# MoneyOS: Expense Tracker — Your data stays on your phone

> Your data stays on your phone (iPhone/iPad app by Chandan Shetty SP.)

- Source: https://appshunter.io/ios/app/moneyos-expense-tracker/id6796755497 (this page in markdown: same URL + `.md`)
- Developer: [Chandan Shetty SP](https://appshunter.io/developer/492231033)
- Category: Finance
- Price: Free
- Age rating: 4+
- Requires: iOS 26.0 · 10 MB
- Languages: American English
- Released: 2026-09-25
- Data updated: 2026-10-03
- User reviews in markdown: https://appshunter.io/ios/app/moneyos-expense-tracker/id6796755497/reviews.md

## What is MoneyOS?

A private money tracker that lives on your iPhone. Log money the way you like: say it, type it, screenshot it, or import CSV and PDF statements, several entries at once. No account, no servers, and nothing is ever sent to us.

YOUR DATA STAYS ON YOUR PHONE
• No sign-up, no login, no bank credentials.
• Everything is stored on this iPhone. Our App Privacy label says Data Not Collected.
• iCloud sync is optional, off by default, and goes through your own private iCloud.
• Lock the app with Face ID, keep encrypted backups, and export to CSV or JSON whenever you want your data out.
• Pick a backup folder in Files or iCloud Drive and a copy of every daily backup is kept there, so your data survives even if you delete the app.

LOG IT ANY WAY YOU LIKE
• Say it: speak "chai 200, petrol 1200, uber 340" once and get three entries.
• Type it: one line, like a text message, is split into separate entries.
• Screenshot it: pick up to 10 screenshots of your payment history from Google Pay, PhonePe, Paytm, Venmo, Revolut or your bank app. Every row becomes a transaction.
• Import it: CSV and PDF bank statements, including password-protected PDFs.
• Paste or share it: a bank SMS, a copied screenshot, or a bank email from Mail.
• Nothing saves without your OK. Every import lands in a review list first, and likely repeats are flagged.

APPLE INTELLIGENCE, ON YOUR IPHONE
Ask "Where did my money go this month?" or "How much did I spend on food?" and get an answer in plain words. Apple's on-device model does the talking and your ledger does the maths, so every number is real and nothing leaves the phone. Reading your screenshots and understanding what you type happen on-device too.
Ask needs an iPhone that supports Apple Intelligence. On other iPhones, quick queries give the same answers.

EVERY DAY OF YOUR MONTH
• A heat map of the month: green days under pace, red days over. Tap any day to see what happened.
• Spent today, spent this month, and what's safe to spend per day.
• Every transaction, grouped by day or by category, with cards, payment mode and tags.

LIMITS THAT KEEP YOU ON TRACK
• Set a monthly limit, a daily limit, and limits per category or per card.
• Get a notification at 80% and again at 100%, so you can hold back before the month runs away.
• See how much of this month's budget you've used, in %, right on your Lock Screen with the Live Activity.

ANY CURRENCY, BUILT FOR INDIA
Choose from 39 currencies in Settings, or let it match your iPhone, and every total, chart and widget follows: dollars, euros, pounds, dirhams, yen and many more. Indian users get lakh and crore grouping, UPI payment modes, and EMIs and SIPs tracked the way you actually talk about them.

THE WHOLE PICTURE
• Income and a salary preset.
• Loans and EMIs with payoff tracking, SIPs and investments.
• Subscriptions, so renewals stop surprising you.
• Net worth, goals and a FIRE calculator.
• Stats with a verdict on the month, trends, category movers and a Money Score.

ALSO INSIDE
Home Screen and Lock Screen widgets, a Live Activity and Dynamic Island view of this month's spending, Siri shortcuts, and separate Personal, Family and Business ledgers.

FREE
The whole app. No subscription, no ads, no in-app purchases.

A money app should be a private notebook, not a data pipeline.


## Version history (last 3 releases)

### 2.0.1 — 2026-10-02

• Fixes changing currency in Settings: the sheet no longer closes on its own, so you can change the symbol or convert your entries again.

### 2.0 — 2026-10-02

MoneyOS 2.0

• Your currency, everywhere. Pick any of 39 currencies and every total, chart, icon and widget follows. If you already have entries, keep the numbers and change only the symbol, or convert them at your own rate.
• Limit alerts now appear while you're using the app, the moment an expense takes a limit past 80% or 100%.
• Backups that outlive the app. Pick a folder in Files or iCloud Drive and every daily backup is copied there, so you can restore after reinstalling.
• The widget and Lock Screen now match Home: SIPs and other investments no longer count as spending.
• Using iCloud sync on two devices? Switch currency on one and the other offers to follow.
• Type amounts with any symbol: $40, USD 12.50 and Rs.200 all work.

### 1.0 — 2026-09-24

No release notes.

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## More apps by Chandan Shetty SP

- [Better Parenting Everyday](https://appshunter.io/ios/app/better-parenting-everyday/id6742127631)
- [Koto Koto: Zen Pickup Sticks](https://appshunter.io/ios/app/koto-koto-zen-pickup-sticks/id6766397346)

All apps by Chandan Shetty SP: https://appshunter.io/developer/492231033

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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 2026-10-03.*