# Rata y Fina: Expense Tracker — Save money, your way

> Visual expense tracker with customizable communication styles and savings goal setting. (iPhone/iPad app by Lucas Gemperle Ortiz.)

- Source: https://appshunter.io/ios/app/rata-y-fina-expense-tracker/id6787686922 (this page in markdown: same URL + `.md`)
- Developer: [Lucas Gemperle Ortiz](https://appshunter.io/developer/6787214428)
- Category: Finance, Lifestyle
- Price: Free with in-app purchases
- Rating: 4.50/5 from 8 App Store ratings · 2 written reviews indexed
- Age rating: 9+
- Requires: iOS 16.4 · 71 MB
- Languages: American English, French (France), German (Germany), European Portuguese, European Spanish
- Released: 2026-07-13
- Data updated: 2026-08-25
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/rata-y-fina-expense-tracker/id6787686922/reviews.md

## What is Rata y Fina?

The only expense app that tells you the truth.

Finance apps treat you like you're made of glass. Fina doesn't. Fina tells you what your bank won't: where your money actually goes every month. Gently… or with zero filter. Your call.

Subscription required to access all features.
The free version lets you track expenses in a single category.

What Fina PRO includes:
- Unlimited expenses, income and categories
- Fina's 3 tones, from sweet to no filter
- Stats and charts of your spending
- Savings goals and tracking
- Next month's expense and savings forecast

Subscription details
Fina Pro Weekly
Duration: 1 week

Fina PRO Annual
- Duration: 1 year

Pricing is shown in the app and in your local currency.

Simple, visual and intuitive. No spreadsheets, no charts you can't read, no lectures. Just you, your money and a chihuahua who never keeps quiet.

CHOOSE HOW FINA TALKS TO YOU
Good Vibes: supports you, no judgment. Zero guilt.
Real Talk: the truth with a wink, like your best friend.
No Filter: no holding back. You've been warned.

LOG EXPENSES IN SECONDS
Type it or dictate it. Fina categorizes it and answers you right away. Tracking your spending has never been this fast (or this fun).

YOUR NUMBERS, CLEAR AT A GLANCE
Category budgets, visual stats, and the subscriptions quietly bleeding you dry every month. Fina shows you what they add up to per year. Brace yourself.

SAVINGS GOALS YOU ACTUALLY HIT
That trip, that move, that little treat. Set the goal, add to it every month, and let Fina celebrate every step.

YOUR DATA IS YOURS ALONE
Everything stays on your device. We don't see your expenses, we don't share them, there are no accounts and no sign-ups. Your money is your business and nobody else's.

Download Rata y Fina and finally find out where your money goes. She'll tell you like no one else.

Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period.
Payment will be charged to your Apple ID account upon confirmation of purchase.
Renewal is charged within 24 hours prior to the end of the current period.
You can manage or cancel your subscription at any time in your account settings on the App Store.

Privacy Policy: https://app.notion.com/p/POL-TICA-DE-PRIVACIDAD-PRIVACY-POLICY-3920247adc9980db9410e5617ea0c8cf
Terms of Use: By subscribing, you agree to Apple's Standard End User License Agreement (EULA). View the full agreement here: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Key features

- Expense and income tracking
- Customizable communication tones
- Visual statistics and charts
- Savings goal setting and progress tracking
- Monthly spending and savings forecasts
- Data privacy (on-device storage)

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Fina PRO Annual | $24.99 | per year |
| Fina PRO Weekly | $3.99 | per 7 days |


## Recent user reviews (2 of 2)

All indexed reviews: https://appshunter.io/ios/app/rata-y-fina-expense-tracker/id6787686922/reviews.md

### 1/5 — SCAM

*2026-08-17*

SCAM — DO NOT WASTE YOUR MONEY

I feel completely scammed by this app. I paid $30 for it, and out of nowhere, it stopped working from one day to the next. Absolutely terrible experience. I do NOT recommend this app at all. Please don’t get scammed like I did and don’t waste your money!

### 5/5 — Práctica

*2026-08-14*

Me gusta

## Frequently asked questions about Rata y Fina

### What is Rata y Fina?

Rata y Fina is a finance app designed to help users understand their spending habits. It offers features like expense tracking, customizable communication styles, and savings goal setting, with a focus on visual clarity and user privacy.

