# Your Personal Finance - ByJo — Net Worth & Budget Tracker > Net Worth & Budget Tracker (iPhone/iPad app by Giuseppe Pio Cosenza.) - Source: https://appshunter.io/ios/app/your-personal-finance-byjo/id6738330716 (this page in markdown: same URL + `.md`) - Developer: [Giuseppe Pio Cosenza](https://appshunter.io/developer/1774193971) - Category: Finance, Utilities - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 18.6 · 4 MB - Languages: British English, French (France), German (Germany), Italian, European Portuguese, European Spanish - Released: 2024-11-20 - Data updated: 2026-08-08 - User reviews in markdown: https://appshunter.io/ios/app/your-personal-finance-byjo/id6738330716/reviews.md ## What is Your Personal Finance? ByJo is a smarter alternative to spreadsheets for managing your personal finances. Whether you're building wealth, tracking spending, or working toward financial goals, ByJo gives you a clear, beautiful picture of where you stand — completely privately. YOUR MONEY, YOUR RULES All data stays on your device. No accounts, no servers, no sharing. What's yours stays yours. TRACK EVERYTHING YOU OWN Add 40+ asset types — cash, bank accounts, crypto, real estate, stocks, ETFs, vehicles, and more. ByJo calculates your real net worth across all of them in one place. SMART SPENDING INSIGHTS • Spendmeter — compare today to yesterday, this week to last week • Monthly Summary — income vs. expenses at a glance • Top Expenses — know exactly where money goes • Savings Rate — measure how much of your income you keep • Asset Allocation — visualise your portfolio mix • Expense Breakdown & Trends — widgets for spending mix, net worth history, and savings rate over time WALLET AUTO-LOG Set up a Shortcuts automation so every card tap can land in ByJo. Assets and categories are matched or created for you. OPERATION SPLITS & CATEGORY BUDGETS Split a single transaction across multiple categories. Set a monthly budget per category and keep spending in check. RECURRING OPERATIONS Set up daily, weekly, monthly, or yearly recurring income and expenses. ByJo reminds you when payments are due and keeps a full history so nothing slips through the cracks. FINANCIAL GOALS Set a target amount for any asset, pick a due date, and watch your progress. Pin a goal to keep it front and center. Celebrate milestones — completed goals stay in your history forever. FUND TRANSFERS Move money between assets with a single swap. Both sides of the transfer are linked so your totals always add up. EXPORT & IMPORT Back up everything as JSON, or bring operations in from CSV. HOME SCREEN & LOCK SCREEN WIDGETS Net worth, savings rate, expense breakdown, spending trends, recurring payments, goals progress, and more — right on your home screen without even opening the app. SIRI & SHORTCUTS Log operations, transfers, and Wallet purchases hands-free with App Intents. Works with Siri and the Shortcuts app. CUSTOMISABLE HOME Rearrange and hide home widgets to match how you think about money. Put what matters most at the top. 50+ CURRENCIES Pick your preferred currency and see all values in one consistent, clean view. Download the app today to subscribe.  Subscription automatically renews based on your plan range (monthly or yearly).  Cancel anytime. Terms of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy policy: https://by-jo.com/privacy ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | ByJo Pro | $3.99 | per 7 days | | ByJo Family Pro | $9.99 | per month | | ByJo Pro | $3.99 | per month | | ByJo Pro | $39.99 | per year | | ByJo Family Pro | $99.99 | per year | | Monthly Pro Access | $4.99 | per month | | Annual Pro Access | $49.99 | per year | **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | ByJo Lifetime | $69.99 | one-time | | ByJo Family Lifetime | $119.99 | one-time | ## Version history (last 5 releases) ### 1.1.6 — 2026-08-02 • Budget Progress — See how each category budget is tracking this month, with clear progress bars and overspend alerts. • Debt Payoff — Track loan and credit balances, monthly payments, and estimated payoff dates on Home. • Net Worth Forecast — Project your net worth forward from recurring income and expenses. Thank you for using ByJo — keep the feedback coming. ### 1.1.5 — 2026-08-01 • Filter by Merchant — Narrow the operations list to a single merchant or payee and find spending faster. • Smarter Name Suggestions — Start typing an operation name and reuse past merchants in one tap. • More Reliable Editing — Operations without an asset or category open and save correctly. Thank you for using ByJo — keep the feedback coming. ### 1.1.4 — 2026-07-30 • Wallet Auto-Log — Set up a Shortcuts automation so every card tap can land in ByJo. Assets and categories are matched or created for you. • Export & Import — Back up everything as JSON, or bring operations in from CSV. • Operation Splits — Split a single transaction across multiple categories. • Category Budgets — Set a monthly budget per category and keep spending in check. • New Widgets — Expense breakdown, net worth history, spending trends, and savings rate trend — in-app and on your Home Screen. • Goals — Pin a goal to keep it front and center, plus milestone feedback as you progress. • Bulk Actions — Faster multi-select workflows for assets and operations. Thank you for using ByJo — keep the feedback coming. ### 1.1.3 — 2026-07-10 New app design and new features ### 1.1.2 — 2025-08-25 ByJo has introduced a new feature that allows users to exchange the amount of assets. ## Apps similar to Your Personal Finance | App | Rating | Price | Category | | --- | --- | --- | --- | | [xpenses: spending tracker](https://appshunter.io/ios/app/xpenses-spending-tracker/id6535679972) | — | Free | Finance | | [MyWallet - Finance Manager](https://appshunter.io/ios/app/mywallet-finance-manager/id1628278500) | — | Free | Finance | | [Treeview - Budget & Expenses](https://appshunter.io/ios/app/treeview-budget-and-expenses/id1628305750) | — | Free | Finance | | [Finance Manager: Budgetology](https://appshunter.io/ios/app/finance-manager-budgetology/id6748695540) | — | Free | Finance | | [BYB: Budget & Expenses Tracker](https://appshunter.io/ios/app/byb-budget-and-expenses-tracker/id6472663180) | 5.0 (16) | Free | Finance | | [Spenly](https://appshunter.io/ios/app/spenly/id6747989825) | — | Free | Finance | ## More apps by Giuseppe Pio Cosenza - [PomoTask - Progressive Timer](https://appshunter.io/ios/app/pomotask-progressive-timer/id6736973019) - [Foo - Your Digital Recipe Book](https://appshunter.io/ios/app/foo-your-digital-recipe-book/id6739758281) - [Black Swan - Unexpected events](https://appshunter.io/ios/app/black-swan-unexpected-events/id6745398469) - [Claud CO2](https://appshunter.io/ios/app/claud-co2/id6748361581) - [yPrompt – Your Teleprompter](https://appshunter.io/ios/app/yprompt-your-teleprompter/id6777453211) All apps by Giuseppe Pio Cosenza: https://appshunter.io/developer/1774193971 --- *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 2026-08-08.*