Drachma: Offline Budget App
Expense tracker, no bank login
Free · In‑App Purchases · Designed for iPad. Not verified for macOS.
New: Drachma finds your subscriptions and installment plans, shows what they cost a year, and asks instead of guessing. Still no account, no bank login, no cloud.
Money is easier to face when the app on the other side is kind about it.
Drachma is a private budget app for people who would rather log their own spending than hand a bank login to a stranger. No account, no bank connection, no cloud, no ads. Everything you enter stays encrypted on your iPhone or iPad.
Log an expense in about three seconds
Tap the +, type the amount, done. The keypad does the math (12.40 + 3.60 just works), names finish themselves as you type, and the things you buy most sit one tap away. Logging something late? Change its date and time.
Scan a receipt, import a statement
Point the camera at a receipt and Drachma reads the shop, the total, the date and the line items, then lets you check it all before saving. Catching up on a month? Import a bank or card statement as a PDF, CSV or spreadsheet. Anything you already logged is spotted, not doubled, and when something is unclear, Drachma asks instead of guessing.
Subscriptions and installments, found for you
Drachma spots the subscriptions and installment plans already in your entries: what they cost a month and a year, which one got more expensive, how much is left on each plan, and any charge after you cancelled. When a subscription goes quiet, it asks: "Still paying?"
Budgets that flex
Give each category a monthly envelope, or budget anything: one shop, one brand, the desserts. Keep a buffer for the rest. When an envelope runs over, Drachma offers to cover it from the buffer instead of telling you off, and unspent money can roll into next month. Not sure where to start? Build a plan from your own spending.
Savings goals you can watch fill up
Set a target and a date. Drachma shows what you need each month and an honest projection of when you will get there. Add money any time, set a monthly earmark, sweep leftover buffer in at month end, or let round-ups fill it quietly.
See where it actually goes
Insights goes all the way down to the item: what eats the month, what you buy most, what you have quietly started spending more on, and how this month compares with your usual. Tidy names merges different spellings of the same shop or item, and your own tags group what you buy. A monthly wrap sums it all up in plain words.
Habits, gently
A logging streak, levels and achievements that celebrate the wins and never punish a missed day. A paused streak heals.
Free, with Plus if you want more
Logging is free and unlimited, always. Free also gives you a starter allowance of scans and imports, 5 budget envelopes, 2 goals at a time and 3 tracked subscriptions. Drachma Plus, an optional subscription, lifts those limits and adds the deeper reads: trends, a monthly health check, a look inside your biggest baskets, what is committed in the months ahead and what your commitments add up to over a year.
Private by design
• No account, no email, no bank connection, ever
• Works with no signal
• Encrypted on your device; back up to a file with your own passphrase, or export to CSV
• Anonymous crash reports and usage stats help us fix bugs. They never include your amounts, shops or categories, and you can switch them off in Settings
• Light, dark and true-black themes, any currency, 8 languages
Made for cash spenders, freelancers with uneven months, and anyone who has felt judged by a budget app before.
Nothing logged yet? It takes about three seconds.
Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://trydrachma.com/privacy
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Subscriptions and installments, found for you
• Drachma spots the subscriptions in your entries and imports, shows what each costs a month and a year, and flags a price that went up or a charge after you cancelled.
• When a subscription goes quiet, it asks “Still paying?” instead of guessing.
• Installment plans from your card statements get their own space: how much is left, and when each one ends. Link a charge by hand whenever you need to.
• When a charge could be a renewal or a one-off, Drachma asks after the import instead of guessing.
Budgets and Insights
• New Insights cards sum up your month. With Plus: what is committed in the months ahead, and what your commitments add up to over a year.
• Each budget shows six months of history from your real spending, and Insights compares this month with your usual, category by category.
• Drachma no longer suggests budgets you already have.
Logging and imports
• Change an entry’s date and time. Names finish themselves as you type, and the item type follows the name.
• Tidy names merges different spellings of the same shop or item. Group what you buy under your own tags, with new dining and services types.
• Import review points out the rows worth a look and suggests combining duplicates. A combined entry keeps every source document and both names.
• Statements read better: ABN AMRO, İş Bankası card bills, e-Arşiv invoices, and wallet payments that are no longer mistaken for shops.
• Item types learn from the changes you make in History.
• A receipt dated long ago gets a quick date check before it saves.
Goals
• Goals explain where their money comes from, and the cards on Home open straight into their details.
Smoother and fixed
• Big imports and cycle switches show their progress instead of freezing.
• Turkish numbers, percentages and currency names read correctly.
• Fixes for goal plans and sweeps, icon alignment, and the Plus badge in longer languages.
The developer, Mohammad Khakpaki, 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 Linked to You
The following data may be collected but it is not linked to your identity:
- Purchases
- Identifiers
- Usage Data
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Mohammad Khakpaki
- Size
- 126.1 MB
- Category
- Finance
- Compatibility
Requires iOS 15.5 or later.
- iPhone
Requires iOS 15.5 or later. - iPad
Requires iPadOS 15.5 or later. - iPod touch
Requires iOS 15.5 or later. - Mac
Requires macOS 12.4 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
English and 7 more
- English, French, German, Italian, Portuguese, Russian, Spanish, Turkish
- Age Rating
13+
- 13+
- In-App Purchases
Yes
- premium $29.99
- premium $4.99
- Copyright
- © 2026 Mohammad Khakpaki

