# MoneyTurtle: Expense Tracker — Private Expense & Net Worth

> Private Expense & Net Worth (iPhone/iPad app by Gerasimos Alexiou.)

- Source: https://appshunter.io/ios/app/moneyturtle-expense-tracker/id6789509148 (this page in markdown: same URL + `.md`)
- Developer: [Gerasimos Alexiou](https://appshunter.io/developer/1292240364)
- Category: Finance, Utilities
- Price: Free
- Age rating: 4+
- Requires: iOS 26.5 · 4 MB
- Languages: American English
- Released: 2026-07-13
- Data updated: 2026-11-10

## What is MoneyTurtle?

See where your money goes, what you can spend today, and how your net worth grows. Privately.

No account. No ads. No tracking. Everything you enter stays on your iPhone, and optional sync uses your own iCloud. Our App Store privacy label says it plainly: Data Not Collected.

KNOW WHAT YOU CAN SPEND TODAY
Safe to spend turns this month's income, what you've already spent and your subscriptions into one daily number. Spend less today and tomorrow's number goes up.

TRACK EXPENSES IN SECONDS
• Log an expense in a few taps, with categories and subcategories you control
• See your month at a glance: spent, left, and whether you're on pace
• Browse by day or on a calendar that shows your heaviest days
• Get a heads-up when a top category runs ahead of its usual pace

EVERY SUBSCRIPTION IN ONE PLACE
• Monthly and yearly subscriptions with payment dates
• Price changes and cancellations, kept month by month
• Optionally add them to your expenses on payment day

WATCH YOUR NET WORTH GROW
• Savings, stocks, crypto, loans and credit cards, month by month
• Assets vs. liabilities and your month-over-month change
• Turtle Journey: your stage and milestones on the way to financial independence
• Projection: see what investing a set amount each month could become

PLAN EVERY PAYCHECK
Salary flow splits your income across your bank, broker, crypto wallet and mortgage. See it as a flow, a ring or ranked bars, with a monthly rollup into Save, Invest and Debt.

UNDERSTAND YOUR HABITS
Plain-language insights worked out on your phone, category breakdowns, your biggest expenses, category movers, year-over-year comparisons and spending by day of week.

MADE FOR IPHONE AND IPAD
• Home Screen widgets for this month's spending and your net worth
• Face ID lock
• Light and dark mode, plus nine accent colors
• Multiple currencies
• Export everything to a file whenever you like

Free. No ads. Your money, your data, your phone.

## Is MoneyTurtle safe?

Not enough ratings yet to assess MoneyTurtle.

## Is MoneyTurtle legit?

MoneyTurtle: Expense Tracker appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for MoneyTurtle is 65 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 5 releases)

### 2.15 — 2026-11-09

New: Safe to spend. 
• Expenses now shows what you can spend each day and still finish the month within your income. 
• A bar shows today's spending against it, and turns amber when you're close and red when you're over. 
• Whatever you don't spend today moves to tomorrow. 
• Adding an expense shows where it leaves your day. 
• The Expenses summary is more compact.

### 2.14 — 2026-11-08

Subscriptions now go month by month. 
• Pick any month at the top of Subscriptions to see what you paid then. 
• New subscriptions count from the month you add them. 
• Cancel a subscription and it stops counting from next month, while the months you paid for keep it. 
• Change a price from a given month and earlier months keep the old price. 
• Other months show what was actually charged in them.

### 2.13 — 2026-11-07

• Hot categories: get a heads-up when a top spending category runs ahead of your usual pace.
• "Running hot" card and flame badges on Expenses.
• A heads-up when adding to a hot category.
• Analytics breakdown shows your usual spend per category.
• Settings → Hot categories to adjust or turn off.
• Carry wealth forward now uses each month's final figures.

### 2.12 — 2026-11-06

The tab bar now shows only the selected tab’s name, so every screen, including Subscriptions, has its full name.

### 2.11 — 2026-11-05

MoneyTurtle now looks great on both screens of iPhone Duo. On wider screens, including your Duo unfolded and turned sideways, iPhone in landscape, and iPad, your expenses, subscriptions, wealth and analytics now sit in a comfortable, centred column instead of stretching edge to edge. The tab bar stays compact too.
Nothing changes on other iPhones held upright.

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| App | Rating | Price | Category |
| --- | --- | --- | --- |
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| [Money Flow: Budget Planner](https://appshunter.io/ios/app/money-flow-budget-planner/id6779711478) | 5.0 (1) | Free | Finance |
| [Inkapify: Expense Tracker](https://appshunter.io/ios/app/inkapify-expense-tracker/id6766141937) | 5.0 (2) | Free | Finance |
| [OneCoin - Assets & Returns](https://appshunter.io/ios/app/onecoin-assets-and-returns/id6502965303) | — | Free | Finance |

## More apps by Gerasimos Alexiou

- [Beelionaire](https://appshunter.io/ios/app/beelionaire/id6794258692)
- [Mythlings: Little Worlds](https://appshunter.io/ios/app/mythlings-little-worlds/id6801849217)
- [TowerWise: UAE Tower Analytics](https://appshunter.io/ios/app/towerwise-uae-tower-analytics/id6821603941)

All apps by Gerasimos Alexiou: https://appshunter.io/developer/1292240364

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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 2026-11-10.*