Wise Money - Budget Tracker
Offline budget & debt tracker
Free · Designed for iPad. Not verified for macOS.
Every account can now hold its own currency, and debts can be paid off a bit at a time. Your ledger stays on your phone, no account, no cloud, no ads.
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.
Ratings & Reviews
- add currency per account
- new user guid tour
- make source input optional
- easy input when add new income
The developer, Al Abjadiya, 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
- AL ABJADIYA INFORMATION TECHNOLOGY LIMITED LIABILITY COMPANY
- Size
- 47.1 MB
- Category
- Finance
- Compatibility
Requires iOS 16.4 or later.
- iPhone
Requires iOS 16.4 or later. - iPad
Requires iPadOS 16.4 or later. - Mac
Requires macOS 12.0 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
- © Alphabet Software House