---
title: "Money Journal - Budget Planner - Reviews, Revenue and Downloads in United States | Apple App Store"
description: "Your finances are private. Your budget app should be too.  Money Journal is a privacy-first budget planner and expense tracker that works without linking your bank account. No credentials to share, no"
---

# Money Journal - Budget Planner — United States
> Expense Tracker & Bill Manager

![Money Journal App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/7e/47/07/7e470726-d706-2618-ca55-a5dfe92b89a3/AppIcon-0-0-1x_U007emarketing-0-11-0-85-220.png/434x0w.png)

**Developer:** [DIMMPLE PTY](https://apptail.io/developer/dimmple-pty-pSkc)
**Category:** Finance
**Rating:** 4.3/5 (359 ratings)
**Price:** Free
**Bundle ID:** piixel.Budget
**Store:** Apple App Store
**Country:** United States
**Version:** 10.0.10 (released 2026-04-02)
**Original Release:** 2017-11-30
**Languages:** English

**App Store Link:** [Download on Apple App Store](https://apps.apple.com/us/app/app/id1305691801)
**AppTail Page:** [https://apptail.io/app/money-journal-budget-planner-zpn/united-states](https://apptail.io/app/money-journal-budget-planner-zpn/united-states)

## Money Journal Description
Your finances are private. Your budget app should be too.

Money Journal is a privacy-first budget planner and expense tracker that works without linking your bank account. No credentials to share, no third-party data access, no risk. Just you, your plan, and complete control over your money.

Most budgeting apps only tell you where your money went. Money Journal helps you plan where it will go.

PLAN YOUR BUDGET

Create your spending plan before the month begins. Add recurring income from salaries, freelance work, rental payments, or dividends. Set fixed expenses for predictable bills like rent, subscriptions, and insurance. Budget flexible spending for groceries, dining, and entertainment. Define savings goals and track your progress toward each one.

Organize your money into dedicated wallets — emergency fund, checking, savings, or however you manage your accounts. Your closing balance automatically carries forward as next month's opening balance, so your plan always reflects reality.

FLEXIBLE BILLING CYCLES

Real life doesn't follow a single schedule, and neither should your budget. Set each income and expense on its own cycle — daily, weekly, bi-weekly, monthly, quarterly, or yearly. Recurring transactions are generated automatically, and reminders ensure you never miss a bill or payment.

LOG TRANSACTIONS YOUR WAY

Add transactions in seconds against your planned categories. Scan receipts with your camera for AI-powered import that fills in the amount, category, and details automatically. Import transactions from bank statements and CSV files. See your forecast versus actuals in real time, and always know exactly how much you have left to spend.

REVIEW AND UNDERSTAND YOUR FINANCES

See your cash flow at a glance with clear income versus expense breakdowns. Dive into spending allocation by category, view monthly and yearly summaries, and spot patterns before they become problems.

DESIGNED FOR YOUR LIFE

- Supports 80+ currencies for tracking finances worldwide
- Create custom categories with icons to match your lifestyle
- Syncs securely across iPhone, iPad, Mac, and the web
- Available in 12+ languages

PREMIUM

Unlock powerful tools to take your financial planning further:

- AI receipt and statement import
- Spending insights and analytics
- Real-time sync across all your devices
- Unlimited wallets for detailed fund management
- Sub-categories for granular expense tracking
- Export transactions to CSV

YOUR DATA STAYS YOURS

Money Journal is built on a simple principle: your financial data belongs to you. There is no bank account linking, no selling of data to advertisers, and no third-party tracking.

Download Money Journal and take control of your financial future.


Terms of Use: 
Privacy Policy: 

## Money Journal Screenshots
- [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/2b/9b/96/2b9b9681-f834-a3c2-82b8-e287800a6cbf/screenshot_01.png/1260x2736.png)
- [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/95/5a/f3/955af3d0-5c10-f825-c678-448ecdcb7733/screenshot_02.png/1260x2736.png)
- [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/84/a8/60/84a860a6-57be-4c0f-cc11-d68191e2fce5/screenshot_03.png/1260x2736.png)
- [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/7a/34/74/7a3474ff-b170-34c1-7fcf-306f3e0911ab/screenshot_04.png/1260x2736.png)
- [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/7a/34/51/7a3451a4-8bad-f8f6-d46b-39b68bcd173e/screenshot_05.png/1260x2736.png)
- [Screenshot 6](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/d9/8e/b2/d98eb26a-0a61-6311-db69-34f9090775a0/screenshot_06.png/1260x2736.png)
- [Screenshot 7](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/f5/24/96/f524961e-1569-e42b-baf9-b64ab39e1218/screenshot_07.png/1260x2736.png)
- [Screenshot 8](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/57/83/67/57836749-afe0-6a50-0a99-49c385f52460/screenshot_08.png/1260x2736.png)
- [Screenshot 9](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/e0/99/d4/e099d4e4-1679-3b4e-6b80-ff378a1caddf/screenshot_09.png/1260x2736.png)

