Coming soon to iOS
Your on-device budgeting companion.
Budgets, net worth, and AI-powered insights. Automatically. All on your iPhone. Never on our servers.
Join the TestFlight beta (opens in new tab)Beta software - things may be rough around the edges. See our Terms for details.
Features
However your data gets in
Link your UK banks through Lunch Flow or import a PDF statement instead — parsed entirely on your device.
Budgets that track themselves
Spending is categorised automatically, measured against your budget, and recurring bills are spotted before they surprise you.
Spending Trends, on-device BETA
Apple Intelligence reviews your spending right on your phone — insights generated without ever leaving your device.
Every decision built with privacy in mind
No account, no server-side database, no ad trackers — your financial data lives only on your device.
Frequently asked questions
Is my financial data safe?
Yes. There's no server-side database - your transactions, budgets, and net worth live only on your device and your own iCloud account. Bank connections are read-only, and PDF statements are parsed entirely on-device too.
How do I connect my bank account?
Link a UK bank through Lunch Flow, our open banking connection partner - you'll sign in with (or create) your own Lunch Flow account, which bills you directly for the connection, separately from MoneyTracker UK. Prefer not to? Import a PDF bank statement instead, parsed entirely on-device - either way, we never see your bank credentials.
Do I need to create an account?
Not for MoneyTracker UK itself - there's no sign-up or login for the app. Linking a bank does require its own Lunch Flow account (see above), but manual tracking and PDF import work with nothing to sign up for at all.
Is there an age requirement?
You need to be 16 or over to use MoneyTracker UK at all. Linking a bank and using the on-device AI Spending Trends feature go further and require you to be 18+, confirmed through Apple's age range API - so we only ever learn which side of 18 you're on, never your exact birthdate.
How can I try it before the App Store launch?
Join the TestFlight beta above for access right now - that's the fastest way in before the app reaches the App Store.