CoinLogger: Budget & Debts

Track a spend in one second: drag a coin from an account onto a category — done. A budget you can actually read: how much is left, and where it went.
The app works out the type itself: account to category is an expense, income source to account is income, account to account is a transfer. No type switcher, no extra fields.
WHAT IT DOES
• Your own accounts, categories and income sources
• Category detail: spending, a six-month trend, budget progress
• A full history of every entry
• Analytics: where the money goes and how that has changed
• Lock Screen widget: your balance and today's spend at a glance, and a + that opens a new expense
• Import your history from other budgeting apps via CSV
• Works offline — your data lives on the phone, not only in a cloud

SUBSCRIPTIONS
For the services that charge you on a schedule: weekly, every two weeks, monthly, quarterly, twice a year, yearly. Every cost is converted to a monthly and a yearly figure, so you see the real number instead of "it is only 9.99 a month". A free period can be skipped: the date moves on and no expense is recorded. An unpaid charge is never rolled quietly forward — it shows up as overdue.

DEBTS
Loans and credit cards: every debt has its own rate, and the app works out what it costs you per month. Two payoff strategies:
— Cheapest: the highest-rate debt goes first, so you pay the least interest
— Fastest: the one that closes soonest goes first, so the list empties visibly
Minimum payments go to every debt, and whatever is left over goes to the first debt in the queue. Each payment comes off the account you pick and lands in history as its own entry.
Debts to people — and money people owe you — live separately. Agreed to pay back in parts? The app shows how much is paid, how much is left, and what is still due this month.

FAMILY ACCESS
Your partner sees your budget in their own app — and only looks, they cannot change anything. You choose what they see:
— Totals: income, spending and upcoming payments for the month
— By category: plus how much went to each category
— Everything: every entry with its date and note
The level is enforced on the server: what a level does not include is never sent to your partner, rather than hidden in their interface.

FREE
2 accounts, 1 income source, 8 categories, 3 subscriptions, 3 debts. The evening reminder to log your spending is free too.

PREMIUM
• No limits: accounts, categories, subscriptions, debts
• Sync — your data comes back on a new phone
• Family access
• A reminder the day before every subscription charge

The subscription renews automatically. You can cancel it in your Apple ID settings no later than 24 hours before the end of the paid period.
Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/