# My Expense Tracker Plus — Personal Expense > Personal Expense (iPhone/iPad app by Karunakaran Pachaiappan.) - Source: https://appshunter.io/ios/app/my-expense-tracker-plus/id6757458897 (this page in markdown: same URL + `.md`) - Developer: [Karunakaran Pachaiappan](https://appshunter.io/developer/1867109689) - Category: Utilities, Productivity - Price: Free - Age rating: 4+ - Requires: iOS 18.6 · 8 MB - Languages: American English - Released: 2026-01-08 - Data updated: 2026-08-30 - User reviews in markdown: https://appshunter.io/ios/app/my-expense-tracker-plus/id6757458897/reviews.md ## What is My Expense Tracker Plus? My Expense Tracker Plus helps you take complete control of your personal finances — simply, privately, and entirely on your device. Track your daily income, expenses, and savings with ease. Get monthly summaries, yearly overviews, and meaningful insights that help you understand exactly where your money goes. KEY FEATURES Income, Expense and Savings Tracking Record every transaction in seconds. View monthly and yearly summaries with visual charts and breakdowns. Monthly Budgets Set spending limits for each category. Get alerted when you're approaching or exceeding your budget. 50/30/20 Rule Understand your Needs, Wants, and Savings split, and customize the percentages to match your lifestyle. Recurring Transactions Set up salary, rent, SIP, or any regular payment once. The app automatically generates them every month. EMI and Loan Tracker Track personal loans, home loans, or any EMI. See outstanding balance, progress, and the impact of part payments. Bill Reminders Never miss a due date. Get notified 48 hours, 24 hours, and on the due day. Mark bills as paid with one tap. Savings Goals Create goals such as an emergency fund, car, or vacation. Track contributions and monitor your progress. Net Worth Track all assets, including bank accounts, investments, and property, alongside liabilities for a complete financial picture. Category Trends Analyze spending patterns across 3, 6, or 12 months by category to understand where your money goes. India Financial Year View Review April to March financial year summaries, designed specifically for Indian users. Monthly Diary Write personal notes each month about your finances, decisions, and goals. Full Backup and Restore Export all your data, including transactions, budgets, loans, bills, goals, assets, and diary entries, as a JSON file. Restore on a new device anytime. CSV Export Export transactions for accounting, tax filing, or spreadsheet analysis. 100% Private All data stays on your device. No accounts, no cloud, no tracking, and no ads. My Expense Tracker Plus is built for anyone who wants a powerful yet simple personal finance app, designed with Indian users in mind. ## Version history (last 4 releases) ### 3.0 — 2026-04-21 What’s New in Version 3.0 A major upgrade focused on giving you complete control and clarity over your money — fully offline and private. NEW — Smart Insights & Financial Guidance • Intelligent insights that go beyond tracking — understand what’s happening and what to do next • EMI awareness and early payoff suggestions • Savings goal tracking with progress and guidance • Smarter alerts based on your real spending patterns NEW — People & Family Money Tracking • Track money lent and borrowed with full history • Partial repayments and settlement tracking • Family account support with flexible tracking modes IMPROVED — Transfers & Account Management • More accurate handling of money movement across wallets • Better clarity between transfers, expenses, and savings • Improved credit card tracking with limits and due awareness ENHANCED — Reports & Predictions • More accurate monthly forecasts based on budgets and recurring activity • Improved category tracking and normalization • Better financial year and trend analysis RELIABILITY & PERFORMANCE • Extensive improvements across core calculations and data handling • Stronger backup and restore reliability • Smoother overall experience As always: • 100% offline — your data stays on your device • No ads. No tracking. No account required Thank you for using My Expense Tracker Plus ### 2.1 — 2026-04-08 What’s New in Version 2.1 Monthly Clarity dashboard with focused insights Month-end forecast including bills, recurring impact, and EMI awareness Improved search, sort, and filters in transactions Mixed-currency warnings for safer summaries Interactive income distribution breakdown Improved yearly and financial year charts UI improvements across main screens Fully offline. No ads. No tracking. ### 2.0 — 2026-04-06 Version 2.0 — The Complete Finance Suite This is the biggest update since launch. My Expense Tracker Plus is now a full personal finance suite with everything you need in one app. EMI and Loan Tracker Track personal, home, or vehicle loans. View remaining tenure, outstanding balance, total interest paid, and the impact of part or advance payments. Bill Reminders Add recurring bills such as electricity, internet, or subscriptions. Get notifications 48 hours, 24 hours, and on the due date. Mark bills as paid with one tap. Savings Goals Set financial goals with a target and deadline. Add contributions, track progress, and view contribution history over time. Net Worth Tracker Track all assets including bank accounts, investments, and property alongside liabilities for a complete financial overview. Category Trends Analyze spending patterns across 3, 6, or 12 months by category to understand how your expenses evolve. Customizable 50/30/20 Rule Adjust Needs, Wants, and Savings percentages to match your financial lifestyle. India Financial Year View View April to March financial year summaries designed specifically for Indian users. Full Backup and Restore Export all data including transactions, budgets, loans, bills, goals, assets, and diary entries as a JSON file. Restore anytime on a new device. CSV Export Export transactions by date range and category for accounting, tax filing, or analysis. Edit Recurring Transactions Modify recurring rules easily, including amount, frequency, or category, without recreating them. Spending Personality Insights Understand your financial behavior with insights based on your spending patterns. Improved Bill Visibility Bills that require attention now appear prominently on the home screen. Enhanced Monthly Diary Diary now includes automatic financial summaries along with your personal notes. All your data remains private and stored only on your device. No accounts, no cloud, and no tracking. Thank you for your continued support. ### 1.0 — 2026-01-08 No release notes. ## Apps similar to My Expense Tracker Plus | App | Rating | Price | Category | | --- | --- | --- | --- | | [Nafas APP](https://appshunter.io/ios/app/nafas-app/id1564258840) | — | Free | Utilities | | [Policy Tracker](https://appshunter.io/ios/app/policy-tracker/id6743746758) | — | Free | Utilities | | [Soony - Event Countdown Timer](https://appshunter.io/ios/app/soony-event-countdown-timer/id6748863397) | — | Free | Utilities | | [Authenticator App 2FA & MFA](https://appshunter.io/ios/app/authenticator-app-2fa-and-mfa/id6749535243) | 5.0 (2) | Free | Utilities | | [Secure Eraser](https://appshunter.io/ios/app/secure-eraser/id6758823794) | — | Free | Utilities | | [Income-Expense-Tracker](https://appshunter.io/ios/app/income-expense-tracker/id6757653196) | — | Free | Utilities | ## More apps by Karunakaran Pachaiappan - [Share Expenses Plus](https://appshunter.io/ios/app/share-expenses-plus/id6759805347) All apps by Karunakaran Pachaiappan: https://appshunter.io/developer/1867109689 --- *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 2026-08-30.*