iClara PFM:Envelope Budgeting
Offline Cash & Expense Tracker
$29.99 · Designed for iPad. Not verified for macOS.
Also Included In
See your period balance and real balance at a glance. Envelope budgeting offline, private, yours forever.
Envelope budgeting that lives on your iPhone. No internet. No accounts. No subscriptions. Your money, your rules — yours forever.
iClara PFM: Envelope Budgeting & Expense Tracker
Where did your money go this month? iClara PFM gives you real control over your personal finances using the envelope budgeting method — offline, no bank sync, no subscriptions, no ads. Everything lives on your iPhone. Everything belongs to you.
ENVELOPE BUDGETING, DIGITIZED Assign spending limits to each source the way you would with physical envelopes. When the envelope runs out, you know it. No surprises at the end of the month.
FAST, ORGANIZED TRACKING Add income, expenses, and transfers in seconds. Categories, vendors, payment methods, and notes — all in one place. Filter, search, and understand your spending patterns with full history.
VISUALIZE YOUR MONEY Home dashboard with category pie charts, line trends, source breakdowns, and income vs. expense comparison. See your current balance and real balance at a glance in the summary and per source.
TOTAL PRIVACY — NO COMPROMISES No data leaves your device. No cloud sync. No bank access. No tracking. No ads. Protected with PIN or Face ID.
LOCAL BACKUP Export and import your data as a JSON file. Your financial system survives any device change without depending on anyone's servers.
REMINDERS THAT BUILD HABITS Daily or weekly local notifications so you review your finances before the month gets ahead of you.
ONE-TIME PURCHASE. FOREVER. No monthly fees. No premium tiers. No tricks. Pay once and everything is yours — including future updates. Shareable with up to 6 people via Apple Family Sharing. One purchase for the whole family.
Take control of your money today. Download iClara — private, offline, yours forever.
Ratings & Reviews
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- Installments (MSI) Split any expense into 2–36 monthly payments aligned to your source's billing cut day. Dates generate automatically and are read-only. When editing, choose between modifying the entire plan (rebuilds all payments) or just a single installment. Converting an existing expense prompts confirmation before replacing the original. Deleting an installment removes the whole plan atomically.
- Billing cycle cut day for expense-only sources Set a cut day (1–28) for credit cards and other expense-only accounts. Period windows on the dashboard and source detail align to your real billing cycle. When you change the cut day, existing installments recalculate while respecting payments already processed.
- Commitment balance & available credit Expense-only sources now show your available credit (limit − committed balance, including future installments) on both the dashboard and source detail. A new horizontal credit usage bar (green = available, red = used) replaces the old pie chart.
- Unique source colors Expanded palette to 15 colors with better contrast. Colors already used by other sources appear crossed out — no duplicates. The color dot on recent transactions now shows the source's actual color.
The developer, Carlos Fernando Hernandez, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Carlos Fernando Hernandez
- Size
- 2.2 MB
- Category
- Finance
- Compatibility
Requires iOS 18.6 or later.
- iPhone
Requires iOS 18.6 or later. - iPad
Requires iPadOS 18.6 or later. - Mac
Requires macOS 15.6 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 2.6 or later.
- iPhone
- Languages
English and 2 more
- English, Russian, Spanish
- Age Rating
4+
- 4+
- Copyright
- © 2026 - Carlos Fernando Hernandez

