# Net-Worth & Expense Tracker — AI Savings, Budget & Bills > Private budget and money tracker with on-device AI and no bank linking. (iPhone/iPad app by Adalberto Dominguez Segura.) - Source: https://appshunter.io/ios/app/net-worth-and-expense-tracker/id6761645067 (this page in markdown: same URL + `.md`) - Developer: [Adalberto Dominguez Segura](https://appshunter.io/developer/1890628437) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 5.00/5 from 4 App Store ratings · 3 written reviews indexed - Age rating: 4+ - Requires: iOS 18.6 · 18 MB - Languages: American English, European Spanish - Released: 2026-04-23 - Data updated: 2026-08-26 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/net-worth-and-expense-tracker/id6761645067/reviews.md ## What is Net? Your money, your finances and nobody else's business. TrackSmart is the budgeting app that never asks for your bank login. No account linking, no third-party data brokers, no servers holding your financial life. Your financial data stays on your device and in your own private iCloud. PRIVATE BY ARCHITECTURE, NOT BY PROMISE • No bank credentials required — ever • No account, no email, no sign-up • Your financial data lives on-device and in your private iCloud • On-device AI: your transactions are never sent to the cloud SEE YOUR WHOLE NET WORTH Track everything you own and owe in one place. Add assets and liabilities, log account values over time, and watch your net worth trend — alongside a beautifully redesigned account view with balance history, top categories, and credit-utilization at a glance. • Net-worth tracking with valuation history • Redesigned account detail — balances, statistics, and trends ON-DEVICE AI THAT UNDERSTANDS YOUR MONEY Powered by Apple Intelligence, TrackSmart generates plain-language summaries of your spending — what changed, what's unusual, and what deserves your attention — entirely on your device. • AI spending summaries generated locally, never in the cloud (AI summaries require a device with Apple Intelligence.) INSIGHTS DEEPER THAN A PIE CHART • Cash-flow forecast — see where you're headed, not just where you've been • Money Flow view — exactly where every dollar goes, income in to spending out • Spending breakdowns by category, merchant, and trend • Automatic subscription detection — catch the charges you forgot about • Unusual-spending alerts before they become a habit BUDGETS & GOALS THAT STICK • Monthly and category budgets with clear progress • Savings goals you can actually watch grow • Recurring transactions and smart categorization rules IMPORT WITHOUT LINKING • Import transactions straight from PDF statements — no Plaid, no bank connection • Export polished PDF reports for taxes or your own records LIVES ON YOUR HOME SCREEN Five widgets — Spending Summary, Budget Progress, Cash Flow, Net Worth, and Quick Add — keep your money one glance away. AVAILABLE IN ENGLISH AND SPANISH TrackSmart is fully localized — every screen, every insight, in both languages. START FREE Track multiple accounts, budgets, goals, and tags at no cost. Upgrade to Pro for unlimited everything, advanced insights, PDF import/export, and on-device AI spending summaries. Not sure yet? Turn on Demo Mode in Settings to explore the entire app with realistic sample data — no signup, and your own data stays untouched. No bank login. No data brokers. No catch. Just your money, finally private. ## Key features - On-device AI spending summaries - No bank login required - Cash-flow forecasting - Budget and goal tracking - PDF statement import - Home screen widgets ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Pro Monthly | $6.99 | per month | | Pro Annual | $44.99 | per year | ## Recent user reviews (3 of 3) All indexed reviews: https://appshunter.io/ios/app/net-worth-and-expense-tracker/id6761645067/reviews.md ### 5/5 — Te facilita la vida. *2026-05-14* Me encanta esta app, me facilita mantener mis finanzas al dia. Es fácil e intuitiva. Ahora hasta mis hijas la utilizan y llevan un mejor control de sus gastos. **Developer response:** ¡Hola, muchas gracias por tu reseña! Me alegra mucho saber que TrackSmart les está siendo útil a ti y a tus hijas. Que toda la familia lleve un mejor control de sus finanzas es exactamente para lo que fue creada la app. Si alguna vez tienen alguna sugerencia o idea, no duden en escribirme. ¡Gracias por el apoyo! ### 5/5 — Amazing expense tracker app *2026-04-29* This expense tracker app is simple, fast, and genuinely useful. It makes logging expenses effortless and turns your spending into clear, easy-to-understand insights. The clean design and smart features help you stay on top of your finances without feeling overwhelmed. A great choice for anyone who wants better control of their money. **Developer response:** Really appreciate this! "Simple and fast" is exactly what we aim for — tracking your money shouldn't feel like a chore. We're constantly working on making the app even smarter, so stay tuned. Thanks for taking the time to leave a review! ### 5/5 — Best Financial Tracker *2026-04-25* Easy to use, extremely user friendly, and very customizable . I like the demo mode because of the fact that I do not need to upload my personal bank account into the app. I would highly recommend the app to anyone who is looking forward to have a better control of their finances. **Developer response:** Thanks for the kind words! Keeping your finances private without requiring bank logins is