Know what you can spend right now with a simple visual spending pace
iPhone expense tracker without bank login
Stage
Startup
Not given
Founded
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Based in
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AM
Pricing model
Freemium
Freemium
Pricing
Free: up to 3 trains, default train theme, transaction history, 30D/90D/1Y reports, core widget, Apple Shortcuts. Pro: $9.99/year or $29.99 lifetime for unlimited trains, train sharing, additional visual themes, custom train-level thresholds, full widget configuration, CSV export. Localized pricing
Free with optional in-app purchases. Pro available as monthly subscription (renews automatically unless canceled), yearly subscription, or Lifetime one-time purchase. Prices vary by App Store region and local currency. See App Store for current pricing.
Key features
Live spending balance that updates continuously as time passes and purchases are made
Multiple spending trains for different expense categories
Visual train metaphor showing ahead or behind status
Home Screen widget for quick balance checking
Transaction history and spending reports
Shared trains for household spending management
iCloud sync for seamless data synchronization
CSV export for data analysis
Custom visual themes
Automatic Apple Wallet transaction tracking via iOS Shortcuts automation
Receipt scanning with OCR for merchant, amount, tax and line items
Manual expense entry with categories and search
Multi-currency support across over 15 currencies
Weekly and monthly spending analytics
Budget tracking and savings goals
Subscription renewal tracker with upcoming renewal alerts
Manual loan tracking with payment reminders
Data export in CSV, PDF and XLSX formats (Pro)
Premium AI financial insights and pattern analysis (Pro)
What makes it different
Answers the immediate question of what you can spend right now instead of providing only a monthly total
Progress carries forward across months instead of resetting at month-end
Simple interface with one live number instead of complex spreadsheets or multiple categories
Free version available with core features to test the method before upgrading
No bank login required or Plaid integration needed
Captures eligible Apple Pay transactions automatically without reading complete wallet history
My Money Train
Monetor