Money Journal - Budget Planner10.0.10 - App Store

Your finances are private. Your budget app should be too.

Money Journal is a privacy-first budget planner and expense tracker that works without linking your bank account. No credentials to share, no third-party data access, no risk. Just you, your plan, and complete control over your money.

Most budgeting apps only tell you where your money went. Money Journal helps you plan where it will go.

PLAN YOUR BUDGET

Create your spending plan before the month begins. Add recurring income from salaries, freelance work, rental payments, or dividends. Set fixed expenses for predictable bills like rent, subscriptions, and insurance. Budget flexible spending for groceries, dining, and entertainment. Define savings goals and track your progress toward each one.

Organize your money into dedicated wallets - emergency fund, checking, savings, or however you manage your accounts. Your closing balance automatically carries forward as next month's opening balance, so your plan always reflects reality.

FLEXIBLE BILLING CYCLES

Real life doesn't follow a single schedule, and neither should your budget. Set each income and expense on its own cycle - daily, weekly, bi-weekly, monthly, quarterly, or yearly. Recurring transactions are generated automatically, and reminders ensure you never miss a bill or payment.

LOG TRANSACTIONS YOUR WAY

Add transactions in seconds against your planned categories. Scan receipts with your camera for AI-powered import that fills in the amount, category, and details automatically. Import transactions from bank statements and CSV files. See your forecast versus actuals in real time, and always know exactly how much you have left to spend.

REVIEW AND UNDERSTAND YOUR FINANCES

See your cash flow at a glance with clear income versus expense breakdowns. Dive into spending allocation by category, view monthly and yearly summaries, and spot patterns before they become problems.

DESIGNED FOR YOUR LIFE

- Supports 80+ currencies for tracking finances worldwide
- Create custom categories with icons to match your lifestyle
- Syncs securely across iPhone, iPad, Mac, and the web
- Available in 12+ languages

PREMIUM

Unlock powerful tools to take your financial planning further:

- AI receipt and statement import
- Spending insights and analytics
- Real-time sync across all your devices
- Unlimited wallets for detailed fund management
- Sub-categories for granular expense tracking
- Export transactions to CSV

YOUR DATA STAYS YOURS

Money Journal is built on a simple principle: your financial data belongs to you. There is no bank account linking, no selling of data to advertisers, and no third-party tracking.

Download Money Journal and take control of your financial future.
Terms of Use: https://www.moneyjournal.app/terms-of-service
Privacy Policy: https://www.moneyjournal.app/privacy-policy

Version History Money Journal has been completely redesigned and rebuilt from the ground up — new look, new engine, same commitment to keeping your finances private.

HERE'S WHAT'S NEW

Redesigned from scratch
Every screen has been rethought. A cleaner layout, smoother navigation, and a modern interface that makes managing your budget feel effortless. If you've been with us since the beginning, this will feel like a brand new app — because it is.

Plan before you spend
Create your full monthly budget before the month begins. Set income, fixed expenses, flexible spending, and savings goals — then track how reality compares to your plan throughout the month.

Wallets
Organize your money into dedicated wallets — checking, savings, emergency fund, or however you manage your finances. Closing balances carry forward automatically, so your plan always reflects where you actually stand.

Flexible billing cycles
Not everything runs on a monthly clock. Set each income and expense on its own schedule — daily, weekly, bi-weekly, monthly, quarterly, or yearly. Recurring transactions generate automatically.

AI receipt scanning
Point your camera at a receipt and let Money Journal do the rest. The amount, category, and details are filled in automatically — so logging expenses takes seconds, not minutes.

CSV and statement import
Import transactions from bank statements and CSV files directly into your budget. Reconcile your planned spending against actuals without manual entry.

Smarter insights
See your cash flow at a glance. Dive into spending by category, review monthly and yearly summaries, and spot patterns before they become problems.

Still private. Still yours.
No bank account linking. No third-party data access. No ads. Everything lives on your device and syncs only when you choose. Your financial data belongs to you.

Thank you for budgeting with Money Journal. We'd love to hear what you think — leave a review or reach out to us anytime. 10.0.10 Apr 2 Money Journal has been completely redesigned and rebuilt from the ground up — new look, new engine, same commitment to keeping your finances private.

HERE'S WHAT'S NEW

Redesigned from scratch
Every screen has been rethought. A cleaner layout, smoother navigation, and a modern interface that makes managing your budget feel effortless. If you've been with us since the beginning, this will feel like a brand new app — because it is.

Plan before you spend
Create your full monthly budget before the month begins. Set income, fixed expenses, flexible spending, and savings goals — then track how reality compares to your plan throughout the month.

Wallets
Organize your money into dedicated wallets — checking, savings, emergency fund, or however you manage your finances. Closing balances carry forward automatically, so your plan always reflects where you actually stand.

Flexible billing cycles
Not everything runs on a monthly clock. Set each income and expense on its own schedule — daily, weekly, bi-weekly, monthly, quarterly, or yearly. Recurring transactions generate automatically.

AI receipt scanning
Point your camera at a receipt and let Money Journal do the rest. The amount, category, and details are filled in automatically — so logging expenses takes seconds, not minutes.