## Money Journal Rating Breakdown in United States
- 5 stars: 239 (67%)
- 4 stars: 59 (16%)
- 3 stars: 15 (4%)
- 2 stars: 8 (2%)
- 1 stars: 38 (11%)

## Money Journal Reviews in United States

### *---- "Fold redesign"
The new interface is terrible. The old UI when it was still fold worked so much better. This new version doesn’t allow for carryover of excess expenses or of excess budget. You can only make top ups or expenses on the front page not within each category like you could before which makes using the app clunky and slow. The only good part kept was the subcategories within the envelopes but even that is pay walled even though i spent money on the lifetime access in the past.
-- Lackiejin, 2026-04-21

### *---- "Terrible update"
Under the fold app the budget tracker was great. After rebranding to Money Journal they completely botched and ruined the app. Absolutely hate it.
Their FLEXIBLE expenses doesn’t allow you to rollover and it only allows monthly budget tracking (as opposed to including annual and weekly too).
Meaning it’s useless for me as I need both
Hate the upgrade. Will download a different one and hope I can get a refund on this.
-- Mrmivreview, 2026-04-04

### *---- "Misleading"
Shows as free but after a few days it locks you out of features and accounts you created.  Find a better app that’s not trying to mislead you with sneaky marketing tactics.
-- )275!(!!3!, 2024-10-01

### ***** "ABLE-EXPRESSION-FINANCE-STRUCTURE"
Easy to use expressive quality in Fold so desired trajectory... The necessary tools to realize categories easily built from a plain and right sercumcison and scribe of what is of worth in responsability to independance and value for self sustainability and independance.
-- gray-groupatgmx, 2023-09-22

### ****- "If it had the layout of mint/Truebill it would be on top!"
This app is soooo aesthetically pleasing. Feels like a video game almost. The downside is that it doesn’t have a dashboard you should be able to open your app and see all the essential money related items as a snapshot. With this app you have to click between them. Now if you have a pretty simple financial life this could work well but man if it was laid out like true bill or kint the other apps would be in troubllleeeee! Kudos for the Design though. It makes you want to budget. So fun
-- Rai Renee, 2022-04-15

### *---- "Expensive"
Too expensive if it was free it would be great
-- Dreamybohemi Alist 95, 2022-03-30

### **--- "Only good for no flexibility"
I thought this was great when I first downloaded! I’m trying to figure out my monthly spending habits and keep better control by seeing where it is going vs. if I’m within my overall budget or not as I’m working to live severely below my means this year. 

HOWEVER, I cannot move money from one budget to another..that’s fine I guess. But what’s worse is I have $400 typically for grocery- I have a $280 gift card and want to change my February budget to $100 moving the other $300 to a trip and not to show as “grocery”. I can of course just make a “trip” transaction but it throws off the data. When I changed my amount to $100 it then left january in the negative and with rollover turned on became completely inaccurate! 

I’m also not able to open and see all categories of transactions at once anywhere without exporting so that is lame. 

If you don’t anticipate your budgets to change ever this is good. Or if you want to start it fresh every month without rollovers that would work too. Just upset I paid $$$$ for this and it is missing basic practical functions. 🥵
-- Iamcool45, 2022-02-04

### ***** "Love this app"
I really love this app it keep me balance and organize.
-- sacksone, 2022-01-06

### *---- "Update"
Trash Everything Cost Money For What??
-- R……………….., 2021-12-29

### ***** "Great App"
One suggestion that I have is if you can add widgets for the app on your home screen so you can see all your budgets and etc without actually having to go to the app
-- weloveyouxan, 2021-11-28

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

## Money Journal In-App Purchases
| Item | Price |
|------|-------|
| Yearly Pro | $29.99 |
| Monthly Pro | $5.99 |
| 3 Months Premium | $21.99 |
| 1 Month Premium | $9.99 |

## Money Journal Store Rankings
| Chart | Country | Category | Rank |
|-------|---------|----------|------|
| Top Grossing | Portugal | Finance | #14 |

## Money Journal Discovered Keywords
- savings
- art
- budget tracker
- fold
- money budget
- free budget tracker
- fold card
- fold app

