# Wise Money - Budget Tracker — Offline budget & debt tracker > Private, offline budget and debt tracker for personal finance management. (iPhone/iPad app by Al Abjadiya.) - Source: https://appshunter.io/ios/app/wise-money-budget-tracker/id6795866725 (this page in markdown: same URL + `.md`) - Developer: [Al Abjadiya](https://appshunter.io/developer/1871504623) - Category: Finance, Productivity - Price: Free - Rating: 5.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 16.4 · 45 MB - Languages: American English - Released: 2026-08-10 - Data updated: 2026-08-23 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/wise-money-budget-tracker/id6795866725/reviews.md ## What is Wise Money? Wise Money is a private, offline budget tracker. Everything you record lives in a database on your own device — there is no account to create, no server to sync with, and nothing to lose when you have no signal. MONEY IN, MONEY OUT • Record income and expenses in seconds. • Split one payday across several accounts — part into Saving, part into Spending, as a single entry. • Move money between your own accounts with transfers that never change your total. • Attach a note to anything worth remembering. ACCOUNTS THAT MAKE SENSE • Start with Spending and Saving, then add as many as you like: Travel, Emergency Fund, Cash, whatever fits how you actually think. • Give each account its own icon and colour. • Reorder them so the one you use most sits at the top. NEVER FORGET WHO OWES WHO • Track what you lend and what you borrow, person by person. • Set a due date, or leave it open. • Settle a debt in a single tap — and unsettle it if you tapped too soon. • Your net worth already accounts for all of it: your balance, plus what you are owed, minus what you owe. SEE WHERE THE MONEY REALLY GOES • Every employer, shop and payee becomes a source, totalled automatically and ranked from biggest to smallest. • Open a source to see its income, its expenses, and any debts tied to that person. • Filter your full history by any date range you like. BUILT FOR REAL CURRENCIES • Choose your currency and the app follows its rules — the Iraqi Dinar is whole numbers, with no meaningless decimal places. • Change currency later and every amount you have already recorded is converted at a rate you supply. • Amounts are stored as exact whole units, so your totals never drift the way a spreadsheet's do. YOUR DATA IS YOURS • No sign-up. No cloud sync. No ads. No tracking. • Your ledger never leaves your device. The only thing Wise Money ever asks the network is whether a newer version exists. • Export a complete backup to a single file, then import it on a new device. • Clear everything whenever you want, and it is genuinely gone. Wise Money never asks who you bank with, and it never sends your numbers anywhere. ## Key features - Offline budget tracking - Income and expense recording - Debt tracking (lent/borrowed) - Customizable accounts - Source-based spending analysis - Currency support - Data export/backup ## Frequently asked questions about Wise Money ### Does Wise Money have ads? No, Wise Money is completely ad-free. The app is designed with user privacy in mind and does not display any advertisements. ### Is Wise Money free to use? Yes, Wise Money is available for free. There are no costs associated with downloading or using its core budgeting and tracking features. ### What devices is Wise Money available on? Wise Money is compatible with iPhone and iPad devices. It is designed to work seamlessly across Apple's mobile ecosystem. ### How secure is my financial data with Wise Money? Your financial data is highly secure as it remains entirely on your device. There is no account creation or cloud syncing, ensuring your ledger never leaves your phone or tablet. ### Can I track money lent and borrowed with Wise Money? Yes, Wise Money includes a dedicated feature to track who owes whom. You can record debts, set due dates, and easily settle them within the app. ### How often is Wise Money updated? The latest version of Wise Money is 1.3.0, last updated on August 14, 2026. Updates typically focus on improving functionality and user experience. ### What is the age rating for Wise Money? Wise Money has an age rating of 4+. This indicates it is suitable for users of all ages, with no mature content. ### Can I export my financial data from Wise Money? Yes, you can export a complete backup of your financial data to a single file. This allows you to easily import it onto a new device if needed. ## Version history (last 4 releases) ### 1.3.0 — 2026-08-14 - add currency per account - new user guid tour - make source input optional - easy input when add new income ### 1.2.0 — 2026-08-12 - Fix order account bottom sheet issue - make the amount size smaller after first set of digits ### 1.1.0 — 2026-08-11 Add multi settlements in Debts ### 1.0 — 2026-08-10 No release notes. ## More apps by Al Abjadiya - [Part.iq](https://appshunter.io/ios/app/partiq/id6758213615) - [Medical Eng](https://appshunter.io/ios/app/medical-eng/id6761012717) - [Rahaf - رهف](https://appshunter.io/ios/app/rahaf/id6761074317) - [Rahaf Provider](https://appshunter.io/ios/app/rahaf-provider/id6761137032) - [CureTab](https://appshunter.io/ios/app/curetab/id6762048797) - [CureTab Provider](https://appshunter.io/ios/app/curetab-provider/id6762347230) All apps by Al Abjadiya: https://appshunter.io/developer/1871504623 --- *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 2026-08-23.*