Joa: Expense Tracker

Joa helps you organize your accounts and understand how your net worth changes over time. Log your transactions and keep a single view of your personal finances, without connecting your bank or creating a Joa account. YOUR ACCOUNTS AND TRANSACTIONS Log income, expenses and transfers. Add categories and notes, review your activity and choose which accounts count toward your net worth. RECURRING EXPENSES Keep your regular payments organized and check their calendar so upcoming ones never catch you off guard. NET WORTH AND INSIGHTS See balances, statistics and how your net worth evolves. Work with 31 currencies, using European Central Bank and market reference rates. WIDGETS Check your net worth, upcoming payments and this month's flow on your Home Screen and Lock Screen. YOUR DATA, WITH YOU Work offline and sync your records across devices through your private iCloud. Protect access with Face ID or a Joa PIN, create password-encrypted backups and export your transactions to CSV. OPTIONAL SHORTCUTS Set up a Wallet automation in Shortcuts to log compatible Apple Pay payments. It requires setup and permissions on your iPhone; Joa's main features work without it. Joa does not connect to your bank or provide financial advice. Calculations depend on the data you enter. Requires iOS 26 or later.