# Silo - Budget & Bills Tracker — Your money. Private. Offline. > Your money. Private. Offline. (iPhone/iPad app by Joeren Christopher Lee.) - Source: https://appshunter.io/ios/app/silo-budget-and-bills-tracker/id6802341104 (this page in markdown: same URL + `.md`) - Developer: [Joeren Christopher Lee](https://appshunter.io/developer/6802341106) - Category: Finance, Lifestyle - Price: $2.99 - Age rating: 4+ - Requires: iOS 16.4 · 55 MB - Languages: American English - Released: 2026-09-17 - Data updated: 2026-10-08 ## What is Silo? Silo is a private, offline-first money tracker. No cloud, no ads, no bank logins, no account required — everything stays on your device. Open the app and instantly see what's safe to spend today, your spending pace, and a forecast of your balance for the weeks ahead. WHAT YOU CAN DO • Safe-to-spend, daily — know what's free to spend, with over-pace warnings and a run-out-date prediction • Budget your way — a simple 50/30/20 split or detailed per-category caps with alerts; move funds between caps in a tap • Analytics — see where your money goes: monthly spend, income, savings rate, and multi-month trends • Accounts & net worth — cash, cards, loans and investments unified into one net worth, with history built from your own ledger • Bills, debts & splits — bills, who owes whom, split bills, installments and loans in one place • Recurring that logs itself — subscriptions and salaries auto-log (or ask first); Silo even surfaces recurring charges hiding in your history • Forecast & calendar — a day-by-day view of money in, out, and transfers • Goals & wishlist — save toward what matters and plan the big buys • Trips & multi-currency — budget every trip and spend in the local currency, unified in your home currency • Fast logging — log from a Home Screen widget, Back Tap, or scan a receipt total; Silo recognizes merchants and suggests the category • Private by design — Face ID lock, hide-amounts glance, and fully offline Silo is for people who want clarity over their money without handing their data to anyone. Not a bank. Silo is a personal ledger you keep yourself — no bank connections, transfers, lending, trading, or financial advice. ## Is Silo safe? Not enough ratings yet to assess Silo. ## Is Silo legit? Silo - Budget & Bills Tracker has limited verification signals. The AppsHunter Legitimacy Score for Silo is 58 out of 100 points across 7 verification signals from App Store and developer data. ## Version history (last 5 releases) ### 1.4.0 — 2026-10-05 Bank alerts (Beta) just got smarter • Offers, cashback promos and announcements are skipped, so only real money movements are logged. • Logged something that wasn't a transaction? Open it and tap "This wasn't a transaction", and Silo ignores messages like it from then on. Manage what's ignored in Settings → Bank notifications. • Undo right after an alert logs something. • Set it up in one tap with the ready-made automation in Settings → Bank notifications. • "Cashed in" and "cashed out" alerts are recognised, and amounts are read more reliably. Also new • A new Other category for shops Silo hasn't seen before, counted with your Wants until you file it. • Add a photo to a wishlist item. • Repeating bills you restore from Recently Deleted, or whose account you un-archive, pick up from today. • With app lock on, notifications inside Silo wait until you unlock. ### 1.3.0 — 2026-10-01 Silo 1.3 is the biggest update yet. • A new look: every screen redrawn, lighter and clearer, with Apple's Liquid Glass tab bar on iOS 26. • Bills has its own tab, and the + floats just above the tab bar. • All transactions: filter by type, category, tag and date range, tick rows to delete several at once (with Undo), and it opens faster. • Copy to iCloud: restore your records on a new iPhone or after reinstalling. • Log from your bank's alerts (Beta, iOS 27): a notification from your bank or e-wallet can log the payment by itself, read on your iPhone. • Save a fixed amount every month in Budgets, before Needs and Wants. • Split a bill with a senior or PWD discount given to the right person. • Long receipts in up to four parts, read as one, and Apple Intelligence as an optional checker (Beta). • Smarter recognition of words to shows the logo. • Each wish has its own page, and edit and delete are icons throughout. • A gentle reminder at 8:00 PM on days you haven't logged anything. • Alerts and widgets keep up with the date; a tighter app lock; many fixes. As always, everything stays on your iPhone. ### 1.2.0 — 2026-09-25 - Smarter receipt scanning. Scan with the camera or pick a photo you already took. Silo reads the items, the total, and discounts like VAT, PWD, senior and service charge, so the receipt adds up. - Split a receipt by person. Assign each item to whoever had it. You can nudge friends for what they still owe. - Budget by the week or the day, and carry over what's left. - New widgets: a dashboard, Quick Add and lock-screen widgets. - Apple Pay auto-log, set up in one tap on iOS 27. - Search from Home. Find a store, a receipt item, a category or an amount. - Weekly safety copies of your data, kept on your phone. - Money in more shapes: installments, loans, refunds, foreign-currency accounts, and statement export to PDF or CSV. Fixes, including a crash when adding a debt. ### 1.1.0 — 2026-09-23 Silo 1.1 is a big one. FIXED • Add debt no longer crashes. NEW • Apple Pay logging — tap to pay and the expense logs itself, through a Wallet automation you set up once in Settings. • Alerts on your phone — bills, card payments, budgets and reminders, at the time of day you pick. • Smarter receipt scanning — scans read the line items, so a receipt becomes an itemised expense you can split. • Accounts in other currencies — keep a dollar or yen account in its own currency, with its value in yours beside it. • Statements you can export — save any account as a PDF or spreadsheet for any date range. BETTER • Analytics — two rings show where your money went and where it came from, by category or by account. Tap any slice. Trends run from a week to a year. • Installments work the way your bank does them: the full amount is held against your credit limit, billed month by month, and counted as spending month by month. • Refunds give their budget the room back, and a friend's share of a split bill can land straight in your account. • Loans end when the bank says — enter your instalment and how many are left. • Amounts and trip currencies now follow the currency you chose, wherever you are. ### 1.0 — 2026-09-16 No release notes. ## Apps similar to Silo | App | Rating | Price | Category | | --- | --- | --- | --- | | [Tally: Budget Tracker](https://appshunter.io/ios/app/tally-budget-tracker/id6765954148) | — | Free | Finance | | [LaunchLab Money: Budgeting](https://appshunter.io/ios/app/launchlab-money-budgeting/id6787271080) | — | Free | Finance | | [Obolos: AI Expense Tracker](https://appshunter.io/ios/app/obolos-ai-expense-tracker/id6788265518) | — | Free | Finance | | [Trackle - Manage Subscriptions](https://appshunter.io/ios/app/trackle-manage-subscriptions/id6762465344) | — | Free | Finance | | [Subscription Manager - Niro](https://appshunter.io/ios/app/subscription-manager-niro/id6758259513) | 5.0 (2) | Free | Finance | | [EveryPeso - Money Manager](https://appshunter.io/ios/app/everypeso-money-manager/id6755925451) | 5.0 (1) | Free | Finance | --- *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 2026-10-08.*