Best iPhone Expense Tracker Apps (2026)

iPhone users expect quality apps. When it comes to expense tracking, you want something that feels native, respects your privacy, and just works. Here are the best options for iOS.

What to Look For in iOS Expense Apps

• Native design: Follows iOS design guidelines
• iCloud sync: Works across iPhone, iPad
• Privacy-focused: Apple users care about privacy
• Widget support: Quick access from home screen
• Fast and reliable: Opens instantly

Top iPhone Expense Trackers

1. Pocket Clear — Best Privacy-First Option

• ✅ Native SwiftUI design
• ✅ Works offline
• ✅ No bank linking required
• ✅ Free with no ads
• ✅ iCloud sync (Pro)

2. Copilot

Premium iOS-only app with beautiful design.

Pros: Gorgeous interface, Apple-quality design
Cons: $10.99/month, requires bank linking

3. YNAB

Solid iOS app with powerful methodology.

Pros: Full feature set, good sync
Cons: $14.99/month, steep learning curve

4. Monefy

Simple, visual expense tracker.

Pros: Easy to use, one-time purchase option
Cons: Ads in free version

iPhone-Specific Features

Face ID / Touch ID

Secure your financial data with biometrics. Pocket Clear supports both.

Widgets

Add expense tracker widgets to your home screen for quick access and spending overview.

iCloud Backup

Your expense data backed up securely to iCloud (Pocket Clear Pro).

Siri Shortcuts

Some apps support "Hey Siri, log an expense" — check individual app support.

Comparison: Top 4 iPhone Apps

Why Privacy Matters on iPhone

Apple positions itself as privacy-first. Choosing an expense tracker that aligns with Apple's privacy values makes sense:

• No third-party bank aggregators
• Local-first data storage
• Optional cloud sync (under your control)
• No ad tracking or data selling