Six languages
MoneyTurtle now speaks Español, Português (Brasil), Deutsch, 日本語 and Ελληνικά as well as English. Pick one in Settings and every screen, insight and widget switches at once; amounts keep your region's format.
See Settings →
New in 2.17 MoneyTurtle in six languages →
Know where your money goes.
Know where your money goes.
MoneyTurtle keeps it to itself.
A calm, private expense tracker and budget app for iPhone and Android. Log what you spend, keep an eye on subscriptions, see plain-language insights and follow your net worth over the years — with no accounts, no ads and no tracking of any kind.
Free · No ads · No in-app purchases · iOS 26.5+ · Android 8.0+
Try a theme:
0accounts or sign-ups
0ads, trackers or analytics
2native apps, one design
6currencies, 9 themes
What's new
Recently added to MoneyTurtle
Every feature ships on iPhone and Android at the same time, with the same rules and the same wording.
Safe to spend
What you can spend each day for the rest of the month and still finish within your income — this month's income, minus what you've spent and your subscriptions, divided by the days left. Since 2.16 it sits under Today in the list, so the month's summary stays light. Adding an expense shows where it leaves your day.
See it on Expenses →Subscriptions by month
Step through the months and see what each one really cost: a subscription counts from the month you add it, cancelling keeps the months you paid, and price changes keep their history.
See Subscriptions →Hot categories
A heads-up when one of your top categories runs ahead of your usual pace for this day of the month — measured against your own last six months, so it stays quiet until something is unusual.
See it on Expenses →Insights, without AI
Up to six plain sentences about your month — savings rate, spending against your average, a net-worth streak — worked out on your phone with plain arithmetic.
See Analytics →Turtle Journey
Your nest egg measured in years of spending, from Starting to Financial Independence, with thirteen milestones that reward building wealth.
Find your stage →Projection calculator
See what investing a fixed amount every month could grow to in Bitcoin, the S&P 500, gold or MSCI World, with live public prices.
Try the calculator →Subscriptions
Netflix, the gym, a domain renewal: see what they cost a month and a year and what's due next — and, if you like, log them to Expenses automatically.
See Subscriptions →Salary flow
Split each month's income across your accounts as bars, a ring or a flow diagram, and see what's left to assign at a glance.
See Wealth →
Take the tour
Five tabs. Everything about your money.
Pick a tab — or tap the tab bar on the phone — to see what each screen does.
A timeline of what you spend, with a month that adds itself up
Add an expense in a couple of taps. MoneyTurtle groups them by day under a budget hero for the month, and a calendar shades each day by how much you spent.
- Budget hero — spent, left, daily average and a projected month total.
- Safe to spend — under Today in the list: what you can spend each day and still finish the month within your income, with today's spending on a bar that turns amber when you're close and rose when you're over. Tap it to see how it's worked out.
- Hot categories — a "Running hot" strip and a flame on rows when a top category runs ahead of its usual pace (+38%, or 2.4× once doubled).
- A heads-up while you add — pick a hot category and see where this expense takes the month. It never blocks saving.
- Where an expense leaves your day — "Close to today's limit: €14 left today after this". Never blocks saving either.
- Calendar heat, search across every month, and your own categories and subcategories — rename one and past expenses follow.
The money that leaves every month, whether you log it or not
Keep every subscription in one list, ordered by the next charge, with the monthly and yearly cost always in view.
- Monthly or yearly billing, with an optional payment date.
- By month — step back through the months: each one counts the subscriptions you had then, at the price you paid. Cancel one and past months keep it.
- Due soon — anything charged within seven days is flagged.
- Colour monograms instead of logos, the same colour on both platforms.
- Log subscriptions as expenses (opt-in) — each one is written into Expenses on its payment day, never twice, never back-filled.
Analytics that answer things — in plain sentences
Open Analytics and the first card tells you, in words, what changed this month. No AI and no network: the same data always gives the same sentences.
- Insights — savings rate, spending against your 6-month average, the biggest category change, net-worth streaks and investments against last year.
- Breakdown with a tick at each category's usual pace, a Hot badge, and drill-down into every subcategory.
- Biggest expenses, category movers, year-over-year, a scrollable monthly chart and day-of-week spending.
- Net worth for the month and the spending trend, side by side.
Follow your net worth — and plan where the next month goes
Track assets and debts month by month, then use the Plan card to split your income and see where steady investing could take you.
- Net-worth dashboard with a chart of how it has moved, month by month.
- Turtle Journey — your stage, years of spending saved and milestones, right in the hero.
- Salary flow — split income across your accounts as bars, a ring or a flow diagram.
- Projection — a dollar-cost-averaging calculator with live public prices for four markets.
- Carry wealth forward (opt-in) — each month starts from last month's final figures, so you only change what moved.
