Cetus : Dex V2
Private offline money tracker
Free · Designed for iPad. Not verified for macOS.
Track net worth, budgets, goals and debts entirely on your device. No account, no sign-up — your financial data is encrypted on iPhone and iPad and is never uploaded.
Cetus is a complete personal finance tracker that runs on your device. No account, no sign-up, no bank connection. Your financial data is encrypted on your iPhone and iPad and is never uploaded.
EVERYTHING IN ONE PLACE
• Accounts for checking, savings, cash, credit cards, investments and loans, with balances, credit limits and utilisation
• Income, expenses and transfers with merchant, category, tags, notes and photo receipts
• Net worth tracked over time, split into assets and liabilities
• Custom categories and subcategories with your own colours and icons
BUDGETS THAT KEEP UP
• Weekly, monthly or yearly budgets across any set of categories
• Per-category monthly limits with live progress
• Recurring bills, subscriptions and income on daily to yearly schedules, with a monthly-equivalent total
• A financial calendar of what is coming up
GOALS AND DEBTS
• Savings goals with target amounts, target dates and planned monthly contributions
• An estimate of how many months each goal will take at your current rate
• Debt tracking for credit cards, mortgages, student, auto and personal loans
• APR, minimum payment, monthly interest and an estimated payoff horizon
REPORTS AND INSIGHTS
• Income versus expenses over 3, 6 or 12 months
• Spending by category, top merchants and month-over-month comparisons
• A financial health score out of 100, built from your savings rate, net worth, emergency buffer, debt load and budget adherence
• Automatic insights that flag rising spending, a strong savings rate or budgets running over
PRIVATE BY DESIGN
• All data encrypted at rest with AES-GCM, with the key held in the iOS Keychain
• App Lock using Face ID, Touch ID or your device passcode
• Privacy Mode hides every amount at a glance
• Export your data to a portable backup file and restore it on any device
• Erase everything from the device in a single step
MADE FOR iPHONE AND iPAD
• Built with SwiftUI and Swift Charts
• Dark-first monochrome design with selectable accent colours, plus light and system themes
• Eight currencies: USD, EUR, GBP, CHF, CAD, JPY, AUD and CNY
Cetus does not connect to your bank, does not ask for personal details and contains no advertising or tracking.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
New in 1.2:
• Export your transactions to CSV for Excel, Numbers or Google Sheets (Settings → Data).
• Bill reminders: an optional notification the day before a recurring bill or subscription is due.
• Budget alerts: an optional notification when a budget reaches 80% and 100% of its limit.
• Duplicate a transaction from its details or with a swipe in the list.
• The maintenance screen now shows the server page full-screen.
The developer, Maraff Qabuna, 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
- Maraff Qabuna
- Size
- 4.7 MB
- Category
- Finance
- Compatibility
Requires iOS 17.0 or later.
- iPhone
Requires iOS 17.0 or later. - iPad
Requires iPadOS 17.0 or later. - Mac
Requires macOS 14.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
English and 3 more
- English, French, German, Spanish
- Age Rating
4+
- 4+
- Copyright
- © 2026 Cetsix