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Effective Expenses
A minimal, easy-to-use, yet powerful expense and income tracker.
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Expense & Income Tracking

Whether it's a cup of coffee or your monthly salary, easily log and manage expenses and income in one place.

Recurring Transactions
Schedule recurring expenses and income so you never miss rent, subscriptions, or payday.
Upcoming Transactions
See upcoming and scheduled transactions in one dedicated view.
Multiple Selection
Select several transactions at once to change their category or delete them in one go.
Built-in Calculator
Do quick math in the amount field when adding or editing a transaction. No app switching!
Smart Pickers
Create or choose accounts and categories right while adding a transaction. No switching screens.

Receipt & Screenshot Scanning

Less typing: turn a receipt photo or a payment screenshot into a transaction draft, or share a screenshot to Expenses right from any app.

Scan an image
Tap the scan button in the transaction form and pick a receipt photo or a screenshot from your library. The text is read on your device.
Review and save
Name and amount are filled in for you. Check the draft, pick an account and a category, and save.

Apple Wallet Transactions

Automatically import transactions from Apple Wallet with Shortcuts automations.

Automatically imported
After creating the automation in the Shortcuts app, Apple Wallet transactions will be automatically detected by Expenses.
You are in control
You'll find them on the home tab and in a dedicated section where you'll be able to categorize them and confirm them.

Accounts & Categories

Organize your finance your way! Create accounts and categories and customize them with colors and emojis.

Dedicated Views
See all your categories at a glance as cards, separated for expenses and income, and all your accounts with their totals.
Sorting
Sort categories by name, by total amount, or by number of transactions.
Customization
Create new accounts or categories in seconds, with colors and emojis that fit your style.
Deep dive
Drill into each account or category to see how your spending changes over time.

Analytics

Get simple and clear insights into where your money goes. Choose all time, a year, a month, a week, or a custom range and compare it with the previous period.

Reports

Answer your own questions about your money. Create reports, save them, and pin your favorites to the Analytics tab.

Ready-made reports
Start from spending by category, spending trend, largest expenses, frequent purchases, category increases, weekday vs weekend, or recurring costs.
Live preview
Adjust the period and filter by accounts and categories: the preview updates as you go.
Recurring costs
Review your recurring series, how often they occur, and their average cost.
Saved & pinned
Saved reports are recalculated every time you open them. Pin the ones you use most to see them in Analytics.

AI Assistant

Ask questions about your money in plain language. Answers link to the transactions, accounts, and categories they refer to, and are generated on your device with Apple Intelligence.

AI assistant spending comparison conversation
Ask follow-up questions
Compare months, explore where your spending changed, and keep the conversation going.
Saved AI assistant conversations
Conversation history
Open past conversations whenever you want to revisit a question. Requires a device that supports Apple Intelligence.

Home Screen Widgets

Add widgets to your home screen to check your spending or savings at a glance.

Customizable
Customize what you see: yearly, monthly or weekly totals.
Dark Mode
Widgets support dark mode to match your device appearance.

Fast & Intuitive Interface

Use swipe actions and context menus to quickly edit, delete, or set defaults for accounts, categories, and transactions.

Built-in Calculator
Do quick math in the amount field when adding or editing a transaction. No app switching!
Smart Pickers
Create or choose accounts and categories right while adding a transaction. No switching screens.
Search & Filters
Search across your transactions, categories, and accounts from a single screen, and narrow the results by account, category, or date.
Contextual Menus
Long press on transactions, accounts, or categories to quickly perform actions.
Swipe Actions
Use swipe actions on transactions and accounts to quickly edit or delete items.

Settings

You don't need income tracking, accounts or you don't want to see charts? Tailor the app to fit your needs.

Customizable
Tailor the app to fit your needs.
Daily Reminders
Set a daily reminder to log expenses and income consistently.
Backup & Import
Easily back up and import your data, including saved reports, with JSON files.

Dark Mode

Looks great day or night with full dark mode support.

iCloud Sync

Keep your data private, safe, and up to date across all your Apple devices with iCloud sync.

Check Sync Status
Check if the iCloud account is correctly setup and your data is being synced with a dedicated screen in the settings.