---
title: "ERN Finance - Reviews, Revenue and Downloads in Philippines | Apple App Store"
description: "ERN Finance is a privacy-first expense tracker, budget planner, and money manager for cash, banks, and e-wallets. Track spending, plan bills and savings goals, manage receivables and sinking funds, an"
---

# ERN Finance — Philippines
> Budget & Spending Planner

![ERN Finance App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/36/c0/3f/36c03fca-e773-6309-b84e-6d933359fc36/AppIcon-0-0-1x_U007epad-0-1-0-85-220.png/434x0w.png)

**Developer:** [Unknown](https://apptail.io/developer/unknown-lMunuc)
**Category:** Finance
**Rating:** 5.0/5 (9 ratings)
**Price:** Free
**Bundle ID:** com.erniedemaluan.finance
**Store:** Apple App Store
**Country:** Philippines
**Version:** 1.7.0 (released 2026-10-01)
**Original Release:** 2026-07-16
**Languages:** English

**App Store Link:** [Download on Apple App Store](https://apps.apple.com/ph/app/app/id6789468096)
**AppTail Page:** [https://apptail.io/app/ern-finance-gUQA/philippines](https://apptail.io/app/ern-finance-gUQA/philippines)

## ERN Finance Description
ERN Finance is a privacy-first expense tracker, budget planner, and money manager for cash, banks, and e-wallets. Track spending, plan bills and savings goals, manage receivables and sinking funds, and see what’s safe to spend—without creating an ERN account.

KNOW WHAT’S SAFE TO SPEND
See a clear Safe to Spend estimate after considering your reserve, open dues, planned expenses, and expected income.

MANAGE YOUR MONEY
• Track cash, bank, e-wallet, and other accounts
• Log expenses, income, and transfers
• Organize transactions using categories
• Monitor balances and recent activity
• Plan goals, budgets, installments, bills, and expected income
• View credit card dues and billing details with ERN Pro

MONEY SERVICES MANAGER — PRO
Track cash-in, cash-out, wallet, bank, and other customer money services without counting customer principal as income.
• Record the principal movement, service fee, and optional provider cost together
• See service volume, fees earned, provider costs, net profit, and operating float
• Keep every linked Activity and Report entry in sync when editing or deleting

SINKING FUND MANAGER — PRO
Manage shared or pooled funds in one organized place.
• Reserve money already held in an account and see your personal portion
• Add and update fund members
• Set up new or existing funds and preview contribution coverage
• Track collections, historical totals, and contribution status
• Record fund releases to members or other recipients
• Record loans, repayments, and interest
• Monitor available cash and total fund value
• View fund projections and member allocations
• Generate shareable receipt images

FREE VERSION
Create one Cash account and one additional Bank, E-Wallet, or Other account, for a maximum of two accounts.

ERN PRO — ONE-TIME PURCHASE
Unlock ERN Pro with one purchase for lifetime access to:
• Additional and unlimited accounts
• Credit card management
• Money Services Manager
• Sinking Fund Manager
• Future Pro improvements included with this version of ERN Finance

TRAVEL AND CURRENCY ACCOUNTS
Plan trips, set budgets, record cash exchanges, and track spending in the trip's currency. Keep separate cash, bank, and e-wallet accounts in currencies such as USD, EUR, and VND. Record income, conversions, the actual amount received, and fees. Rates are entered manually; PHP reports use saved estimates and historical costs, with no live exchange-rate feed.

APPLE WATCH COMPANION
View your last-synced overview and record a quick expense with confirmation from your iPhone. The companion requires ERN on iPhone; offline balances may be out of date.

LOCAL BACKUPS
Keep automatic local backups and export or import full JSON backups to move records between devices. Import replaces the selected profile. This version does not include iCloud Sync.

PRIVACY FIRST
ERN Finance does not require an ERN account. Financial records stay on your device unless you export, back up, or share them.

Terms of Use: 

ERN Finance is a personal planning and record-keeping tool. It does not provide financial, investment, tax, or legal advice.

## ERN Finance Screenshots
- [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/2b/a1/dc/2ba1dcea-b6d2-248d-1768-054a7a69b8d0/1.png/1284x2778.png)
- [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/92/7a/44/927a44a5-4758-371b-0fe7-91d0eb58e7d8/2.png/1284x2778.png)
- [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/1d/22/d0/1d22d0a5-a688-1efc-ad4b-d75cb6ca74cf/3.png/1284x2778.png)
- [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/f0/be/09/f0be0924-4191-5264-ccbf-54f11f64681c/4.png/1284x2778.png)
- [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/b5/c9/80/b5c98027-ce79-aa72-bda2-c44bd37db06c/5.png/1284x2778.png)

## ERN Finance Rating Breakdown in Philippines
- 5 stars: 9 (100%)
- 4 stars: 0 (0%)
- 3 stars: 0 (0%)
- 2 stars: 0 (0%)
- 1 stars: 0 (0%)

## ERN Finance Reviews in Philippines

### ***** "REALLLYYY HELPFUL!"
Must have, helped me tracked my finaces. All the money that goes in and out of my life
-- alejandro tgli, 2026-08-10

### ***** "Finally found the budgeting app I have been looking for so long!"
I’ve tried a lot of budgeting apps, and ERN Finance is the first one that has exactly what I’ve been looking for: a Safe Spend feature. It gives me a clear picture of how much I can actually spend without worrying about going over my budget, which has made managing my money so much easier.

I also love that I can easily track all my expenses and plan upcoming ones in the same app. Seeing both my actual spending and planned expenses helps me stay organized and avoid surprises. Overall, ERN Finance has become my favorite budgeting app, and I highly recommend it to anyone who wants better control over their finances.
-- Angelica Quev, 2026-07-17

[View all ERN Finance reviews and detailed analytics on AppTail](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=reviews)

## ERN Finance In-App Purchases
| Item | Price |
|------|-------|
| ERN Pro Lifetime | 99.00 ₱ |
| Upgrade to ERN Pro | 50.00 ₱ |
| ERN Plus | 49.00 ₱ |



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---

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