# Ratio Money - Finance Tracker — Expense, income and budget app > Personal finance tracker with spending analysis, receipt scanning, and visual insights. (iPhone/iPad app by Oluwatobi Omotayo.) - Source: https://appshunter.io/ios/app/ratio-money-finance-tracker/id1632361347 (this page in markdown: same URL + `.md`) - Developer: [Oluwatobi Omotayo](https://appshunter.io/developer/1606453205) - Category: Finance - Price: Free - Rating: 4.70/5 from 3 App Store ratings · 1 written reviews indexed - Age rating: 4+ - Requires: iOS 18.0 · 18 MB - Languages: American English - Released: 2023-06-13 - Data updated: 2026-08-16 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/ratio-money-finance-tracker/id1632361347/reviews.md ## What is Ratio Money? Ratio Money lets you see your finances in a whole new light. It analyses your spending patterns to give you personalised insights and tips. Whether you want to pay off debt, save for a vacation, or just live more comfortably, Ratio App helps you make the best financial decisions for your lifestyle. With Ratio App, you can: Track your money with ease and elegance. * Choose from a wide range of categories to suit your spending and income needs. * Customise your categories to reflect your personal habits and preferences. * Unique visualisation for your categories with personalised icons * Scan your receipts. No more manual typing or losing receipts. * Stay mindful of your spending habits with alerts and prompts that help you make conscious and smart choices. * Unlike most banking apps, our app lets you list the items in each transaction when adding a description. You can see what each expense transaction entails and how it affects your budget. Gain insights from your financial data and make better financial decisions. * See your finances in a whole new light with beautiful and interactive charts that show you the big picture of your money flow. * Know where your money goes with percentages that show you how each category affects your total spending and income. * Dive deeper into each category with breakdowns that show you the nitty-gritty of each transaction in each period. * Get weekly reports that summarise your financial activity and performance and give you tips and suggestions on how to level up your finances. * Find any transaction from the past with a simple search by keyword, category, date, amount. Privacy and security. * Hide your app data with redactions. * Use the app offline as well as online. Your data is securely synced across all your devices when you are back online. Use the app on multiple devices with the same account. Whether you use a phone, a tablet, or a computer, you can access your data from any device. Download Ratio App today and start managing your money smarter. By installing or using Ratio App, you agree to our Terms: https://www.ratiomoney.app/terms. ## Key features - Spending pattern analysis - Personalized financial insights - Receipt scanning - Customizable categories - Interactive financial charts - Weekly reports and tips - Offline and online access ## Recent user reviews (1 of 1) All indexed reviews: https://appshunter.io/ios/app/ratio-money-finance-tracker/id1632361347/reviews.md ### 4/5 — On its way to 5 stars! *2025-03-29* I’m grateful that it’s free. Thanks for that! This is an awesome application that grants visual records for your money trail. That is, as long as you’re IN the app. My one star deduction is due to the fact that there’s no available option to export your financial record as a pre-templated PDF file to edit, view and print for our personal account records. If that were an option I’d definitely give this a 5 star rating. ⭐️⭐️⭐️⭐️ 💫 ## Frequently asked questions about Ratio Money ### What is Ratio App? Ratio App is a personal finance tracker that helps you understand your spending habits through analysis and visualization. It offers features like receipt scanning and personalized tips to improve your financial decisions. ### Is Ratio App free to use? Yes, Ratio App is completely free to download and use. There are no hidden costs or subscription fees associated with its core functionality. ### Does Ratio App have ads? No, Ratio App is ad-free. You can manage your finances without any interruptions from advertisements. ### What devices does Ratio App support? Ratio App is currently available on iPhone. The app securely syncs your data across all your devices when you are online, allowing access from multiple platforms. ### How does Ratio App ensure privacy and security? Ratio App allows you to hide your app data with redactions for privacy. Your financial data is securely synced across your devices, and you can use the app both offline and online. ### Can I track specific items within transactions in Ratio App? Yes, unlike many banking apps, Ratio App lets you list the items in each transaction when adding a description. This provides a detailed view of what each expense entails and how it impacts your budget. ### How often is Ratio App updated? The latest version of Ratio App is 1.4.0, and it was last updated on November 10, 2023. Updates typically bring new features, bug fixes, and performance improvements. ### What is the age rating for Ratio App? Ratio App has an age rating of 4+. This indicates it is suitable for users of all ages, with no mature content. ## Version history (last 5 releases) ### 1.5.0 — 2026-08-11 New users can now use Ratio without signing in. Remote Sync is temporarily disabled. This will be restored in a new version with more robust infrastructure we're setting up on the new domain. Bug fixes and performance improvements. Let us know if you have any issues. ### 1.4.0 — 2023-11-10 Thank you for choosing to track your finances with Ratio App! What's New: This update is all about simplifying your financial life and ensuring you never miss a beat. Let's dive into the exciting new features: 1. Track Recurring Expenses: With this update, Ratio App now allows you to effortlessly track your recurring expenses. Whether it's monthly subscriptions, utility bills, or loan payments, the app keeps you in the loop automatically. 2. See Upcoming Bills: Wondering what bills are on the horizon? The "Upcoming Bills" section provides a snapshot of bills due in the coming days. Stay ahead of your financial commitments and avoid last-minute surprises. 