CSV and statement import
Import transactions from bank statements and CSV files directly into your budget. Reconcile your planned spending against actuals without manual entry.

Smarter insights
See your cash flow at a glance. Dive into spending by category, review monthly and yearly summaries, and spot patterns before they become problems.

Still private. Still yours.
No bank account linking. No third-party data access. No ads. Everything lives on your device and syncs only when you choose. Your financial data belongs to you.

Thank you for budgeting with Money Journal. We'd love to hear what you think — leave a review or reach out to us anytime. 10.0.8 Mar 31 Money Journal has been completely redesigned and rebuilt from the ground up — new look, new engine, same commitment to keeping your finances private.

HERE'S WHAT'S NEW

Redesigned from scratch
Every screen has been rethought. A cleaner layout, smoother navigation, and a modern interface that makes managing your budget feel effortless. If you've been with us since the beginning, this will feel like a brand new app — because it is.

Plan before you spend
Create your full monthly budget before the month begins. Set income, fixed expenses, flexible spending, and savings goals — then track how reality compares to your plan throughout the month.

Wallets
Organize your money into dedicated wallets — checking, savings, emergency fund, or however you manage your finances. Closing balances carry forward automatically, so your plan always reflects where you actually stand.

Flexible billing cycles
Not everything runs on a monthly clock. Set each income and expense on its own schedule — daily, weekly, bi-weekly, monthly, quarterly, or yearly. Recurring transactions generate automatically.

AI receipt scanning
Point your camera at a receipt and let Money Journal do the rest. The amount, category, and details are filled in automatically — so logging expenses takes seconds, not minutes.

CSV and statement import
Import transactions from bank statements and CSV files directly into your budget. Reconcile your planned spending against actuals without manual entry.

Smarter insights
See your cash flow at a glance. Dive into spending by category, review monthly and yearly summaries, and spot patterns before they become problems.

Still private. Still yours.
No bank account linking. No third-party data access. No ads. Everything lives on your device and syncs only when you choose. Your financial data belongs to you.

Thank you for budgeting with Money Journal. We'd love to hear what you think — leave a review or reach out to us anytime. 10.0.6 Mar 30 Money Journal has been completely redesigned and rebuilt from the ground up — new look, new engine, same commitment to keeping your finances private.

HERE'S WHAT'S NEW

Redesigned from scratch
Every screen has been rethought. A cleaner layout, smoother navigation, and a modern interface that makes managing your budget feel effortless. If you've been with us since the beginning, this will feel like a brand new app — because it is.

Plan before you spend
Create your full monthly budget before the month begins. Set income, fixed expenses, flexible spending, and savings goals — then track how reality compares to your plan throughout the month.

Wallets
Organize your money into dedicated wallets — checking, savings, emergency fund, or however you manage your finances. Closing balances carry forward automatically, so your plan always reflects where you actually stand.

Flexible billing cycles
Not everything runs on a monthly clock. Set each income and expense on its own schedule — daily, weekly, bi-weekly, monthly, quarterly, or yearly. Recurring transactions generate automatically.

AI receipt scanning
Point your camera at a receipt and let Money Journal do the rest. The amount, category, and details are filled in automatically — so logging expenses takes seconds, not minutes.

CSV and statement import
Import transactions from bank statements and CSV files directly into your budget. Reconcile your planned spending against actuals without manual entry.

Smarter insights
See your cash flow at a glance. Dive into spending by category, review monthly and yearly summaries, and spot patterns before they become problems.

Still private. Still yours.
No bank account linking. No third-party data access. No ads. Everything lives on your device and syncs only when you choose. Your financial data belongs to you.

Thank you for budgeting with Money Journal. We'd love to hear what you think — leave a review or reach out to us anytime. 10.0.5 Mar 27 Money Journal has been completely redesigned and rebuilt from the ground up — new look, new engine, same commitment to keeping your finances private.

HERE'S WHAT'S NEW

Redesigned from scratch
Every screen has been rethought. A cleaner layout, smoother navigation, and a modern interface that makes managing your budget feel effortless. If you've been with us since the beginning, this will feel like a brand new app — because it is.

Plan before you spend
Create your full monthly budget before the month begins. Set income, fixed expenses, flexible spending, and savings goals — then track how reality compares to your plan throughout the month.

Wallets
Organize your money into dedicated wallets — checking, savings, emergency fund, or however you manage your finances. Closing balances carry forward automatically, so your plan always reflects where you actually stand.

Flexible billing cycles
Not everything runs on a monthly clock. Set each income and expense on its own schedule — daily, weekly, bi-weekly, monthly, quarterly, or yearly. Recurring transactions generate automatically.

AI receipt scanning
Point your camera at a receipt and let Money Journal do the rest. The amount, category, and details are filled in automatically — so logging expenses takes seconds, not minutes.

CSV and statement import
Import transactions from bank statements and CSV files directly into your budget. Reconcile your planned spending against actuals without manual entry.

Smarter insights
See your cash flow at a glance. Dive into spending by category, review monthly and yearly summaries, and spot patterns before they become problems.

