# Outlay – Smart Expense Tracker — Track Smarter. Spend Better.

> Track Smarter. Spend Better. (iPhone/iPad app by Ruptapas Chakraborty.)

- Source: https://appshunter.io/ios/app/outlay-smart-expense-tracker/id6758910743 (this page in markdown: same URL + `.md`)
- Developer: [Ruptapas Chakraborty](https://appshunter.io/developer/1493114959)
- Category: Finance, Utilities
- Price: Free
- Age rating: 4+
- Requires: iOS 26.0 · 15 MB
- Languages: American English, Hindi
- Released: 2026-07-18
- Data updated: 2026-08-26
- User reviews in markdown: https://appshunter.io/ios/app/outlay-smart-expense-tracker/id6758910743/reviews.md

## What is Outlay?

Take control of your money with Outlay, the privacy-first expense tracker powered by on-device AI.

CORE VALUE

↳ Unlike traditional apps, Outlay keeps your financial data completely on your device and iCloud — nothing is sent to external servers.

KEY FEATURES

##FREE##

# Smart Expense Tracking
 ↳ Log and categorise expenses effortlessly

# Privacy First
 ↳ No tracking. No ads. No data collection.

# iCloud Sync
 ↳ Seamless experience across all your iPhone and iPad devices

# Widgets - Home Screen & Standby mode
 ↳ Smart glanceable Widgets! For that moment when time is of the essence

##PAID##

# AI Insights (On-Device)
 ↳ Understand spending patterns with private, intelligent insights

# FinChat
 ↳ Engage with Oink, your personal finance AI companion, who is always on standby to provide real-time chat updates on your expenses.
 ↳ Ask questions about your spending, like:
   - "How much did I spend last weekend?"
   - "What did I spend the most on this month?"
 ↳ Get more pre-defined prompts in the built-in "Quick Prompt" library under the chat section

# Beautiful Customisations:
 ↳ Add themes of your choice based on your mood
 ↳ Express yourself using multilingual support starting with English & Hindi. More language support is coming in future. *AI responses are currently delivered in English
 ↳ Clean charts to understand your finances at a glance
 ↳ See your expenses on a map to understand where you are spending

# Gamification
 ↳ Gamify your spending by hitting your daily limit and stay motivated with Streak!

# Lookback
 ↳ With this option, look back on historical spending trends anytime


- Terms of service: https://www.ruptapas.com/outlay/outlay-terms-of-service-and-privacy-policy
- Privacy policy: https://www.ruptapas.com/outlay/outlay-privacy


## Version history (last 1 release)

### 1.0 — 2026-07-18

No release notes.

## More apps by Ruptapas Chakraborty

- [Poetik: On Poems and Poetry](https://appshunter.io/ios/app/poetik-on-poems-and-poetry/id1493114960)
- [Poetik Watch: On Poems, Poetry](https://appshunter.io/ios/app/poetik-watch-on-poems-poetry/id1493128854)

All apps by Ruptapas Chakraborty: https://appshunter.io/developer/1493114959

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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 2026-08-26.*