# KaiOro: Expense Tracker — Private Budget, No Bank Link

> Private Budget, No Bank Link (iPhone/iPad app by Stephen Messing.)

- Source: https://appshunter.io/ios/app/kaioro-expense-tracker/id6816241048 (this page in markdown: same URL + `.md`)
- Developer: [Stephen Messing](https://appshunter.io/developer/6816241050)
- Category: Finance
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 15.0 · 117 MB
- Languages: American English, French (France), German (Germany), European Portuguese, European Spanish
- Released: 2026-10-20
- Data updated: 2026-11-12

## What is KaiOro?

KaiOro is the expense tracker and budget planner that respects your time and your data: log expenses and income in seconds, plan a monthly budget and reach your savings goals. No ads, no bank account linking, and your data stays on your phone.

LOG EXPENSES IN SECONDS
Category, amount, done: three steps and the expense is saved. Prefer not to type? Say it out loud or snap a photo of the receipt: KaiOro suggests the entry and you check it before saving.

MONTHLY BUDGET AND SAVINGS GOALS
Set a budget per category and see right away what is left this month. Create savings goals linked to your accounts and follow your real progress.

ACCOUNTS, CREDIT CARDS AND FINANCING
Cash, bank account and credit card in one place. Track installment purchases and loans, recurring payments and transfers between your accounts. Unlimited categories and subcategories, even on the free plan.

MULTI-CURRENCY WITHOUT TRICKS
Accounts in dollars, euros, reais, pesos or guaraníes. KaiOro never invents an exchange rate: it keeps the original amount and tells you when a rate is missing. With Plus you record payments in a foreign currency, ideal for travel expenses: KaiOro converts them to the account currency at the day's official reference rate. Your totals always show in your base currency.

REPORTS YOU CAN READ
See where your money goes each month: the categories that weigh most, your monthly spending and how much you managed to save, step by step.

YOUR DATA, YOUR CONTROL
Everything is stored on your phone and works offline. No forced account, no bank access, no ads. Import your transactions from another app with a CSV file and export whenever you like. Optional encrypted cloud backup: only you hold the key. Unlock with Face ID or your iPhone passcode.

LEARN IN MINUTES
18 short, free lessons with real app screens in the KaiOro Academy: getkaioro.com/en/academy

FREE OR KAIORO PLUS
The free plan includes quick entry, reports, unlimited categories, CSV import, backup and export, with up to 3 accounts, 3 budgets, 3 goals, 3 recurring payments and 5 financing plans, plus 5 voice or receipt-photo entries a month (10 in the first month). KaiOro Plus removes the limits and adds deeper reports, foreign-currency entries, sync across devices, a package for your accountant, a crypto portfolio and unlimited voice and photo entries. Optional monthly or yearly subscription.

KAIORO PLUS
Optional monthly or yearly subscription that renews automatically. Payment is charged to your Apple Account at confirmation of purchase, and the subscription renews unless you cancel it at least 24 hours before the end of the current period in your account settings.
Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy: https://getkaioro.com/en/privacy

Languages: English, Spanish, Portuguese, German and French.

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| KaiOro Plus monthly | $6.99 | per month |
| KaiOro Plus yearly | $59.99 | per year |


## Is KaiOro safe?

Not enough ratings yet to assess KaiOro.

## Is KaiOro legit?

KaiOro: Expense Tracker has limited verification signals. The AppsHunter Legitimacy Score for KaiOro is 50 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 3 releases)

### 1.0.3 — 2026-11-05

New: Kai help. Ask Kai how KaiOro works and get the answer in your language, without using your free uses. Kai guides you through some tasks, explains where numbers come from and can read the short version aloud. If your question to Kai is unclear, Kai asks before answering: suggested topics first, then the part of the app. If a sentence could record the wrong thing, Kai warns first. Financing can start on the 29th to 31st, and Recurring items return to their day after short months.

### 1.0.2 — 2026-10-31

Plan what's coming: a payment calendar, a forecast to your next payday and installments in one place. KaiOro tells you when a subscription got pricier and helps you set money aside for yearly bills. New savings coach: move what you saved to a goal and try "What if…?". Kai answers your savings rate and understands corrections. If you use Kai, download its model again in Settings.

### 1.0.1 — 2026-10-20

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 2026-11-12.*