3. Due Bill Reminders: Never miss a due date again! Ratio App now sends you timely reminders for upcoming bills, ensuring you stay on top of your financial responsibilities. Your Feedback Matters: As always, your feedback is crucial to us. Let us know how these new features are enhancing your financial experience and if there's anything else you'd like to see in future updates. Thank you for choosing Ratio App as your trusted financial companion. We're committed to helping you achieve financial success. We hope you love it as much as we love building it! ### 1.3.0 — 2023-09-28 Thank you for choosing to track your finances with Ratio App! What's New: - Points System: Earn Points every time you perform a finance tracking activity in-app. Points serve as a measure of your financial engagement and dedication. Points let unlock rewards and exclusive app benefits. - Streak Tracking: Building better financial habits requires consistency. With Streaks, you can track the number of consecutive days you've tracked your finances with the app. Whether it's logging expenses, income, “no-spend days, or analysing your financial data, Streaks keep you on the path to achieving your financial goals. - Badge Rewards: Achieving financial milestones deserves recognition. Our new Badge system rewards you when you complete specific finance tracking challenges or reach important milestones. Collect Badges to showcase your commitment to financial wellness. - Share Your Success: Celebrate your financial achievements with friends and family. You can easily share images of your earned Badges and milestones, inspiring others to take control of their finances. Why It Matters: - Enhanced Motivation: Points, Streaks, and Badges provide you with daily motivation to stay engaged in managing your finances. - Forming Stronger Habits: Streaks encourage you to track your finances consistently, helping you build and maintain better financial habits. - Celebrate Progress: Badges allow you to celebrate your financial achievements and milestones, no matter how big or small. - Inspire Others: Sharing your financial success with your social network can inspire others to embark on their own journey to financial wellness. That's all for now. We hope you love it as much as we love building it! ### 1.2.0 — 2023-09-07 Thank you for choosing to develop healthy financial habits with Ratio App. We appreciate your trust! Here are new features and improvements added to the app: - Add Merchant Information to Transaction. Categorise your expenses more accurately by adding merchant name. This will help you analyse your spending patterns and habits better and help you improve your financial management and planning. - Change Primary Currency Now you can change the primary currency in the app different from the currency based on your device region. Primary currency is used to display expense and income amounts across the app and to present reports generated from your financial data. - Bug Fixes Fixed a bug that prevented the chart labels from showing or hiding immediately after hide amount is toggled in privacy settings. and other performance improvements to make your experience better. That's all for now. We hope you love it as much as we love building it! ### 1.1.0 — 2023-08-23 Thank you for choosing to develop healthy financial habits with Ratio App. We appreciate your trust! Here are new features and improvements added to the app: - Income Tracking - We understand that managing your money isn't just about expenses. With our new Income Tracking feature, you can now effortlessly monitor your earnings alongside your spending. This comprehensive view empowers you to make more informed financial decisions and ensures you're optimising your financial health from all angles. - Whether you’re a business owner, freelancer or you work 9-5 with multiple income streams it’s important to keep track of how much you’re earning or receiving (for those who get a lot of cash gifts) to help you become financially responsible. - Transaction Type Filters - With the introduction of transition types, you can now filter insights and periodic summaries by transaction types: income and expense. - In addition, this feature improves how you categorise your financial data. You can now create custom income categories if you earn from different sources. - Hide Default Categories - We’ve gotten several feedback that categories can be overwhelming. - In this build you can now hide the default expense and income categories that ships with the app so that you can create your own personalised categories and organise your transactions in a unique way. - To hide default categories, go to App Settings and toggle the switch on and every time you want to choose categories for new transactions, only your custom categories would appear on the list. - UI Clean Up - We thought the app will look cleaner by removing grey backgrounds from the top navigation area and the tabs area in the app. - Tabs icons were also replaced with outline version rather than the filled version. - We made the green selection colour of the Time Period (Week, Month, Year) buttons on Insights screen lighter. Bug fixes: - Fixed an issue that prevented some users from seeing icons when creating new custom categories. In case you’re still experiencing this after updating your app, please send us a mail. That's all for now. We hope you love it as much as we love building it! ## Apps similar to Ratio Money | App | Rating | Price | Category | | --- | --- | --- | --- | | [Fudget: Monthly Budget Planner](https://appshunter.io/ios/app/fudget-monthly-budget-planner/id1664719450) | 4.7 (1,741) | Free | Finance | | [Home Budget Tracker & Planner](https://appshunter.io/ios/app/home-budget-tracker-and-planner/id1475406336) | 4.8 (295) | Free | Finance | | [MoneyCoach: Budget Planner](https://appshunter.io/ios/app/moneycoach-budget-planner/id989642198) | 4.5 (2,644) | Free | Finance | | [Buddy: Budget Planner App](https://appshunter.io/ios/app/buddy-budget-planner-app/id936422955) | 4.7 (9,337) | Free | Finance | | [PocketGuard・Budget Planner App](https://appshunter.io/ios/app/pocketguardbudget-planner-app/id949414211) | 4.6 (7,653) | Free | Finance | | [Money Manager Expense & Budget](https://appshunter.io/ios/app/money-manager-expense-and-budget/id560481810) | 4.8 (18,913) | Free | Finance | ## More apps by Oluwatobi Omotayo - [Prime Math - AI Math Solver](https://appshunter.io/ios/app/prime-math-ai-math-solver/id6746931470) All apps by Oluwatobi Omotayo: https://appshunter.io/developer/1606453205 --- *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 2026-08-16.*