Expense Tracker - MoneyFlux

An expense and income tracker that starts where your money actually is: the statement your bank already gives you. MoneyFlux reads it on your phone and turns it into a ledger you actually own — spending, subscriptions, debts, net worth, and trading calls, side by side. No sign-up, no ads, no trackers.

If you've ever abandoned a finance app because it wanted an account, your email and a linked bank login before it showed you a single number — this one is for you.

SIX BANKS, PLUS OFX — FIRST IMPORT FREE
• OFX, QFX or QBO from any bank — the standard download many banks offer
• MoneyFlux spots the format from the file — PrivatBank and MonoBank CSV, Oschadbank, Scotiabank, Raiffeisen Bank and A-Bank PDF
• Recategorize, annotate and tag any row before you commit it
• Duplicates are skipped, so nothing lands twice

Not affiliated with any bank. Statement import is manual: you export the file yourself and pick it. MoneyFlux never connects to a bank account and never asks for a banking login.

LOGGED AS YOU PAY
• On iPhone, a Shortcuts automation saves in-store Apple Pay taps to the right account

EIGHT CURRENCIES, HONESTLY
• UAH, USD, EUR, CAD, GBP, CHF, PLN and RON side by side
• Totals are grouped per currency — never fudged into one figure by an exchange rate the app invented

NET WORTH THAT POINTS SOMEWHERE
• Capital sorts what you own by direction of cash flow, not by price
• Good capital pays you. Bad capital costs you: annual income minus annual holding cost
• The same apartment lands on opposite sides depending on whether it is rented out or lived in
• Snapshots, growth over time and portfolio health — PREMIUM

RECURRING BILLS AND DEBTS, ONE LIST — PREMIUM
• Everything you are on the hook for — subscriptions and money lent to real people — with a monthly and an annual total
• A banner three days before something charges. A banner when someone is late
• Repayment shortcuts, and a forgive flow that closes a loan without erasing its history

AUDIT THE TRADER YOU FOLLOW — PREMIUM
• Positions is a journal for crypto and trading calls — and a scorecard for whoever's calls you follow
• Three records side by side: what was claimed, what his own quoted prices imply, and what your money actually did
• It counts the calls that never closed. Most channels do not

63 PRINCIPLES ON MONEY
• Short ideas from Franklin, Rockefeller and our own; a paraphrase is never passed off as a quote

ANALYTICS AND EXPORT — PREMIUM
• Spending analytics with period-over-period comparison
• CSV, PDF and a full JSON backup you can restore from, by merge or replace

PRIVATE BY CONSTRUCTION
• You approve what leaves: a subscription receipt, plus a summary of your totals if you turn the assistant on
• Your statement is read on your phone; the file is never uploaded
• Records sync to your own private iCloud through Apple's CloudKit, where only you can read them
• Face ID lock — and you can delete every record, iCloud copy included, in a tap

MONEYFLUX PREMIUM
• Free forever: the whole ledger, analytics for one period, your asset list, iCloud sync, the app lock — and your first bank statement import
• Premium is every section marked above, starting with every statement after the first
• Subscribe once and export stays yours for good

— Payment is charged to your Apple Account at confirmation of purchase.
— Subscriptions auto-renew unless canceled at least 24 hours before the end of the current period.
— Manage or cancel anytime in Apple Account Settings.

PRIVACY & TERMS
Terms of Use (Apple's standard EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://moneyflux.app/privacy/

QUESTIONS? IDEAS?
Email: support@moneyflux.app
Or send feedback straight from the app — Settings, then Support.

MoneyFlux is a record-keeping tool. It does not provide financial or investment advice.