exactly what TrackSmart was built for. Glad you're enjoying it! ## Frequently asked questions about Net ### Does TrackSmart have ads? No, TrackSmart does not contain advertisements. The app is free to use with optional in-app purchases for advanced features. ### What are the subscription options for TrackSmart Pro? TrackSmart Pro offers two subscription plans: Pro Monthly at $6.99 per month and Pro Annual at $44.99 per year, providing unlimited features and advanced insights. ### How does TrackSmart ensure user privacy? TrackSmart is designed for privacy, keeping all financial data on your device and in your private iCloud. It never requires bank credentials, account sign-ups, or sends your transactions to the cloud. ### Can I try TrackSmart before upgrading? Yes, you can turn on Demo Mode in Settings to explore the entire app with realistic sample data without any signup or impact on your own data. ### What devices is TrackSmart available on? TrackSmart is currently supported on iPhone devices, with all features and insights localized in English and Spanish. ### How frequently is TrackSmart updated? The latest version of TrackSmart is 1.4, and it was last updated on May 21, 2026, indicating regular maintenance and feature additions. ### What is the age rating for TrackSmart? TrackSmart has an age rating of 4+, making it suitable for a wide range of users interested in managing their finances. ### Can I import my financial data into TrackSmart? Yes, TrackSmart allows you to import transactions directly from PDF statements, eliminating the need for direct bank connections or third-party services. ## Version history (last 5 releases) ### v1.7 — 2026-08-18 Invest without false overspend alerts — money moved into a brokerage, Roth IRA, or investment account now counts as a transfer, not an expense, and appears in a unified activity timeline on the account. Smarter goals— spend from a goal with a credit card, funded goals stay "reached," and an in-the-moment nudge if a goal spend would exceed a budget. Plus more accurate Money Flow and Financial Pulse, sharper subscription detection, and dozens of reliability fixes. ### 1.6 — 2026-07-23 Savings Goals are here — the big one. Turn "I should really save for that" into a plan you can watch fill up. Create a goal, fund it from your cash, and see every contribution in a running history. TrackSmart shows your funding pace so you know if you're on track, lets you spend from a goal when the moment comes, and celebrates the win when you hit your target. Goals reserve against your spendable cash — net of credit-card debt — so a goal never tells you money is free when it isn't. See your net worth the way you think about it. The net-worth card now has a lens selector — tap to switch between Net Worth, Liquid, Investments, Assets, and Liabilities. The new Spendable lens (cash minus card debt) answers the only question that matters some days: what can I actually spend right now? Account lists and totals react to the lens you pick. Log spending in a tap. A new quick-add button puts expense entry one tap away (hold for income or a transfer). A redesigned budget form with a live allocation bar and faster money entry makes setup quick, and a new inline yearly income-vs-expenses chart shows the shape of your year at a glance. Your data, safe and yours. Backups now restore with a clear progress bar and an authoritative "Replace All" that makes your backup the single source of truth across every device — with a plain-language warning before anything is erased. Plus dozens of accuracy and reliability fixes under the hood. Sharper insights. "Safe to Spend" now accounts for upcoming income, so a paycheck on the way no longer makes your forecast look scary. Subscription detection catches more of your real monthly subscriptions. And amounts are now precise for every supported currency, including zero-decimal ones like the Chilean and Colombian peso. Thanks for using TrackSmart. We read every review — keep the feedback coming. ### 1.5 — 2026-06-30 Net worth is here. Track assets, debts, and account values over time — see your whole financial picture in one place. Plus a redesigned account view, full Spanish support, and a clearer Money Flow chart. Faster, cleaner, and still 100% on-device. ### 1.4 — 2026-05-21 • iCloud sync: your notification preferences and dismissed nudges now sync across all your devices. Set it once, get the same experience on iPhone, iPad and Mac. • Polish and small fixes throughout the app. ### 1.3 — 2026-05-06 Hola! TrackSmart ahora en español. NEW: AI SPENDING INSIGHTS (Pro) Your Insights tab now includes an AI-generated spending summary — powered entirely on-device by Apple Intelligence. Get weekly highlights on unusual patterns, category shifts, and actionable tips without your data ever leaving your phone. NEW: SPANISH LOCALIZATION Every screen, every insight, every nudge — todo en español. Language is set automatically based on your device. NEW: GUIDED ONBOARDING A beautiful 5-step onboarding flow walks you through setting up accounts, choosing categories, and personalizing notifications — so you're tracking smarter from day one. IMPROVEMENTS • Redesigned Cash Flow Forecast card with clearer projections • Spending Intelligence card now surfaces sharper, more actionable insights • Money Flow chart rendering improvements • Stability and performance improvements --- *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 2026-08-26.*