Still private. Still yours.
No bank account linking. No third-party data access. No ads. Everything lives on your device and syncs only when you choose. Your financial data belongs to you.

Thank you for budgeting with Money Journal. We'd love to hear what you think — leave a review or reach out to us anytime. 10.0.4 Mar 26 Money Journal has been completely redesigned and rebuilt from the ground up — new look, new engine, same commitment to keeping your finances private.

HERE'S WHAT'S NEW

Redesigned from scratch
Every screen has been rethought. A cleaner layout, smoother navigation, and a modern interface that makes managing your budget feel effortless. If you've been with us since the beginning, this will feel like a brand new app — because it is.

Plan before you spend
Create your full monthly budget before the month begins. Set income, fixed expenses, flexible spending, and savings goals — then track how reality compares to your plan throughout the month.

Wallets
Organize your money into dedicated wallets — checking, savings, emergency fund, or however you manage your finances. Closing balances carry forward automatically, so your plan always reflects where you actually stand.

Flexible billing cycles
Not everything runs on a monthly clock. Set each income and expense on its own schedule — daily, weekly, bi-weekly, monthly, quarterly, or yearly. Recurring transactions generate automatically.

AI receipt scanning
Point your camera at a receipt and let Money Journal do the rest. The amount, category, and details are filled in automatically — so logging expenses takes seconds, not minutes.

CSV and statement import
Import transactions from bank statements and CSV files directly into your budget. Reconcile your planned spending against actuals without manual entry.

Smarter insights
See your cash flow at a glance. Dive into spending by category, review monthly and yearly summaries, and spot patterns before they become problems.

Still private. Still yours.
No bank account linking. No third-party data access. No ads. Everything lives on your device and syncs only when you choose. Your financial data belongs to you.

Thank you for budgeting with Money Journal. We'd love to hear what you think — leave a review or reach out to us anytime. 10.0.3 Mar 25 • Fixed bugs 5.5 01/09/2022 Fixed bugs in logging in 5.4 10/25/2021 Welcome to Fold! The app has been completely redesigned with new features to help you organise your money.
• Fixed a few more bugs that can cause some crashes 5.3 06/22/2021 Welcome to Fold! The app has been completely redesigned with new features to help you organise your money.
• Budget Mode: You can now choose between showing amount remaining or amount spent towards your budget
• Classic Theme: Bring back the old times with a theme similar to older versions of the app
• Fixed bugs in how budget per day calculations are counted
• Fixed bugs in data migration that caused some transactions to not be displayed 5.2 06/17/2021 Welcome to Fold! The app has been completely redesigned with new features to help you organize your money.
• Spend limit per day: Your budget wallets now display the ideal amount you should be spending per day
• Fixed some bugs that can cause crashes
• Fixed some issues with calculating cash flow details 5.1 06/06/2021 Welcome to Fold. A brand new updated app has been completely redesigned with new features to help you organize your money. 5.0 06/05/2021 - fixed some bugs with deleting transactions and categories. please update to resolve delete issues 4.1 02/25/2020 ● optimisations and bug fixes 4.0 02/24/2020 ● optimisations and bug fixes 3.6 01/19/2020 ● optimisations and bug fixes 3.5 01/18/2020 ● for Premium users: new darker themed gradients
● for Premium users: new category colours
● you can now change the app language to your preferred language at any time via the app menu
● added support for chinese, japanese, korean, french, german, spanish, portuguese 3.4 01/04/2020 ● Rollover: any amount you overspend or underspend can now be rolled over to the next cycle, just enable it in your budget settings
● One time budget: use a one time budget type to plan your budget for trips, events as you spend it it will only last until the date you set
● Currency codes: show or hide currency codes next to transaction amounts, it's up to you, just enable it in your settings
● Sub-totals: sub-totals are back! Category totals are now automatically displayed for each category
● Export your transactions: for premium users, you now have the ability to export all your transactions as a csv file
● Default currency will now be based on your device language settings
● Added KWD currency
● Fix some bugs and stability issues 3.3 12/04/2019 ● Bug fixes 3.2 11/25/2019 ● Bug fixes 3.1 11/24/2019 A new major update is now available!
● Total Spending: you can now view your total combined spending for all your budgets
● Consolidated Categories: All your categories have been consolidated into a big pool of categories
● Assign Categories: Categories are no longer restricted per budget, you can use and assign any category to any budget
● Delete Categories: You can now delete a category or unassigned it from a budget for later use
● Change Currency: you can change the default currency used by the app as well as assign specific currencies for each budget
● Input Currency: you can change the currency of each transaction you enter
● Transaction History using a calendar: you can now use a calendar to pick a specific date you want to see transactions on
● Dark mode support
● ... and a shiny new design that makes it even easier to budget your money 3.0 11/18/2019 bug fixes 2.5 07/06/2019 squashed some icky bugs in preparation for upcoming updates! 2.4 06/15/2019 We're kicking off the new year some minor optimisations:
• squashed a few more bugs
• added reminders to log your transactions 2.3 01/05/2019 * bug fixes 2.2 11/06/2018