Settings
Theme
Hot categories
Warn about hot categories
Hot when above usual by
20%
Watch top
3
Data
Currency
EUR €
Language
English
iCloud syncYour private iCloud
App lockFace ID
Export to JSON
›
Make it yours — and keep it locked
Nine accent themes retint the whole app. Tap one on the phone to retint this page too.
- Nine themes — Indigo, Violet, Blue, Teal, Emerald, Amber, Orange, Rose and Pink, in light and dark.
- App lock with Face ID or your passcode on iPhone, biometrics or device credential on Android.
- Six currencies — EUR, USD, GBP, JPY, CNY and AED.
- Sync or backup on your terms — your own iCloud on iPhone, your own Google Drive on Android — and export to open JSON any time.
- Home-screen widgets for "Spent this month" and "Net worth".
Try it here
Two of the app's tools, right in your browser
The same maths the app uses. Nothing you type here leaves this page.
Projection: invest every month
Dollar-cost averaging — a fixed amount invested at the end of each month, compounding at your expected yearly return.
After 20 years
€143,652
Put in €48,000
Growth €95,652
An illustration with a steady return, not a forecast or financial advice. Markets go down as well as up. In the app, a "10y avg" preset uses ten years of real monthly prices.
Turtle Journey: where are you?
Your nest egg — savings, stocks and crypto, not your home — measured in years of spending it covers.
🐢
Building1.3 years of spending saved
🐣 Start
🐢 1 yr
🐢🐢 5 yrs
🐢🐢🐢 12
🏆 25
€600,000FI number (25× a year)
€90,000more to Growing
Financial Independence at 25 years follows the 4% rule. The app works this out from the balances and spending you've logged, and adds thirteen milestones.
Get the app
Two native apps, one design
Written natively for each platform — SwiftUI on iPhone, Jetpack Compose on Android — and every screen exists on both. The JSON export uses the same format on each.
iPhone
- Requires iOS 26.5 or later
- Optional sync through your own private iCloud
- Face ID or passcode app lock
- WidgetKit home-screen widgets
- Readable layout on wide screens and the iPhone Duo
Android
- Requires Android 8.0 or later
- Optional daily backup to your own Google Drive
- Biometric or device-credential app lock
- Glance home-screen widgets
- Material 3 design that matches the iPhone app
Privacy, in one sentence
MoneyTurtle collects nothing. There are no servers of ours, no accounts, no analytics and no ads — your expenses, subscriptions, categories and net-worth entries live on your device, and only if you turn it on, in your own private iCloud (iPhone) or Google Drive (Android). The one other request the app makes is the Projection screen's download of public market prices, which carries nothing about you.
Read the full privacy policy
FAQ
Questions people ask
Is MoneyTurtle free?
Yes. MoneyTurtle is free on the App Store and Google Play, with no ads and no in-app purchases.
Do I need an account?
No. There is no sign-up and there are no MoneyTurtle servers. Your data lives on your phone, and only if you turn it on, in your own private iCloud (iPhone) or your own Google Drive (Android).
Does it connect to my bank?
No. You add expenses yourself in a couple of taps. MoneyTurtle never asks for bank logins and never sees your bank.
Does it use AI?
No. Insights such as your savings rate or a net-worth streak are worked out on your phone with plain arithmetic, so the same data always gives the same sentences and nothing leaves your device.
How do sync and backup work?
On iPhone, MoneyTurtle can sync between your devices through your own private iCloud. On Android, it can keep a daily backup in the hidden app-data folder of your own Google Drive — it can't see any other file — and restore it on a new phone. Both are optional.
Which currencies are supported?
Euro (EUR), US dollar (USD), British pound (GBP), Japanese yen (JPY), Chinese yuan (CNY) and UAE dirham (AED).
Which languages are available?
English, Español, Português (Brasil), Deutsch, 日本語 and Ελληνικά. MoneyTurtle opens in English; pick another language in Settings → General and every screen, insight and widget switches at once. Amounts keep your region's number format.
What is a hot category?
A category that is one of the month's top spending categories and is running ahead of what you usually spend on it by this day of the month — 20% by default. MoneyTurtle compares against your own last six months, so it stays quiet until something is unusual. You can change the threshold and how many top categories to watch, or turn it off.
What is safe to spend?
A daily amount under Today on the Expenses tab — this month's income, minus what you've spent and this month's subscriptions, divided by the days left in the month. Today's spending fills a bar against it. Whatever you don't spend today moves to tomorrow, and going over lowers tomorrow's amount. You can turn it off in Settings.
What is the Turtle Journey?
A path on the Wealth tab that measures your nest egg (savings, stocks and crypto) in years of spending it covers: Starting, Building at 1 year, Growing at 5, Compounding at 12 and Financial Independence at 25 years — the 4% rule. Thirteen milestones reward building wealth along the way. Find your stage.
Can I export my data?
Yes. Everything exports to open JSON at any time, in the same format on iPhone and Android.
Slow and steady builds wealth.
Start tracking today — free, private, and on both platforms.