works, shared currencies, Savings Goals, and Siri.

• Household sharing, rebuilt end to end: create or join a household and everything either of you adds — accounts, categories, transactions — now reliably appears on the other person's device.
• Shared currencies: your household's currency list and exchange rates are shared, so both of you finally see identical totals. Which currency you view totals in stays your own personal choice.
• One daily exchange-rate snapshot keeps every device on the same numbers — no more totals that differ by a few units between phones.
• Savings Goals: goals funded by real money in your accounts, with progress computed from what's actually there — plus a new Goal widget.
• Siri & Shortcuts: log expenses by voice in any of Gilt's 17 languages, with new Control Center controls.
• A big accessibility and localization pass, and many smaller fixes.

### 1.0 — 2026-07-26

No release notes.

## Related topics

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

---

*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.*