# M Budget: Expense Tracker — Money Manager & Planner

> Simple, private expense tracker with on-device storage and financial management tools. (iPhone/iPad app by 海燕 赵.)

- Source: https://appshunter.io/ios/app/m-budget-expense-tracker/id6780538389 (this page in markdown: same URL + `.md`)
- Developer: [海燕 赵](https://appshunter.io/developer/6780315706)
- Category: Finance, Utilities
- Price: Free
- Rating: 5.00/5 from 1 App Store ratings · 1 written reviews indexed
- Age rating: 4+
- Requires: iOS 17.2 · 14 MB
- Languages: American English
- Released: 2026-06-18
- Data updated: 2026-08-19
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/m-budget-expense-tracker/id6780538389/reviews.md

## What is M Budget?

M Budget — Expense Tracker & Budget

Take control of your money without the monthly fee. M Budget is a beautiful, private personal finance app that makes tracking your spending effortless — pay once, use forever.

No subscription. No ads. No account required. Your data stays on your device.

WHY M BUDGET
• One-time purchase — no recurring subscription, ever
• Private by design — runs on-device, no sign-up, no tracking
• Genuinely simple, genuinely powerful

TRACK EVERYTHING, EFFORTLESSLY
• Log expenses, income, and transfers in seconds
• Organize with rich categories and subcategories
• Multiple accounts: cash, bank, credit cards, loans, and savings
• Beautiful charts — see where your money goes by day, month, quarter, or year
• Calendar view, net-worth trends, and savings-rate analysis

SMART BUDGETS
• Monthly and yearly budgets with overspending alerts
• Budget history and forecasts so you always know what's left

MULTI-CURRENCY, BUILT IN
• Track any currency with live exchange rates
• Perfect for travel, expats, and global spending

WIDGETS & LOCK SCREEN
• Home Screen and Lock Screen widgets
• Add a transaction straight from your widget

SECURE
• Lock the app with Face ID / Touch ID

AI THAT RESPECTS YOUR PRIVACY (on supported devices)
• Just say it — log a transaction with your voice
• Snap a receipt and let M Budget fill in the details
• Get a friendly monthly spending review and smart insights
• Powered by on-device intelligence — nothing leaves your iPhone

INVESTMENTS
• Track holdings across US, Hong Kong, and A-share markets, ETFs, funds, and crypto
• Live quotes and automatic recurring investing (DCA)

M BUDGET PRO (one-time purchase)
Unlock everything with a single purchase:
• iCloud sync across all your devices
• Multiple users and shared household ledgers
• Export & import (CSV, JSON, PDF, Excel) + iCloud backup
• Premium themes
• Recurring transactions & automatic credit-card / loan repayment
• Investment accounts with live market data
• On-device AI logging

Also free: loan and deposit calculators, bill reminders, and one-tap logging from payment screenshots via Shortcuts.

Available in 12 languages.

Your finances are personal. M Budget keeps them that way.

## Key features

- Fast expense and income logging
- Calendar view for daily spending
- Powerful statistical charts
- Net worth tracking
- Budget setting and alerts
- Multi-account management
- On-device data storage

## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/m-budget-expense-tracker/id6780538389/reviews.md

### 5/5 — Simple, clean, and exactly what I needed.

*2026-06-19*

I’ve tried many budgeting and expense tracking apps, but most of them are either too complicated or filled with ads. M Accounting is refreshingly simple and easy to use. Recording expenses takes only a few seconds, and the statistics help me understand where my money goes each month.

The interface is clean, fast, and intuitive. I especially like the account management and financial overview features. It helps me stay organized and keep track of my spending habits.

Highly recommended for anyone looking for a straightforward personal finance app.

**Developer response:** Thank you so much for the detailed review and recommendation! ❤️ I’m really glad to hear that M Accounting feels simple, fast, and intuitive compared with other budgeting apps. It means a lot to me that you find the account management, financial overview, and statistics useful for understanding your spending habits. I’ll keep improving the app and adding thoughtful features while keeping it clean and focused. Thanks again for your support! 🙏

## Frequently asked questions about M Budget

### Does M Budget have ads?

No, M Budget is completely ad-free. The app emphasizes a clean user experience without any advertisements, as stated in its description.

### How secure is M Budget?

M Budget is designed with privacy as a top priority, offering 100% on-device storage for your financial data. It also supports locking the app with Face ID or Touch ID for added security.

### Can I use M Budget on multiple devices?

While M Budget primarily stores data on your device, it offers optional iCloud backup and restore. This allows you to manage your data across your Apple devices, with your iCloud account controlling the process.

### What languages does M Budget support?

M Budget is available in 12 languages, making it accessible to a global audience. This includes support for multiple currencies with real-time exchange rates.

### How often is M Budget updated?

The latest version of M Budget is 2.0, and it was last updated on June 30, 2026. This indicates a commitment to ongoing development and improvements.

### Can I import my bank statements into M Budget?

Yes, M Budget supports importing bank statements via CSV files. You can also export your data in various formats, including CSV, JSON, PDF, and Excel.

### What is the user sentiment for M Budget?

Based on the provided rating, M Budget has a perfect 5.0 stars from 1 rating. This suggests a highly positive initial user experience.

### Is M Budget suitable for tracking loans and credit cards?

Yes, M Budget is well-equipped for managing loans and credit cards. It allows for tracking credit card and loan auto-repayments, with clear visibility of monthly payments.

