# Money Journal - Budget Planner — Expense Tracker & Bill Manager > Privacy-focused budget planner and expense tracker without bank linking. (iPhone/iPad app by DIMMPLE PTY LTD.) - Source: https://appshunter.io/ios/app/money-journal-budget-planner/id1305691801 (this page in markdown: same URL + `.md`) - Developer: [DIMMPLE PTY LTD](https://appshunter.io/developer/1544019570) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 4.30/5 from 359 App Store ratings · 107 written reviews indexed - Age rating: 4+ - Requires: iOS 15.0 · 177 MB - Languages: American English - Released: 2017-11-30 - Data updated: 2026-08-15 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/money-journal-budget-planner/id1305691801/reviews.md ## What is Money Journal? Your finances are private. Your budget app should be too. Money Journal is a privacy-first budget planner and expense tracker that works without linking your bank account. No credentials to share, no third-party data access, no risk. Just you, your plan, and complete control over your money. Most budgeting apps only tell you where your money went. Money Journal helps you plan where it will go. PLAN YOUR BUDGET Create your spending plan before the month begins. Add recurring income from salaries, freelance work, rental payments, or dividends. Set fixed expenses for predictable bills like rent, subscriptions, and insurance. Budget flexible spending for groceries, dining, and entertainment. Define savings goals and track your progress toward each one. Organize your money into dedicated wallets — emergency fund, checking, savings, or however you manage your accounts. Your closing balance automatically carries forward as next month's opening balance, so your plan always reflects reality. FLEXIBLE BILLING CYCLES Real life doesn't follow a single schedule, and neither should your budget. Set each income and expense on its own cycle — daily, weekly, bi-weekly, monthly, quarterly, or yearly. Recurring transactions are generated automatically, and reminders ensure you never miss a bill or payment. LOG TRANSACTIONS YOUR WAY Add transactions in seconds against your planned categories. Scan receipts with your camera for AI-powered import that fills in the amount, category, and details automatically. Import transactions from bank statements and CSV files. See your forecast versus actuals in real time, and always know exactly how much you have left to spend. REVIEW AND UNDERSTAND YOUR FINANCES See your cash flow at a glance with clear income versus expense breakdowns. Dive into spending allocation by category, view monthly and yearly summaries, and spot patterns before they become problems. DESIGNED FOR YOUR LIFE - Supports 80+ currencies for tracking finances worldwide - Create custom categories with icons to match your lifestyle - Syncs securely across iPhone, iPad, Mac, and the web - Available in 12+ languages PREMIUM Unlock powerful tools to take your financial planning further: - AI receipt and statement import - Spending insights and analytics - Real-time sync across all your devices - Unlimited wallets for detailed fund management - Sub-categories for granular expense tracking - Export transactions to CSV YOUR DATA STAYS YOURS Money Journal is built on a simple principle: your financial data belongs to you. There is no bank account linking, no selling of data to advertisers, and no third-party tracking. Download Money Journal and take control of your financial future. Terms of Use: https://www.moneyjournal.app/terms-of-service Privacy Policy: https://www.moneyjournal.app/privacy-policy ## Key features - Privacy-first expense tracking - Budget planning - Flexible billing cycles - AI receipt scanning - Customizable categories - Cross-device sync ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Yearly Pro | $29.99 | per year | | Monthly Pro | $5.99 | per month | **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | Lifetime Premium | $44.99 | one-time | | 1 Month Premium | $9.99 | one-time | | 3 Months Premium | $21.99 | one-time | ## What do users think of Money Journal? Overall sentiment: positive **Pros** - 💻 Clean and beautiful UI - 🙌 Simple and easy to use - 📊 Helpful for budgeting and tracking expenses - 🔒 Doesn't require bank account connection - 🎨 Customizable categories and themes **Cons** - 💰 Expensive premium features - 🔒 Limited functionality in free version - 🔀 Difficulty transferring money between accounts - 🔄 Rigid budget cycle dates - 🐛 Bugs and crashes reported **Commonly reported bugs** - App freezing or crashing on launch - Data loss or disappearance of existing budgets - Syncing and migration issues with app updates **Most requested features** - Add recurring payments and bills - Improve budget rollover and carry-over options - Allow custom budget cycle dates - Add multi-user/family sharing capabilities - Provide more detailed spending analytics and reports ## Recent user reviews (10 of 107) All indexed reviews: https://appshunter.io/ios/app/money-journal-budget-planner/id1305691801/reviews.md ### 1/5 — Fold redesign *2026-04-21* The new interface is terrible. The old UI when it was still fold worked so much better. This new version doesn’t allow for carryover of excess expenses or of excess budget. You can only make top ups or expenses on the front page not within each category like you could before which makes using the app clunky and slow. The only good part