# ksak: Budget Planner & Bills — Expense & Spending Tracker > Clean and powerful money tracker for understanding personal finances across multiple currencies. (iPhone/iPad app by Raf Tadevosyan.) - Source: https://appshunter.io/ios/app/ksak-budget-planner-and-bills/id6758606583 (this page in markdown: same URL + `.md`) - Developer: [Raf Tadevosyan](https://appshunter.io/developer/1873905022) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 5.00/5 from 2 App Store ratings · 5 written reviews indexed - Age rating: 9+ - Requires: iOS 16.4 · 72 MB - Languages: American English - Released: 2026-02-20 - Data updated: 2026-10-26 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/ksak-budget-planner-and-bills/id6758606583/reviews.md ## What is ksak? Bills first. Then spend. ksak plans the money that's already spoken for, then shows what's safe to spend. PLAN • Safe to spend: what's left after upcoming bills, recurring payments, budgets and savings goals, for today, this week or this month • Recurring income and bills: salary, rent, phone, subscriptions, counted before they hit • Expected items: add a future bill or payment once and see it in your plan • Budgets by category, with the most urgent on Home • Savings accounts work like a piggy bank, with one goal that counts everything you add SEE • Planned balance for the end of this month, next month or three months ahead • Insights: tap any part of a chart to see what you spent in that category • 150+ currencies, with one total across them • Separate accounts for personal, business, savings, debt and investments • Debt accounts: record payments and see the month you'll be debt-free KEEP • No bank login: you add what matters, nothing is pulled from your bank • No ads • Face ID and PIN lock • Works without an account; optional sign-in to sync • Export your data at any time • Daily logging streaks and a daily money tip, also as a Home Screen and Lock Screen widget SUBSCRIPTION ksak is a subscription: monthly or yearly, with every feature included. Any introductory offer your account is eligible for is shown before you subscribe. Payment is charged to your Apple Account at confirmation of purchase. The subscription renews automatically unless it is cancelled at least 24 hours before the end of the current period, and your account is charged for renewal within 24 hours before the end of the period. Manage or cancel in your App Store account settings. If a subscription ends, your data stays readable and can always be exported. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://ksak.app/privacy ## Key features - Simple income and expense tracking - Multiple account management - Support for 145+ currencies - Budget creation and tracking - Savings goal setting - Analytics and spending trends - Offline functionality ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Premium | $9.99 | per month | | Premium | $44.99 | per year | **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | Premium Lifetime | $149.99 | one-time | ## Is ksak safe? Not enough ratings yet to assess ksak. ## Is ksak legit? ksak: Budget Planner & Bills appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for ksak is 65 out of 100 points across 7 verification signals from App Store and developer data. ## Recent user reviews (5 of 5) All indexed reviews: https://appshunter.io/ios/app/ksak-budget-planner-and-bills/id6758606583/reviews.md ### 5/5 — Great App *2026-06-01* Clean design and very easy to use. I love the safety aspect of data being only in my local device ### 5/5 — Managing fortnightly pay *2026-04-12* I get paid fortnightly and always struggled to stretch it. Now I put in my pay and roughly map out bills and groceries. Seeing it laid out makes it feel more real. I still mess up sometimes but at least I know why instead of guessing. ### 5/5 — Holiday budget lifesaver *2026-04-11* Used it on a short trip up the coast to keep track of food, fuel and accom. Didn’t want to blow the whole budget in two days. I’d quickly log things while waiting for coffee. Was kinda eye opening seeing how much we spent on eating out lol. ### 5/5 — THE APP I DIDNT KNOW I NEEDED!!! *2026-03-26* This app is a lifesaver, helped me track my finances and manage them more efficiently! ### 5/5 — The best expense tracking app available *2026-03-25* Really clean and easy to use expense