# Simply Finance: Budget Tracker — Private Expense, Bills & Debt

> Private Expense, Bills & Debt (iPhone/iPad app by Jerico Pulvera.)

- Source: https://appshunter.io/ios/app/simply-finance-budget-tracker/id6757169112 (this page in markdown: same URL + `.md`)
- Developer: [Jerico Pulvera](https://appshunter.io/developer/1865033933)
- Category: Finance, Productivity
- Price: $2.99 with in-app purchases
- Age rating: 4+
- Requires: iOS 17.0 · 22 MB
- Languages: American English, French (France), German (Germany), Indonesian, Japanese, Korean, Brazilian Portuguese, European Spanish
- Released: 2026-02-21
- Data updated: 2026-10-13

## What is Simply Finance?

Simply Finance is a private budget tracker you buy once and own. No subscription, no ads, no account, no bank login. Everything in the app is included.

WHAT YOU GET
• A daily brief on Home: what may be safe to spend, what changed since last month, what is due next, and how long your cash lasts
• Budgets by category — daily, monthly, or yearly — with spent and remaining amounts
• Recurring bills and income, with reminders
• Debt payoff dates and estimated interest
• Savings goals and the pace you need to hit them
• Cash flow, net worth, spending, category, and tag reports
• Ask AI: questions about your own finance history, answered on-device where supported or through a provider you configure with your own key. Cloud AI is off by default.
• Widgets and Shortcuts, including Auto Transaction rules for supported bank alert text
• 150+ currencies with editable exchange rates
• Light and dark mode on iPhone and iPad

PRIVATE BY DESIGN
• Your ledger lives on your device and works offline
• No account, no analytics, no behavioral tracking
• Encrypted sync across your devices is included. Relay operators cannot read your records, and you can run your own relay.
• Export your data any time

BRING YOUR HISTORY
Import from YNAB, Mint, Monarch, Copilot, Tarsi, or any CSV — including bank statements with Debit and Credit columns. Preview accounts, categories, dates, and duplicates before saving; importing the same file twice never duplicates entries. Automatic bank feeds are not included: entry is manual, imported, or from alert-text rules.

ONE PRICE, EVERYTHING INCLUDED
Buy once. Every feature and every update, with nothing to unlock later. Already have Simply Finance? This update is free and unlocks everything for you too.

Optional managed relay hosting from SimplySync Cloud is a separate service with its own terms. The built-in relay and self-hosting are always available.

## Pricing and in-app purchases

Base price: $2.99.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Full Version | $4.99 | one-time |


## Is Simply Finance safe?

Not enough ratings yet to assess Simply Finance.

## Is Simply Finance legit?

Simply Finance: Budget Tracker has limited verification signals. The AppsHunter Legitimacy Score for Simply Finance is 58 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 5 releases)

### 2.1.4 — 2026-09-12

A polish release. Everything here is the app agreeing with itself, screen to screen.

• Add Transaction: Date, Amount and Account are the same height, and Account is a full-width, properly labelled picker
• Sheets say Save, Done or Apply instead of showing a bare checkmark
• Cash Flow, Category Spending and Spending by Tag have one period control instead of two — tap the period name to change the scope
• Net Worth's chart names its three series: assets, debt and net worth
• Budgets and Plan Progress draw the same budget row, so the two screens read alike
• Home leads with one headline instead of competing ones
• Ask Sim's answer-source switch matches the segmented controls elsewhere in the app
• New Account, New Category and Auto Transactions group their fields instead of stacking cards
• Cloud AI offers the current Claude models

### 2.1.3 — 2026-09-11

Simply Finance is now a one-time purchase with everything included. If you already have the app, this update is free and unlocks encrypted sync and detailed reports for you too — nothing to buy or restore.

Also in 2.1.3:
• Import bank statements: Other CSV now accepts Debit and Credit columns, Description, Payee or Merchant titles, and Transaction or Posting Date headers
• YNAB transfers import as transfers, and re-importing an older file no longer duplicates them
• Large imports show a running row count instead of a spinner
• CSV export includes each transaction's title
• Debt rows line the balance and payoff projection up with the Pay button

### 2.1.2 — 2026-09-07

Simply Finance 2.1.2 adds a faster way to log a transaction, plus fixes.

• New: Record by conversation. Turn it on in Customize > Transaction Entry and Home's add button becomes a capture field — type or dictate "coffee 50" and confirm before anything is saved. Off by default.
• Debt accounts now show their balance on their own row
• Plan preview rows open the full plan on tap
• Logging a transaction completes that day's budgeting streak
• The floating add button is back to its correct size

Simply Finance stays free to try, with no ads, no tracking, and no limit on what you track. Existing customers keep Full Version access.

### 2.1.1 — 2026-08-23

Simply Finance 2.1.1 fixes an important issue.

• Fixes the floating add button sometimes not responding after returning to the app — a tap could open the transaction behind it instead of starting a new entry

Existing customers keep Full Version access.

### 2.1.0 — 2026-08-16

Simply Finance 2.1 makes daily money reviews calmer and more useful.

• Start with a compact daily brief and build a budgeting review streak
• Ask AI from Home, continue with follow-ups, and reopen saved conversations
• See budget progress before spending and undo recent corrections
• Choose whether tapping a category saves immediately or only selects it
• Add loan terms to estimate debt payoff dates and total interest
• Get clearer debt-payment reporting, reminders, imports, and sync safety

Existing customers keep Full Version access.

## Apps similar to Simply Finance

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Providence Finance](https://appshunter.io/ios/app/providence-finance/id6759183530) | 5.0 (1) | Free | Finance |
| [Finnly: Budget & Money Tracker](https://appshunter.io/ios/app/finnly-budget-and-money-tracker/id6781318218) | — | Free | Finance |
| [PiggyPulse](https://appshunter.io/ios/app/piggypulse/id6761050079) | — | Free | Finance |
| [Offsheets](https://appshunter.io/ios/app/offsheets/id6764506585) | 5.0 (1) | Free | Finance |
| [Wallet+ Money Tracker](https://appshunter.io/ios/app/wallet-plus-money-tracker/id6761615265) | — | Free | Finance |
| [Pebble - Paycheck Budget](https://appshunter.io/ios/app/pebble-paycheck-budget/id6763922179) | 5.0 (9) | 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 2026-10-13.*