# Money Tracker: Budget & Bills — Expense & Subscription Manager > Private personal finance app for tracking expenses, budgets, bills, and net worth. (iPhone/iPad app by Macaroni Studios LLC.) - Source: https://appshunter.io/ios/app/money-tracker-budget-and-bills/id6792502560 (this page in markdown: same URL + `.md`) - Developer: [Macaroni Studios LLC](https://appshunter.io/developer/1499416784) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 5.00/5 from 1 App Store ratings · 1 written reviews indexed - Age rating: 4+ - Requires: iOS 16.4 · 91 MB - Languages: American English, Bulgarian, Croatian, Czech, Danish, Dutch, Estonian, Finnish, French (France), German (Germany) and 14 more - Released: 2026-09-22 - Data updated: 2026-10-25 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/money-tracker-budget-and-bills/id6792502560/reviews.md ## What is Money Tracker? Money Tracker is a personal finance app that keeps your data on your phone. Track spending, budgets, bills, and net worth in one place, and link your banks only if you want to. Your transactions live in an encrypted database on your device. We don't store them on our servers, so there is nothing for us to sell and nothing to lose if a server goes away. If you turn on optional bank sync, bank data is retrieved through Plaid and passed through our servers to your device without being stored there. If you have been burned by a budgeting app that shut down or started mining your data, this one was built for you. It works whether you check in every morning or once a month. Link every account for one real net worth number, or add transactions by hand with Siri, the camera, or a quick template. Either way, a 30 second review keeps everything sorted, and the app learns your categories as you go. Start free with manual accounts, transactions, budgets, reports, and CSV import. Upgrade only when you want automatic bank connections and updates. KEY FEATURES • Private by design: Your data is encrypted on your phone and is never stored on our servers. • Optional paid bank sync: Connect supported banks in the US and Canada with Sync or Pro, or track accounts manually for free. • Auto categorization: Swipe once and Money Tracker remembers. It gets smarter with every transaction you review. • Subscription tracking: Recurring charges get flagged automatically, including the ones you forgot about. • Budgets and reports: Set spending targets by category and get a heads up before you overshoot. • Cash flow forecast: See your projected balance ahead of payday, with upcoming bills and planned payments already counted. • Net worth: Every account, card, and loan on one screen. • Savings goals: Set a target, link accounts, and watch your progress. • Quick entry: Log an expense with Siri, snap a receipt, or import a CSV from your old app. • Multi currency: Track accounts in more than one currency. • Reminders: A nudge before a bill hits, a warning before a budget runs out, and a note when new transactions are ready for review. • Plans: Free manual tracking, Sync with up to 4 bank connections, or Pro with up to 8. One bank connection can include multiple checking, savings, or credit accounts. If bank-sync access ends, automatic updates pause. Your locally saved accounts and transaction history remain available. Privacy Policy: trackmoney.ai/privacy-policy Terms of Use: trackmoney.ai/terms-and-conditions Support: macaroni-studios.com/contact ## Key features - Private by design, data encrypted on device - Optional bank sync - Auto categorization - Subscription tracking - Budgets and reports - Cash flow forecast - Net worth tracking ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Manual | $0.99 | per month | | Manual | $9.99 | per year | | Sync | $2.99 | per month | | Sync | $24.99 | per year | | Pro | $4.99 | per month | | Pro | $39.99 | per year | ## Is Money Tracker safe? Not enough ratings yet to assess Money Tracker. ## Is Money Tracker legit? Money Tracker: Budget & Bills appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for Money Tracker is 70 out of 100 points across 7 verification signals from App Store and developer data. ## Recent user reviews (1 of 1) All indexed reviews: https://appshunter.io/ios/app/money-tracker-budget-and-bills/id6792502560/reviews.md ### 5/5 — easy to use budget tracker *2026-10-20* I like ability to split transactions with friends and the design is nice ## Frequently asked questions about Money Tracker ### How secure is Money Tracker? Money Tracker is private by design. Your data is encrypted on your phone and never stored on their servers. Optional