tracking app,,helps me stay on top of my spending without overcomplicating things… definitely recommend if you want something simple and effective ## Frequently asked questions about ksak ### What is ksak? ksak is a money tracking application designed to help users understand their finances without complexity. It allows for tracking income and expenses, managing multiple accounts, setting budgets, and creating savings goals. ### Does ksak have ads? Yes, ksak contains advertisements. The app is free to download and use, with optional in-app purchases for premium features. ### What are the premium features in ksak? ksak Premium unlocks features such as multiple accounts, unlimited transfers, budgets, savings goals, expected income and expenses, recurring transactions, trend analytics, and advanced planning tools. ### Can I use ksak offline? Yes, ksak works offline in local mode without requiring an account. Optional cloud sync is available for accessing data across multiple devices. ### How many currencies does ksak support? ksak supports tracking money across over 145 currencies, making it ideal for travelers, freelancers, and anyone managing finances in multiple currencies. ### What is the age rating for ksak? ksak has an age rating of 9+, indicating it is suitable for users aged 9 and above. ### How often is ksak updated? The latest version of ksak was released on April 28, 2026, with version 2.0.1. This suggests a recent update, indicating ongoing development and support. ### What devices is ksak available on? ksak is available on iPhone, iPad, and iPod devices, indicating compatibility with Apple's iOS ecosystem. ## Version history (last 5 releases) ### 3.0.0 — 2026-10-22 ksak 3.0 is the biggest update yet. • Safe to spend on Home, with your planned balance, bills, budgets and goals behind it • A new design across every screen, dark and easier to read • New: Debt accounts and Investment accounts • Savings accounts work like a piggy bank, with one goal that counts everything you add • Insights: tap any part of a chart to see what you spent in that category Already using ksak? Everything you had stays, and your data is untouched. ### 2.0.1 — 2026-04-28 Improved modal responsiveness across iPhone and iPad sizes. Transaction, Budget, Savings Goal, and Balance Update sheets now resize more reliably on small screens like iPhone SE and larger iPad layouts. This update also improves keyboard behavior so form content stays visible while the numpad or keyboard is open. ### 2.0 — 2026-04-27 ksak 2.0 is here with a cleaner design, faster tracking, and smarter planning. New in this update: * Redesigned Home, Add Transaction, Analytics, Settings, and Account screens * New Budgets and Savings Goals * Weekly Safe to Spend * Exchange and Transfer are now inside Add Transaction * Faster interactions, smoother modals, and improved navigation * Bug fixes, stability improvements, and cleaner details across the app ### 1.9.5 — 2026-04-07 Bug fixes and performance improvements. ### 1.8.14 — 2026-04-02 Bug fixes and performance improvements. ## Apps similar to ksak | App | Rating | Price | Category | | --- | --- | --- | --- | | [Auto & Car Insurance: Canyon](https://appshunter.io/ios/app/auto-and-car-insurance-canyon/id6756651332) | 4.5 (15) | Free | Finance | | [Loans & Money: AI Debt Coach](https://appshunter.io/ios/app/loans-and-money-ai-debt-coach/id6752695282) | 4.5 (15) | Free | Finance | | [SatPak : Bitcoin Wallet](https://appshunter.io/ios/app/satpak-bitcoin-wallet/id6752948564) | 4.5 (83) | Free | Finance | | [Bitcoin Wallet - BTC & Crypto](https://appshunter.io/ios/app/bitcoin-wallet-btc-and-crypto/id6765543349) | 4.4 (57) | Free | Finance | | [Ethereum Wallet - ETH & Tokens](https://appshunter.io/ios/app/ethereum-wallet-eth-and-tokens/id6755205733) | 3.4 (17) | Free | Finance | | [Credit Booster AI: Fix & Build](https://appshunter.io/ios/app/credit-booster-ai-fix-and-build/id6745273424) | 4.7 (107) | Free | Finance | ## More apps by Raf Tadevosyan - [bldpr: Blood Pressure Log](https://appshunter.io/ios/app/bldpr-blood-pressure-log/id6761711637) - [ktak: Simple Invoice Maker](https://appshunter.io/ios/app/ktak-simple-invoice-maker/id6814668070) All apps by Raf Tadevosyan: https://appshunter.io/developer/1873905022 --- *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 2026-10-26.*