kept was the subcategories within the envelopes but even that is pay walled even though i spent money on the lifetime access in the past. ### 1/5 — Terrible update *2026-04-04, version 10.0.10* Under the fold app the budget tracker was great. After rebranding to Money Journal they completely botched and ruined the app. Absolutely hate it. Their FLEXIBLE expenses doesn’t allow you to rollover and it only allows monthly budget tracking (as opposed to including annual and weekly too). Meaning it’s useless for me as I need both Hate the upgrade. Will download a different one and hope I can get a refund on this. ### 5/5 — Pretty cool *2026-03-26, version 10.0.3* Liking the themes and the customization. ### 5/5 — Love it *2025-01-06, version 5.5* Been looking for a budget app for the cash envelope system only started with this one in the New Year but so far so good. Mainly wanted it for the cash envelope budget system. The app is absolutely fantastic love how you can set your own categories, colours and themes…. Cash budget legend whoever designed this exactly what I have been looking for! Thank you ### 1/5 — Misleading *2024-10-01, version 5.5* Shows as free but after a few days it locks you out of features and accounts you created. Find a better app that’s not trying to mislead you with sneaky marketing tactics. ### 5/5 — ABLE-EXPRESSION-FINANCE-STRUCTURE *2023-09-22* Easy to use expressive quality in Fold so desired trajectory... The necessary tools to realize categories easily built from a plain and right sercumcison and scribe of what is of worth in responsability to independance and value for self sustainability and independance. ### 1/5 — Abandoned app *2023-02-14* Would love to give my money to such a great app but i don’t think it’s being maintained anymore no response from support for simple question about what you get in free vs. paid. Feels sus. ### 4/5 — Really great concept and UI *2023-02-05, version 5.5* This is a beautiful app and so easy to use! I love the colors and simplicity but I do hope that they tweak a few things. 1. In bills and recurring payments - ability to add how much was paid vis a vie the amount due, and the balance to be carried over to the next month. Would also be nice to have limit amount and percentage of which is used (similar to the goals ui and completion rate) 2. Notifications reminders on bills and expense logs 3. Wallets for multiple currencies Thats as much as I can think of for now but so far love this! ### 4/5 — Good App - With a Major Flaw *2022-11-16* For the most part, I love this budgeting app. It's simple, easy to use and nice to look at. There's just one problem - there is no way to transfer money between different accounts. This is a dealbreaker for me, as I am constantly moving money from one account to another. If you only have the one account, this is a great app! Otherwise, I recommend looking elsewhere. ### 5/5 — Clean app *2022-11-06, version 5.5* App looks great. Some features would be nice to have though. Like recurring payments, number of payments per merchant, day spend ## Frequently asked questions about Money Journal ### What does Money Journal do? Money Journal is a privacy-first budget planner and expense tracker. It helps you plan your spending, track where your money goes, manage bills, and set savings goals without needing to link your bank account. It focuses on giving you complete control over your financial data. ### What are the key features of Money Journal? Key features include privacy-first expense tracking, budget planning, flexible billing cycles for income and expenses, AI-powered receipt scanning for transaction logging, customizable categories, and secure syncing across devices. Premium features offer advanced analytics and unlimited wallets. ### How much does Money Journal cost? The app is free to download and use with basic features. It offers in-app purchases for a premium subscription that unlocks advanced tools like AI receipt and statement import, spending insights, real-time sync, and unlimited wallets for detailed fund management. ### What devices is Money Journal compatible with? Money Journal is designed to work across multiple platforms. It securely syncs your financial data across iPhone, iPad, Mac, and the web, ensuring you can manage your finances from wherever you are. ### Who is Money Journal designed for? This app is ideal for individuals who prioritize privacy and want a secure way to manage their personal finances. It's suitable for anyone looking to create a spending plan, track expenses, organize bills, and work towards savings goals without sharing sensitive bank credentials. ## Version history (last 5 releases) ### 10.0.10 — 2026-04-02 Money Journal has been completely redesigned and rebuilt from the ground up — new look, new engine, same commitment to keeping your finances private. HERE'S WHAT'S NEW Redesigned from scratch Every screen has been rethought. A cleaner layout, smoother navigation, and a modern interface that makes managing your budget feel effortless. If you've been with us since the beginning, this will feel like a brand new app — because it is. Plan before you spend Create your full monthly budget before the month begins. Set income, fixed expenses, flexible spending, and savings goals — then track how reality compares to your plan throughout the month. Wallets Organize your money into dedicated wallets — checking, savings, emergency fund, or however you manage your finances. Closing balances carry forward automatically, so your plan always reflects where you actually stand. Flexible billing cycles Not everything runs on a monthly clock. Set each income and expense on its own schedule — daily, weekly, bi-weekly, monthly, quarterly, or yearly. Recurring transactions generate automatically. AI receipt scanning Point your camera at a receipt and let Money Journal do the rest. The amount, category, and details are filled in automatically — so logging expenses takes seconds, not minutes. CSV and statement import Import transactions from bank statements and CSV files directly into your budget. Reconcile your planned spending against actuals without manual entry. Smarter insights See your cash flow at a glance. Dive into spending by category, review monthly and yearly summaries, and spot patterns before they become problems. Still private. Still yours. No bank account linking. No third-party data access. No ads. Everything lives on your device and syncs only when you choose. Your financial data belongs to you. Thank you for budgeting with Money Journal. We'd love to hear what you think — leave a review or reach out to us anytime. ### 10.0.8 — 2026-03-31 Money Journal has been completely redesigned and rebuilt from the ground up — new look, new engine, same commitment to keeping your finances private. HERE'S WHAT'S NEW Redesigned from scratch Every screen has been rethought. A cleaner layout, smoother navigation, and a modern interface that makes managing your budget feel effortless. If you've been with us since the beginning, this will feel like a brand new app — because it is. Plan before you spend Create your full monthly budget before the month begins. Set income, fixed expenses, flexible spending, and savings goals — then track how reality compares to your plan throughout the month. Wallets Organize your money into dedicated wallets — checking, savings, emergency fund, or however you manage your finances. Closing balances carry forward automatically, so your plan always reflects where you actually stand. Flexible billing cycles Not everything runs on a monthly clock. Set each income and expense on its own schedule — daily, weekly, bi-weekly, monthly, quarterly, or yearly. Recurring transactions generate automatically. AI receipt scanning Point your camera at a receipt and let Money Journal do the rest. The amount, category, and details are filled in automatically — so logging expenses takes seconds, not minutes. CSV and statement import Import transactions from bank statements and CSV files directly into your budget. Reconcile your planned spending against actuals without manual entry. Smarter insights See your cash flow at a glance. Dive into spending by category, review monthly and yearly summaries, and spot patterns before they become problems. Still private. Still yours. No bank account linking. No third-party data access. No ads. Everything lives on your device and syncs only when you choose. Your financial data belongs to you. Thank you for budgeting with Money Journal. We'd love to hear what you think — leave a review or reach out to us anytime. ### 10.0.6 — 2026-03-30 Money Journal has been completely redesigned and rebuilt from the ground up — new look, new engine, same commitment to keeping your finances private. HERE'S WHAT'S NEW Redesigned from scratch Every screen has been rethought. A cleaner layout, smoother navigation, and a modern interface that makes managing your budget feel effortless. If you've been with us since the beginning, this will feel like a brand new app — because it is. Plan before you spend Create your full monthly budget before the month begins. Set income, fixed expenses, flexible spending, and savings goals — then track how reality compares to your plan throughout the month. Wallets Organize your money into dedicated wallets — checking, savings, emergency fund, or however you manage your finances. Closing balances carry forward automatically, so your plan always reflects where you actually stand. Flexible billing cycles Not everything runs on a monthly clock. Set each income and expense on its own schedule — daily, weekly, bi-weekly, monthly, quarterly, or yearly. Recurring transactions generate automatically. AI receipt scanning Point your camera at a receipt and let Money Journal do the rest. The amount, category, and details are filled in automatically — so logging expenses takes seconds, not minutes. CSV and statement import Import transactions from bank statements and CSV files directly into your budget. Reconcile your planned spending against actuals without manual entry. Smarter insights See your cash flow at a glance. Dive into spending by category, review monthly and yearly summaries, and spot patterns before they become problems. Still private. Still yours. No bank account linking. No third-party data access. No ads. Everything lives on your device and syncs only when you choose. Your financial data belongs to you. Thank you for budgeting with Money Journal. We'd love to hear what you think — leave a review or reach out to us anytime. ### 10.0.5 — 2026-03-27 Money Journal has been completely redesigned and rebuilt from the ground up — new look, new engine, same commitment to keeping your finances private. HERE'S WHAT'S NEW Redesigned from scratch Every screen has been rethought. A