Expense Tracker - Money Note keeps the budgeting routine deliberately manual. Add income or a purchase, choose a category, and use the calendar to see when money moved. Category budgets and monthly, yearly, or cumulative reports help turn those entries into a simple spending overview without requiring an automatic bank feed.
The official listing highlights custom categories, fixed recurring income or expense entries, CSV and PDF export, printing, widgets, and optional passcode or biometric locking. It also describes iCloud backup and iPad syncing. The app is presented as usable offline without an account, which may appeal to people who prefer to keep a personal budget separate from connected financial services.
This approach depends on consistently entering transactions yourself; there is no bank connection to import activity automatically. The developer describes local storage and no subscription, but we have not independently examined its privacy or backup implementation. The US store currently lists a zero download price. Check the listing and device settings before relying on it for tax records or as your only backup.
