# Iponaryo: AI Budget Tracker — Personal & Business Expenses

> Personal & Business Expenses (iPhone/iPad app by IVEN DIONEDA.)

- Source: https://appshunter.io/ios/app/iponaryo-ai-budget-tracker/id6761019314 (this page in markdown: same URL + `.md`)
- Developer: [IVEN DIONEDA](https://appshunter.io/developer/1887338134)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 15.1 · 39 MB
- Languages: American English
- Released: 2026-03-27
- Data updated: 2026-07-07
- User reviews in markdown: https://appshunter.io/ios/app/iponaryo-ai-budget-tracker/id6761019314/reviews.md

## What is Iponaryo?

Iponaryo is an AI expense tracker and budget tracker built for personal finance and business cashflow. Track expenses, income, accounts, and transfers in one clean workspace designed to help you stay organized, move faster, and understand your money more clearly.

Log daily spending, record income, review transaction history, and monitor balances without the clutter of traditional finance apps. Iponaryo gives you a practical way to manage personal budgets, business expenses, and everyday cashflow from one place.

Iponaryo also includes AI-powered quick capture to turn natural language and voice input into ready-to-review entries before anything is saved. You stay in control by checking drafts first, making it easier to record expenses, income, and multiple transactions with less manual work.

Use Iponaryo across your mobile app and progressive web app workflow, with backup and restore support to help keep your workspace available across devices when needed.

Features:

AI expense tracker for faster daily entry
Budget tracker for personal and business spending
Income tracker for salary, payouts, and other earnings
Cashflow visibility and balance tracking
Personal and business workspaces
Account, category, and transfer management
Transaction history and latest activity review
AI-powered text and voice capture
Draft review before saving
Backup and restore across devices
Progressive web app access for flexible use
Whether you need an expense tracker, AI expense tracker, budget tracker, business tracker, or AI-powered finance workspace, Iponaryo helps you keep your records clean and your money easier to understand.

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://iponaryo.aybennn.shop/privacy-policy

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Iponaryo Premium Monthly | $4.99 | per month |
| Iponaryo Premium Yearly | $49.99 | per year |



## Version history (last 2 releases)

### 1.2 — 2026-04-02

What’s New in 1.2

Added receipt scanning for faster expense capture
Improved AI quick capture for voice and natural language entry
Added Sign in with Apple and improved Google and email sign-in flows
Added in-app account deletion for easier account control
Improved cloud backup, restore, and cross-device access
Refined onboarding, settings, and overall app stability

### 1.0 — 2026-03-27

No release notes.

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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 2026-07-07.*