## Version history (last 4 releases)

### 2.2.1 — 2026-08-17

What's New
Brand-new Apple Watch app
Log expenses from your wrist — the number pad is the first screen: type the amount, tap , done in two taps
Remembers your last category and account, so most entries need nothing else
Budget ring, recent transactions and per-category progress, one swipe apart
4 watch face complications for today's spending and remaining budget
• The Statistics trend chart now scrolls horizontally — swipe back through earlier months, quarters and years
• Net worth trend now shows weekly detail, with a new Amount / % change toggle
• Charts animate in, and switching periods feels smoother
• Press feedback added across the app for a more consistent feel
• Transfer records now show both the source and destination account in detail and edit views
• Fixed: duplicated "spent" amounts for some budget categories
• Fixed: the number pad could not be dismissed in the currency converter
• Fixed: a rare crash when switching Statistics to "Year"
• Much faster loading on the Budget and Statistics pages with large histories

### 2.2 — 2026-07-21

Version 2.2 is our biggest update yet.

NEW — AI logging, fully on-device & private
• Log a transaction just by speaking
• Snap a receipt and let M Budget fill in the details
• Get a friendly monthly spending review, insights, and your spending "personality"

NEW — Investments
• Track stocks (US, Hong Kong, A-shares), ETFs, funds, and crypto
• Live quotes and automatic recurring investing (DCA)

NEW — Redesigned for iPad
• A spacious sidebar and a real dashboard home screen

NEW — More themes
• Two fresh light looks: Mint and Yolk

Introducing M Budget Pro
A one-time purchase — no subscription — that unlocks iCloud sync, multiple users & shared ledgers, exports, premium themes, recurring transactions, auto-repay, investments, and AI logging.
As a thank-you, everyone who already downloaded M Budget keeps every Pro feature free, forever.

Plus dozens of refinements and bug fixes throughout. Thank you for using M Budget!

### 2.0 — 2026-06-30

重大更新 | 更新前请先备份数据

本次为大版本升级,涉及数据存储结构变化。为确保万无一失,更新前请先备份你的数据。

备份方法:打开 App,进入「设置 - 导出数据」,选择 JSON 格式,导出并保存到「文件」或 iCloud。
更新后如需恢复:进入「设置 - 导出数据」,切到「导入」,选择该 JSON 文件,选「覆盖」导入。

M Budget 2.0 — 多设备同步,记账更聪明

  iCloud 自动同步
  - 全新接入 iCloud,多台设备(iPhone / iPad)登录同一 Apple ID 即可自动同步账目——记一笔,处处可见。无需手动操作,换机、重装数据也不丢。

   全新标签系统
  - 记账、转账都能打标签,一笔支出多维归类
  - 首页 / 日历 / 全部记录均可搜索,并按 全局 / 分类 / 备注 / 标签 切换搜索范围
  - 设置里新增「标签管理」,统一重命名、删除、查看使用次数
  - 导出数据可按指定标签筛选,报销对账一键搞定

  预算页全面升级
  - 月度 / 年度视图一键切换,年度预算自动汇总,长期规划一目了然
  - 支持设置总预算,与分类预算并存,整体花销随时掌握
  - 顶部自由切换年份与月份,回看任意时段的预算与支出
  - 分类预算长按弹出快捷菜单(编辑 / 隐藏 / 删除),还能隐藏不常用分类,列表更清爽

   记账体验升级
  - 新增内置计算器键盘,记账时直接加减乘除,算完即记
  - 数字键盘按键更大更好按
  - 转账也支持添加照片 / 录音 / 标签
  - 自动记账支持储蓄卡 → 投资账户定投转账,资产互转自动完成
  - 自动记账按收入 / 支出分组展示,更直观

  主题与多用户
  - 全新「薄荷」清新浅色主题,可在设置中切换
  - 新建用户可选择「继承现有分类」或「只用系统默认」,并能按用户显示 / 隐藏分类

  其他改进
  - 设置新增「反馈建议 / 联系作者」,问题建议直达开发者
  - 新增新西兰元、马来西亚林吉特等货币
  - 多项细节打磨与稳定性修复,使用更顺手

  ---
  English

  M Budget 2.0 — Sync Across Devices, Smarter Budgets

   Automatic iCloud Sync
  - M Budget now syncs through iCloud. Sign in with the same Apple ID on your iPhone and iPad and records sync automatically — add an entry once, see it everywhere. No manual steps, and your data stays safe when you switch or reinstall.

   New Tagging System
  - Add tags to entries and transfers to organize spending across categories
  - Search on Home / Calendar / All Records, and switch scope between All / Category / Note / Tag
  - New Tag Manager in Settings to rename, delete, and view usage counts
  - Export filtered by a specific tag — perfect for expense reports

- Export filtered by a specific tag — perfect for expense reports

 Major Budget Upgrade
- One-tap switch between Monthly and Yearly views, with yearly budgets totaled automatically
- Set an overall Total Budget alongside category budgets to keep the big picture in view
- Freely switch between any year and month to review any period
- Long-press a category budget for quick actions (Edit / Hide / Delete), and hide categories you don't use

 Better Entry Experience
- Built-in calculator keypad — do the math right while adding an entry
- Larger, easier-to-tap number keys
- Transfers now support photos / audio / tags
- Recurring transfers (e.g. savings card → investment account) for automatic, scheduled investing
- Recurring entries grouped by income / expense for a clearer overview

Themes & Multi-User
- New "Mint" fresh light theme, switchable in Settings
- When creating a user, choose to inherit your categories or start with defaults; show / hide categories per user

 More
- New "Feedback / Contact" in Settings to reach the developer directly
- Added currencies including NZD and MYR
- Various refinements and stability fixes

### 1.0 — 2026-06-18

No release notes.

## More apps by 海燕 赵

- [M Card Wallet](https://appshunter.io/ios/app/m-card-wallet/id6784640606)
- [M Alpha Relax](https://appshunter.io/ios/app/m-alpha-relax/id6787405665)

All apps by 海燕 赵: https://appshunter.io/developer/6780315706

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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 2026-08-19.*