Defter: Personal Ledger
Cash flow, cards & rewards
Only for iPhone
Free · Designed for iPhone. Not verified for macOS.
iPhone
Defter tracks your cards and banks, spots missed rewards, and forecasts your month — private, on-device, and free to start.
**Defter** (Turkish for "notebook") keeps your financial life on one calm, beautiful page — and opens like one.
**Free, forever:**
• Track cards and accounts manually — balances, statements, due dates
• Apple Card, Apple Cash & Savings sync, fully on-device
• Best-card picker: know which card earns the most before you swipe
• Custom reward rules + benefits — tiered earn rates, sign-up bonuses, and perks like companion fares, tracked toward their spend thresholds
• Favorite, reorder, and sort your cards however you think about them
• Statement cycles, payment-due calendar, and smart reminders
• Cash flow, net worth history, monthly forecast, missed-rewards insights
• Separate ledgers for personal and business — switch with a tap
• An on-device AI assistant that answers questions about *your* numbers
• Home-screen widgets, Live Activities, and Spotlight search
**Defter Pro** adds direct bank connections, so balances and transactions stream in on their own:
• Plus — 3 banks
• Pro — 10 banks
• Ultra — unlimited banks
One connection covers every card at that bank. Everything else in Defter stays free — Pro only meters direct connections.
**Private by design.** Your transactions live on your iPhone, not our servers. Bank connections are read-only, powered by Teller. Location is used only when you tap "Best card here" and is immediately discarded. No ads, no tracking, no selling data — ever.
Subscriptions renew automatically until cancelled in App Store settings. Terms: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Ratings & Reviews
The developer, Mediterra AI LLC, 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 Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- Identifiers
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Mediterra AI LLC
- Size
- 33.7 MB
- Category
- Finance
- Compatibility
Requires iOS 17.0 or later.
- iPhone
Requires iOS 17.0 or later. - Mac
Requires macOS 26.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- Copyright
- © 2026 Mediterra AI LLC