Drachma: Offline Budget App
Private budget, no bank login
Free · In‑App Purchases · Designed for iPad. Not verified for macOS.
New: budget anything, not just a category. Point at a dessert, a brand, one shop — and give it its own line. 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 budget app for people who would rather log their own spending than hand a bank login to a stranger. Everything you enter stays encrypted on your device. No account, no sign-up, no cloud, no ads.
Log an expense in about three seconds
Tap the plus, tap the amount, done. The keypad does inline math, so 12.40 + 3.60 works the way you expect. Your most-tapped expenses sit one tap away on the home screen, and a saved note tells you what you just logged.
Snap a receipt instead of typing
Point the camera at a receipt and Drachma reads the merchant, the total and the date, then shows them to you for a quick check. Import a bank statement or CSV file to catch up on a whole month at once. Split a big shop into line items when you want to know what actually cost what.
Budgets that flex
Give each category a monthly envelope and keep a buffer for the rest. When one envelope runs over, Drachma offers to cover it from your buffer instead of telling you off. Unspent money can roll into next month.
Savings goals you can watch fill up
Set a target and a date. Drachma shows what you need each month, an honest projection of when you will land, and a nudge to sweep leftover buffer in at the end of the month. Round-ups and monthly earmarks do the rest quietly.
See where it actually goes
Insights breaks spending down to the item level: which subcategories eat the month, what you buy most often, and what you have quietly started spending more on than you used to.
Habits, gently
A logging streak, levels and achievements that celebrate the wins and never punish a missed day. A paused streak heals. Nothing here shames you.
On iPad
The same app with more room: a navigation rail, budgets and insights side by side, and expense entry as a dialog you can dismiss with a tap.
Yours, offline, private
- No account and no email needed
- No bank connection, ever
- Works with no signal
- Your data stays encrypted on your device
- Export to CSV any time to take it elsewhere
- Light, dark and true-black themes, your currency, your language
Drachma is built for cash spenders, freelancers with uneven months, couples splitting the bills, anyone rebuilding after a finance app shut down or a bank sync that never quite worked, and anyone who has felt judged by a budget app before.
Nothing logged yet? It takes about three seconds."
Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Budget anything, not just a whole category
• Point at what you actually buy — a dessert, a brand, one shop — and give it its own budget.
• Insights splits a category into baskets by tag, and item rows open onto what you really bought.
• Receipts read better: delivery slips, and totals that hide in odd places.
• Home makes room for limits and shows the ones nearing their line.
• Rebuilt monthly wrap, a proper tablet layout, and ambient nudges that stay silent.
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
- 117.6 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

