# Karma: Spending Tracker — Build better spending habits

> Build better spending habits (iPhone/iPad app by Moay Zi Xuan.)

- Source: https://appshunter.io/ios/app/karma-spending-tracker/id6557056797 (this page in markdown: same URL + `.md`)
- Developer: [Moay Zi Xuan](https://appshunter.io/developer/1158544639)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 17.0 · 12 MB
- Languages: English, French, German, Japanese, Korean, Portuguese, Chinese, Spanish, Chinese
- Released: 2024-10-24
- Data updated: 2026-05-16
- User reviews in markdown: https://appshunter.io/ios/app/karma-spending-tracker/id6557056797/reviews.md

## What is Karma?

# Low-friction manual tracking
Break the cycle of automated systems that you forget about. Manual tracking helps you think before you spend. Karma’s low-friction, 2-step flow makes manual tracking quick and easy, helping you stay mindful of your spending.

# Flexible monthly budgets
Stay on track without feeling restricted. Unused budgets roll forward, giving you the flexibility to save or spend more as your needs change.

# Track recurring subscriptions
Track recurring subscriptions and receive timely reminders for upcoming charges. See your total spending on any service at a glance.

# Currency conversion
Track your travel expenses in any foreign currency with ease. We support over 150 currencies, all available for free.

# Widgets, Controls, Siri, Shortcuts
Designed to fit perfectly into your Apple ecosystem. Use Widgets and Controls for 2-step expense tracking, log expenses with Siri, or customize Shortcuts to suit your workflow.

# Works beautifully on Apple Watch
Track your spending directly from your wrist. With customizable Complications and Widgets for your Smart Stack, Karma ensures you can manage expenses with just a few taps.

# Privacy
Your data stays secure. Karma syncs seamlessly across iPhone and Apple Watch via iCloud, with no third-party access or bank account linking required.

Privacy policy: https://www.inthemiddle.dev/karma/privacy-policy
Terms and conditions: https://www.inthemiddle.dev/karma/terms-and-conditions

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Monthly | $1.99 | per month |
| Yearly | $14.99 | per year |



## Version history (last 1 release)

### 1.0 — 2024-10-24

No release notes.

## Apps similar to Karma

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Terrific Spending Tracker](https://appshunter.io/ios/app/terrific-spending-tracker/id6748836549) | — | $0.99 | Finance |
| [CashOwl: Money Budget Tracker](https://appshunter.io/ios/app/cashowl-money-budget-tracker/id6745316906) | — | Free | Finance |
| [Expensely - Spending Tracker](https://appshunter.io/ios/app/expensely-spending-tracker/id6752722252) | — | Free | Finance |
| [Expenfy: Simple Budget Planner](https://appshunter.io/ios/app/expenfy-simple-budget-planner/id6686409264) | — | Free | Finance |
| [PriceConvert](https://appshunter.io/ios/app/priceconvert/id1343838456) | 5.0 (2) | Free | Finance |
| [HeyBill Expense Manager](https://appshunter.io/ios/app/heybill-expense-manager/id6738433828) | — | Free | Finance |

## More apps by Moay Zi Xuan

- [HabitGrids: Habit Tracker](https://appshunter.io/ios/app/habitgrids-habit-tracker/id6447490130)

All apps by Moay Zi Xuan: https://appshunter.io/developer/1158544639

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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 2026-05-16.*