Supported Features
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VoiceOver
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Larger Text
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Dark Interface
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Differentiate Without Color Alone
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Sufficient Contrast
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Reduced Motion
Tersa: Budget & Money Planner
Cash Ahead. Spend Confidently.
Free · In‑App Purchases · Designed for iPad. Not verified for macOS.
Know what you can safely spend today. See cash shortfalls up to 90 days ahead. No bank login. No ads. No tracking. No cloud AI. Try every local feature free for 30 days.
Know what you can safely spend today, what could put an account at risk next, and when your cash is expected to recover.
Tersa is a private budget and cash flow planner built for decisions before you spend, not just charts after the fact. It turns the accounts, bills, budgets, goals, and debts you choose to track into one forward-looking plan.
No bank login. No cloud AI. No ads. No tracking.
SEE AHEAD WITH CASH AHEAD
• See your Spending Room for today, backed by your plan.
• Project cash 14, 30, 60, or 90 days ahead.
• Spot the lowest projected balance, upcoming shortfalls, next expected income, and recovery date.
• See which account may run short, when action is needed, and what caused the risk.
• Explore practical funding options without Tersa moving money or making decisions for you.
BUDGET WITH REAL CASH
• Build flexible budgets from weekly to yearly.
• Separate essentials from flexible spending.
• See what current cash can support, what depends on expected income, and where timing creates a gap.
• Protect important categories, choose rollover rules, and rebalance without rewriting transaction history.
• Compare completed periods and review every proposed change before saving.
CAPTURE MONEY WITHOUT CONNECTING YOUR BANK
• Add expenses, income, and transfers with fast entry or natural-language Quick Fill.
• Scan receipts on your device and keep them as encrypted attachments.
• Use splits, tags, notes, templates, recurring schedules, widgets, and Siri shortcuts.
• Import OFX, QFX, or mapped CSV statements.
• Review possible duplicates, rule conflicts, and learned suggestions before anything is applied.
PLAN YOUR WHOLE FINANCIAL PICTURE
• Organize recurring bills and income in a financial calendar.
• Build goals and sinking funds with target dates, contribution plans, and what-if comparisons.
• Model loans, credit lines, and mortgages with amortization schedules and extra-payment scenarios.
• Track accounts, assets, liabilities, manual valuations, net worth, and multiple currencies.
• Explore reports for cash flow, spending, budgets, debt, balances, schedules, and transactions.
• Export reports as PDF or filtered CSV.
TRUST EVERY NUMBER
Tersa keeps a balanced, traceable financial record. Corrections and reversals preserve history instead of silently changing the past. Reconcile against statements, review pending entries, and see the assumptions behind forecasts and exchange rates.
Private local AI can help interpret entries, receipts, searches, reports, and planning options. It receives only the information needed for the task, cannot browse your full workspace, and cannot commit financial changes. You stay in control.
PRIVATE BY DESIGN
• Your database, receipts, and attachments are encrypted on your iPhone.
• Protect Tersa with Face ID, Touch ID, or your device passcode.
• Create password-protected encrypted backups you can validate and restore.
• Individual subscribers can enable encrypted iCloud sync across approved personal devices.
• Household subscribers can share one encrypted workspace through approved devices and explicit invitations.
• Tersa never asks for your bank credentials and never sells or tracks your financial activity.
YOUR WORKSPACE REMAINS YOURS
Export transactions as CSV, export your workspace as JSON, create encrypted portable backups, and restore locally. If your trial or subscription ends, Tersa remains available in read-only mode for viewing, search, reports, export, backup, restore, and deletion.
ACCESSIBLE BY DESIGN
Tersa supports VoiceOver, Dynamic Type, Increased Contrast, Reduce Motion, Reduce Transparency, large interaction targets, and optional Atkinson Hyperlegible typography.
Try every local feature free for 30 days. Choose Individual for optional encrypted personal sync or Household for a shared encrypted financial plan.
EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Tersa terms: https://leolagnado.github.io/leo-lagnado-developer/legal/tersa/
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Tersa is ready for what’s next.
The latest version brings full support for iOS 27 and iPadOS 27, including an experience optimized for iPhone Duo and its new foldable display.
Whether you’re managing your money on iPhone or enjoying more space on iPad, Tersa is designed to feel right at home across your Apple devices.
We’ve also included performance improvements and refinements throughout the app to keep everything running smoothly.
The developer, Leonardo Mathiazzi Lagnado, 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.
The developer indicated that this app supports the following accessibility features. Learn More
Information
- Seller
- Leonardo Mathiazzi Lagnado
- Size
- 2.4 GB
- Category
- Finance
- Compatibility
Requires iOS 27.0 or later and a device with the A17 Pro chip or later.
- iPhone
Requires iOS 27.0 or later and a device with the A17 Pro chip or later.
• iPhone 15 Pro
• iPhone 15 Pro Max
• iPhone 16
• iPhone 16 Plus
• iPhone 16 Pro
• iPhone 16 Pro Max
• iPhone 16e
• iPhone 17 Pro
• iPhone 17 Pro Max
• iPhone 17
• iPhone Air
• iPhone 17e
• iPhone 18 Pro
• iPhone 18 Pro Max
• iPhone Duo - iPad
Requires iPadOS 27.0 or later and a device with an M-series or A17 Pro chip.
• iPad Pro (11-inch) (3rd generation)
• iPad Pro (11-inch) (3rd generation) Wi‑Fi + Cellular
• iPad Pro (12.9-inch) (5th generation)
• iPad Pro (12.9-inch) (5th generation) Wi-Fi + Cellular
• iPad Air (5th generation)
• iPad Air (5th generation) Wi‑Fi + Cellular
• iPad Pro (11‑inch) (4th generation)
• iPad Pro (11‑inch) (4th generation) Wi‑Fi + Cellular
• iPad Pro (12.9‑inch) (6th generation)
• iPad Pro (12.9‑inch) (6th generation) Wi‑Fi + Cellular
• iPad Air 11-inch (M2)
• iPad Air 11-inch (M2) Wi-Fi + Cellular
• iPad Air 13-inch (M2)
• iPad Air 13-inch (M2) Wi-Fi + Cellular
• iPad Pro 11-inch (M4)
• iPad Pro 11-inch (M4) Wi-Fi + Cellular
• iPad Pro 13-inch (M4)
• iPad Pro 13-inch (M4) Wi-Fi + Cellular
• iPad mini (A17 Pro)
• iPad mini (A17 Pro) Wi-Fi + Cellular
• iPad Air 11-inch (M3)
• iPad Air 11-inch (M3) Wi-Fi + Cellular
• iPad Air 13-inch (M3)
• iPad Air 13-inch (M3) Wi-Fi + Cellular
• iPad Pro 11-inch (M5)
• iPad Pro 11-inch (M5) Wi-Fi + Cellular
• iPad Pro 13-inch (M5)
• iPad Pro 13-inch (M5) Wi-Fi + Cellular
• iPad Air 11-inch (M4)
• iPad Air 11-inch (M4) Wi-Fi + Cellular
• iPad Air 13-inch (M4)
• iPad Air 13-inch (M4) Wi-Fi + Cellular - Mac
Requires macOS 27.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 27.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Tersa Household $69.99
- Tersa Individual $49.99
- Copyright
- © 2026 Leonardo Mathiazzi Lagnado
