MoneyTrail - Budget Tracker

iPhone / Finance

MoneyTrail: Budget Tracker is your complete personal finance app — built to work entirely offline with no account, no login, and no internet required. Your data stays on your device, always private and secure.

Track Your Full Financial Picture
Log income, expenses, and one-time transactions with category breakdowns and member tracking. Support for variable income lets you track actual earnings against expected ranges month by month. View spending by category with visual charts and filter by time period — month, quarter, year, or all-time.

Crush Debt Faster
Add all your debts and compare Snowball vs. Avalanche payoff strategies side by side. See exactly how much interest you'll save and when you'll be debt-free. Follow your progress on the gamified Debt Journey board with milestones for every payoff.

Mortgage Tools
Track your mortgage balance, payment breakdown (principal, interest, taxes), and see the impact of extra payments. Find out how much time and interest you can save by paying a little extra each month with the built-in amortization calculator.

FIRE Calculator
Plan your path to Financial Independence. See your FIRE number, estimated FIRE age, years to goal, and portfolio progress — all based on your real financial data. Use Reality Check mode to explore different scenarios.

Gamified 7-Step Roadmap
Follow a proven path to wealth with nearly 100 dynamic micro-milestones generated from your actual finances. Earn XP, level up, and watch your progress as you build an emergency fund, pay off debt, invest, and build lasting wealth.

Track Accounts & Investments
Monitor bank accounts, emergency fund progress, and investment accounts (401k, IRA, brokerage, and more) — all in one place. See your total net worth and monthly contributions at a glance.

Household Support
Add multiple household members, assign income and expenses to specific people, and manage your finances as a family.

Export & Backup
Generate detailed PDF reports or export your data as JSON for safekeeping. Import backups anytime to restore your financial plan.

Key Features:
• 100% offline — no internet or account needed
• Income, expense & transaction tracking
• Snowball & Avalanche debt payoff strategies
• Gamified Debt Journey milestone board
• Mortgage calculator with extra payment impact
• FIRE calculator with projections
• Investment & bank account tracking
• Emergency fund monitoring
• Gamified 7-step wealth roadmap with XP
• Variable income tracking
• Multi-member household support
• PDF reports & JSON backup/restore
• Light & dark mode
• Built for privacy — your data never leaves your device