bank sync uses Plaid for retrieval and passes data through servers without storing it on the device. ### Can I link my bank accounts to Money Tracker? Yes, you can optionally link supported banks in the US and Canada. This feature is available through the Sync or Pro plans. Manual tracking is also fully supported. ### What are the subscription plans for Money Tracker? Money Tracker offers Manual tracking for free. Paid plans include Sync ($2.99/month or $24.99/year) for up to 4 bank connections and Pro ($4.99/month or $49.99/year) for up to 8 bank connections. All paid plans offer a 7-day free trial. ### Does Money Tracker have ads? No, Money Tracker does not have advertisements. The app is free to use for manual tracking and offers paid upgrades for additional features. ### How does Money Tracker help with budgeting? You can set spending targets by category within Money Tracker. The app provides reports and reminders to help you stay within your budget and avoid overspending. ### What devices is Money Tracker available on? Currently, Money Tracker is supported on iPhone devices. The latest version is 0.08, and it was last updated on October 24, 2026. ### How often is Money Tracker updated? The app was last updated on October 24, 2026, indicating regular updates. The release date was September 22, 2026. ### Can I import data from other budgeting apps? Yes, Money Tracker supports CSV import, allowing you to bring your transaction data from other apps. This is available even in the free manual tracking plan. ## Version history (last 5 releases) ### 0.08 — 2026-10-24 New in this version: • Safe-to-spend widget: see what's left to spend at a glance on your Home Screen or Lock Screen. • A redesigned New Transaction: snap a receipt and it fills in the slip, pick the currency you paid in, and split itemized bills right from the form. • Pinch to zoom on the receipt camera. • A tidy summary after each bank sync tells you when transactions need a quick review. • New Category shows a live preview and suggests an icon from the name, with a bigger icon set to choose from. • Rules can match "contains any of", and logging an expense suggests the category your rules would pick. • Fresh ring summaries on Categories, Recurring and Goals. • Face ID or your passcode is now required before connecting a bank. • Layout support for the unfolded iPhone Duo, plus lots of design polish and fixes. ### 0.07 — 2026-10-14 New in this version: • Assistant: a new tab where you can ask questions about your money in plain words, like how much you spent on dining last month, or add a transaction just by typing it out. It runs on Apple's on-device model, so nothing leaves your phone. • Split the Tab: split a charge with friends, send them what they owe, and see who still owes you. Only your share counts toward your spending, and repayments are matched back to the split. • Faster, smarter categorization, with a review queue for transactions that need a second look. • Lots of design polish and performance improvements across the app. ### 0.06 — 2026-10-07 New in this version: • Assistant: a new tab where you can ask questions about your money in plain words, like how much you spent on dining last month, or add a transaction just by typing it out. It runs on Apple's on-device model, so nothing leaves your phone. • Split the Tab: split a charge with friends, send them what they owe, and see who still owes you. Only your share counts toward your spending, and repayments are matched back to the split. • Faster, smarter categorization, with a review queue for transactions that need a second look. • Lots of design polish and performance improvements across the app. ### 0.05 — 2026-09-29 Money Tracker is now free for manual accounts, transactions, budgets, reports, and CSV import. Upgrade to Sync or Pro when you want automatic bank connections and updates. Your saved financial history remains available when bank sync is paused. ### 0.04 — 2026-09-28 Money Tracker is now free for manual accounts, transactions, budgets, reports, and CSV import. Upgrade to Sync or Pro when you want automatic bank connections and updates. Your saved financial history remains available when bank sync is paused. ## More apps by Macaroni Studios LLC - [Missed Connections: Winkd](https://appshunter.io/ios/app/missed-connections-winkd/id6472688973) - [AI Resume Builder: ResumeHero](https://appshunter.io/ios/app/ai-resume-builder-resumehero/id6744867051) All apps by Macaroni Studios LLC: https://appshunter.io/developer/1499416784 --- *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 2026-10-25.*