cleaner layout, smoother navigation, and a modern interface that makes managing your budget feel effortless. If you've been with us since the beginning, this will feel like a brand new app — because it is. Plan before you spend Create your full monthly budget before the month begins. Set income, fixed expenses, flexible spending, and savings goals — then track how reality compares to your plan throughout the month. Wallets Organize your money into dedicated wallets — checking, savings, emergency fund, or however you manage your finances. Closing balances carry forward automatically, so your plan always reflects where you actually stand. Flexible billing cycles Not everything runs on a monthly clock. Set each income and expense on its own schedule — daily, weekly, bi-weekly, monthly, quarterly, or yearly. Recurring transactions generate automatically. AI receipt scanning Point your camera at a receipt and let Money Journal do the rest. The amount, category, and details are filled in automatically — so logging expenses takes seconds, not minutes. CSV and statement import Import transactions from bank statements and CSV files directly into your budget. Reconcile your planned spending against actuals without manual entry. Smarter insights See your cash flow at a glance. Dive into spending by category, review monthly and yearly summaries, and spot patterns before they become problems. Still private. Still yours. No bank account linking. No third-party data access. No ads. Everything lives on your device and syncs only when you choose. Your financial data belongs to you. Thank you for budgeting with Money Journal. We'd love to hear what you think — leave a review or reach out to us anytime. ### 10.0.4 — 2026-03-26 Money Journal has been completely redesigned and rebuilt from the ground up — new look, new engine, same commitment to keeping your finances private. HERE'S WHAT'S NEW Redesigned from scratch Every screen has been rethought. A cleaner layout, smoother navigation, and a modern interface that makes managing your budget feel effortless. If you've been with us since the beginning, this will feel like a brand new app — because it is. Plan before you spend Create your full monthly budget before the month begins. Set income, fixed expenses, flexible spending, and savings goals — then track how reality compares to your plan throughout the month. Wallets Organize your money into dedicated wallets — checking, savings, emergency fund, or however you manage your finances. Closing balances carry forward automatically, so your plan always reflects where you actually stand. Flexible billing cycles Not everything runs on a monthly clock. Set each income and expense on its own schedule — daily, weekly, bi-weekly, monthly, quarterly, or yearly. Recurring transactions generate automatically. AI receipt scanning Point your camera at a receipt and let Money Journal do the rest. The amount, category, and details are filled in automatically — so logging expenses takes seconds, not minutes. CSV and statement import Import transactions from bank statements and CSV files directly into your budget. Reconcile your planned spending against actuals without manual entry. Smarter insights See your cash flow at a glance. Dive into spending by category, review monthly and yearly summaries, and spot patterns before they become problems. Still private. Still yours. No bank account linking. No third-party data access. No ads. Everything lives on your device and syncs only when you choose. Your financial data belongs to you. Thank you for budgeting with Money Journal. We'd love to hear what you think — leave a review or reach out to us anytime. ## Apps similar to Money Journal | App | Rating | Price | Category | | --- | --- | --- | --- | | [Weekly: Budget Planner & Bills](https://appshunter.io/ios/app/weekly-budget-planner-and-bills/id1460038809) | 4.8 (3,700) | Free | Finance | | [Buddy: Budget Planner App](https://appshunter.io/ios/app/buddy-budget-planner-app/id936422955) | 4.7 (9,337) | Free | Finance | | [Budget app - spending tracker](https://appshunter.io/ios/app/budget-app-spending-tracker/id1525179720) | 4.7 (15,307) | Free | Finance | | [Money Manager Expense & Budget](https://appshunter.io/ios/app/money-manager-expense-and-budget/id560481810) | 4.8 (18,913) | Free | Finance | | [Monefy: Money Tracker](https://appshunter.io/ios/app/monefy-money-tracker/id1212024409) | 4.7 (6,604) | Free | Finance | | [PocketGuard・Budget Planner App](https://appshunter.io/ios/app/pocketguardbudget-planner-app/id949414211) | 4.6 (7,653) | Free | Finance | ## More apps by DIMMPLE PTY LTD - [Fitness Calorie Counter](https://appshunter.io/ios/app/fitness-calorie-counter/id1415519617) - [Budget Envelopes Spend Tracker](https://appshunter.io/ios/app/budget-envelopes-spend-tracker/id6761727851) All apps by DIMMPLE PTY LTD: https://appshunter.io/developer/1544019570 ## Related topics [budgeting journal](https://appshunter.io/ios/topics/budgeting-journal) · [gastos planificador](https://appshunter.io/ios/topics/gastos-planificador) · [csv budget](https://appshunter.io/ios/topics/csv-budget) · [money flow recorder](https://appshunter.io/ios/topics/money-flow-recorder) · [budget utopia](https://appshunter.io/ios/topics/budget-utopia) · [hobbyist user](https://appshunter.io/ios/topics/hobbyist-user) --- *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 2026-08-15.*