Expense tracker for iPhone and iPad
Stop typing every purchase. Drop in the statement your bank already gives you and MoneyFlux turns it into a ledger you own: spending, subscriptions, debts, net worth and trading calls, side by side.
Free · No sign-up · iOS 26.1 or later
What it fixes
Pick the one that sounds like you. Each links to a guide that explains the problem and the fix.
Import the statement your bank already gives you. Skip the typing.
Spending by category, merchant and day, compared with last month.
Every card, cash and wallet on one screen, balance per currency.
Eight currencies side by side. No invented exchange rate.
One list with a monthly total and a banner three days before a charge.
Money you lent and borrowed, with due dates and repayments.
A ledger on your phone, with CSV export whenever you want the sheet.
Good capital pays you, bad capital costs you. See the split.
A scorecard that counts the calls that never closed.
A Shortcuts automation logs every Apple Pay tap for you.
Bank statement import
Download a statement from your banking app, open it in MoneyFlux, review every row and import. The file is read on your phone.
Download a statement file from your bank. MoneyFlux never asks for a banking login.
MoneyFlux detects the bank from the file. Recategorize, tag or skip any row.
Duplicates are skipped, so importing an overlapping month never adds a row twice.
Not affiliated with any bank. Import is manual: you choose the file.
Inside the app
Real screens from MoneyFlux on iPhone. Swipe to see more.
Private by construction
There is nothing to sign up for. Your records sync to your own private iCloud, where only you can read them.
Your bank statement is parsed on your device. The file itself is not uploaded anywhere.
Sync runs through Apple's CloudKit private database. The developer cannot read it.
A subscription receipt, plus a summary of your totals if you turn the optional AI assistant on.
Face ID lock, CSV, PDF and JSON export, and one tap to delete everything, iCloud copy included.
Pricing
The whole ledger is free. Premium adds unlimited imports and the deeper sections.
$0
$4.99/month or $29.99/year
7-day free trial on the annual plan
US App Store prices. Your local price is shown in the App Store before you subscribe. Subscriptions renew automatically and can be cancelled anytime in Apple Account settings.
FAQ
MoneyFlux is an expense and income tracker for iPhone and iPad that starts from the statement your bank already gives you. Import the file, review every row, and see spending, subscriptions, personal loans, net worth and trading calls side by side. There is no sign-up, no ads and no trackers.
PrivatBank and Monobank CSV statements; Oschadbank, Raiffeisen Bank, A-Bank and Scotiabank PDF statements; OFX, QFX and QBO files from any bank that offers them; and the CSV export of the Saldo app. MoneyFlux detects the format from the file itself, so you never pick it from a list.
No. MoneyFlux never connects to a bank and never asks for a banking login, card number or password. You download a statement file from your bank yourself and pick it in the app. MoneyFlux is not affiliated with any bank.
On your device and in your own private iCloud, through Apple's CloudKit private database, where only you can read it. The developer cannot access it. Your statement file is read on your phone and the file itself is not uploaded anywhere.
No, on purpose. MoneyFlux keeps UAH, USD, EUR, CAD, GBP, CHF, PLN and RON side by side and shows totals per currency. It never adds them up with an exchange rate it made up, so every figure is money you actually have.
From the blog
Practical, honest guides to statements, subscriptions, debts and net worth.
Bank statements
Your bank already wrote down every card purchase. Here is how to get that file out of online banking and into an expense tracker, so you only type what the bank never saw.
Subscriptions & debts
Most forgotten subscriptions aren't hidden. They're spread across your Apple Account, two cards and a yearly renewal you agreed to fourteen months ago. Here's how to pull them into one list and stop being surprised.
Accounts & currencies
Hryvnias at home, dollars from a client, Canadian dollars for rent. Most apps squeeze it all into one number with a rate they picked. Here is a calmer way to track expenses in multiple currencies.
Download MoneyFlux, drop in your bank statement and get the answer in minutes.