### How does Rata y Fina handle my data?

Your financial data belongs only to you. All data is stored locally on your device, and the developers do not see or share your expenses. There are no accounts or registration required.

### What are the subscription options for Rata y Fina?

Rata y Fina offers two subscription plans: Fina PRO Weekly for €3.99 per week and Fina PRO Annual for €29.99 per year. A subscription is required to unlock all features beyond the free version's single category limit.

### Can I cancel my Rata y Fina subscription?

Yes, you can manage or cancel your subscription at any time through your App Store account settings. The subscription will automatically renew unless canceled at least 24 hours before the current period ends.

### What are the different communication styles in Rata y Fina?

Rata y Fina offers three communication tones: 'Good Vibes' for supportive, non-judgmental guidance; 'Klartext' for witty, honest advice like a best friend; and 'Ohne Filter' for brutally honest, unfiltered truths.

### How often is Rata y Fina updated?

The app was last updated on July 19, 2026, with version 2.0.0. This indicates a recent update, suggesting ongoing development and support for the application.

### Is Rata y Fina suitable for younger users?

Rata y Fina has an age rating of 9+. This suggests it is designed to be understandable and usable by individuals aged 9 and above, making it accessible for many younger users interested in managing their finances.

### What devices does Rata y Fina support?

Currently, Rata y Fina is supported on iPhones. Users with other Apple devices like iPads or Android phones may not be able to download or use the application at this time.

## Version history (last 5 releases)

### 5.6.1 — 2026-08-17

Your app and your bank, finally in sync.
- Match your balance in one tap: open your bank, type the number and Fina catches up on her own. Nothing you already logged gets touched.
- Every category gets its own cover: what you have spent takes the lead, and you see its weight in your month at a glance.
- Fina sounds like Fina everywhere: fewer bank words, more best-friend words.
- You can now add a photo to your story and earn the Verified seal.
- Plus lots of polish: log from any category, clearer accounts and sharper monthly maths.

### 5.6.0 — 2026-08-17

Your app and your bank, finally in sync:
- Match your balance in one tap: open your bank, type the number and Fina catches up on her own. Nothing you already logged gets touched.
- Every category gets its own cover: what you have spent takes the lead, and you see its weight in your month at a glance.
- Fina sounds like Fina everywhere: fewer bank words, more best-friend words.
- You can now add a photo to your story and earn the Verified seal.
- Plus lots of polish: log from any category, clearer accounts and sharper monthly maths.

### 5.2.0 — 2026-08-03

Shields that actually do their job. If you forget to log a day, your streak holds. And the second shield arrives at 7 days.
Your fixed costs, spot on. Rent lands on the right day, whatever time you add it. And if you type 1,200, it means 1,200.
Savings with both feet on the ground. You can't take out more than there is, auto-deposits stop once you hit the goal, and deleting a goal returns the money to your balance.
I remind you at 8pm, not at 3am.
Your currency and your thousands, written the way your country writes them.

### 4.1.0 — 2026-07-29

- A day without spending anything? Tell Fina! Zero-spend days now count toward your streak — because not spending is a win too.
- Tag the extra money you add to make it to the end of the month and see how much of a boost you needed each month in Stats.
- You can now share your email to receive information about your subscription.
- Assorted love and improvements for your streak and shields.

### 3.0.0 — 2026-07-24

Fina 3.0 — requested by 13,000+ users

Categories your way: rename any category, change its icon, or delete it (your expenses move to another one, they're never lost)
Hundreds of new icons, sorted by theme and searchable
Recurring expenses that work like real life: monthly, quarterly, yearly or every X months, with an end date (gym, rent for the school year)
Log every expense on the date it actually happened: on Sunday you catch up on the whole week
Budgets for future months: plan September back in July
Fixed: the keyboard no longer covers what you're typing

## Related topics

[gastos control](https://appshunter.io/ios/topics/gastos-control) · [spend control](https://appshunter.io/ios/topics/spend-control) · [tiago pitteri](https://appshunter.io/ios/topics/tiago-pitteri)

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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 2026-08-25.*