Budget planner & expense tracker for iPhone
Cifro turns your spending into a clear answer: are you on pace this month, how much can you spend per day, and where is your money going. No bank login, no ads, no tracking.
Free · iPhone with iOS 26 or later · English and Spanish
Features
Cifro tells you three things: if the month is on track, how much you can spend per day, and where the money went.
Budget pace
Open Cifro and read the verdict first (“You're on pace” or “You're spending a bit fast”) with the exact daily limit to finish the month within budget.
Spending tracker
One stacked bar splits the month by category, by group, or by intention: well spent, necessary, or unnecessary. Tap any row to open those exact expenses.
Budgets
Set up to eight categories with their own budget and organize them in groups like Home, Routine or Goals. Each one shows what you spent and what's left.
Private AI
Ask “Am I on track?”, “What can I cut this month?” or “How am I doing vs. last month?”. Cifro AI answers with your real numbers using Apple Intelligence on your iPhone. The conversation never leaves the device.
Expense search
Native search with filters that stack right in the search bar: combine categories, review status, dates and amounts to find exactly what you're looking for.
Expense tracker
Write “15 lunch at the sushi place” and Cifro fills in the amount, place and category.
Log expenses with your voice, or with Siri and Shortcuts.
Scan a receipt from the camera or your photos and confirm the expenses it finds.
Spending abroad? Cifro converts other currencies to your own automatically.
Private by design
Start without an email, password or bank connection. Cifro is useful from the first expense.
No advertising and no third-party analytics. Your spending is not someone else's dataset.
Data lives on your iPhone and syncs through your own private iCloud. Face ID or Touch ID can lock the app.
Suggestions and Cifro AI run on your iPhone. Only exchange rates are fetched from the internet, never your data.
FAQ
Yes. Cifro is free to download on the App Store, with no ads and no subscription required to track expenses and budgets.
No. Cifro never asks for your bank login. You log expenses by typing, by voice or Siri, or by scanning a receipt.
Your data is stored on your iPhone and synced only through your own private iCloud account. Cifro has no ads, no third-party analytics and no account to create.
Cifro AI uses Apple Intelligence on your iPhone to answer questions about your own spending. It needs an iPhone that supports Apple Intelligence; on other iPhones you still get the month's context and insights.
Cifro runs on iPhone with iOS 26 or later and is available in English and Spanish.
Yes. Choose your main currency and log expenses in others; Cifro converts them using current exchange rates.
In a few days you'll know your daily limit, your top categories and whether the month is on track.