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## Money Journal Available In
- [United States](https://apptail.io/app/money-journal-budget-planner-zpn/united-states)
- [Australia](https://apptail.io/app/money-journal-budget-planner-zpn/australia)
- [Canada](https://apptail.io/app/money-journal-budget-planner-zpn/canada)
- [United Kingdom](https://apptail.io/app/money-journal-budget-planner-zpn/united-kingdom)
- [Philippines](https://apptail.io/app/money-journal-budget-planner-zpn/philippines)
- [France](https://apptail.io/app/money-journal-budget-planner-zpn/france)
- [New Zealand](https://apptail.io/app/money-journal-budget-planner-zpn/new-zealand)
- [Brazil](https://apptail.io/app/money-journal-budget-planner-zpn/brazil)
- [United Arab Emirates](https://apptail.io/app/money-journal-budget-planner-zpn/united-arab-emirates)
- [Germany](https://apptail.io/app/money-journal-budget-planner-zpn/germany)
- [Japan](https://apptail.io/app/money-journal-budget-planner-zpn/japan)
- [Ecuador](https://apptail.io/app/money-journal-budget-planner-zpn/ecuador)
- [Switzerland](https://apptail.io/app/money-journal-budget-planner-zpn/switzerland)
- [Malaysia](https://apptail.io/app/money-journal-budget-planner-zpn/malaysia)
- [Portugal](https://apptail.io/app/money-journal-budget-planner-zpn/portugal)
- [Austria](https://apptail.io/app/money-journal-budget-planner-zpn/austria)
- [India](https://apptail.io/app/money-journal-budget-planner-zpn/india)
- [Nigeria](https://apptail.io/app/money-journal-budget-planner-zpn/nigeria)
- [Vietnam](https://apptail.io/app/money-journal-budget-planner-zpn/vietnam)
- [Senegal](https://apptail.io/app/money-journal-budget-planner-zpn/senegal)
- [South Africa](https://apptail.io/app/money-journal-budget-planner-zpn/south-africa)
- [Kazakhstan](https://apptail.io/app/money-journal-budget-planner-zpn/kazakhstan)
- [Lebanon](https://apptail.io/app/money-journal-budget-planner-zpn/lebanon)
- [Sri Lanka](https://apptail.io/app/money-journal-budget-planner-zpn/sri-lanka)
- [Hong Kong SAR China](https://apptail.io/app/money-journal-budget-planner-zpn/hong-kong)
- [Macao SAR China](https://apptail.io/app/money-journal-budget-planner-zpn/macau)
- [Malta](https://apptail.io/app/money-journal-budget-planner-zpn/malta)
- [Türkiye](https://apptail.io/app/money-journal-budget-planner-zpn/turkey)
- [Angola](https://apptail.io/app/money-journal-budget-planner-zpn/angola)
- [Panama](https://apptail.io/app/money-journal-budget-planner-zpn/panama)
- [Qatar](https://apptail.io/app/money-journal-budget-planner-zpn/qatar)
- [China](https://apptail.io/app/money-journal-budget-planner-zpn/china)
- [Russia](https://apptail.io/app/money-journal-budget-planner-zpn/russia)
- [Saudi Arabia](https://apptail.io/app/money-journal-budget-planner-zpn/saudi-arabia)
- [Sweden](https://apptail.io/app/money-journal-budget-planner-zpn/sweden)
- [Singapore](https://apptail.io/app/money-journal-budget-planner-zpn/singapore)
- [Jamaica](https://apptail.io/app/money-journal-budget-planner-zpn/jamaica)
- [North Macedonia](https://apptail.io/app/money-journal-budget-planner-zpn/north-macedonia)
- [Mali](https://apptail.io/app/money-journal-budget-planner-zpn/mali)
- [Mexico](https://apptail.io/app/money-journal-budget-planner-zpn/mexico)
- [Netherlands](https://apptail.io/app/money-journal-budget-planner-zpn/netherlands)
- [Norway](https://apptail.io/app/money-journal-budget-planner-zpn/norway)
- [Nepal](https://apptail.io/app/money-journal-budget-planner-zpn/nepal)
- [Peru](https://apptail.io/app/money-journal-budget-planner-zpn/peru)
- [Pakistan](https://apptail.io/app/money-journal-budget-planner-zpn/pakistan)
- [Poland](https://apptail.io/app/money-journal-budget-planner-zpn/poland)
- [Romania](https://apptail.io/app/money-journal-budget-planner-zpn/romania)
- [Slovenia](https://apptail.io/app/money-journal-budget-planner-zpn/slovenia)
- [Slovakia](https://apptail.io/app/money-journal-budget-planner-zpn/slovakia)
- [Suriname](https://apptail.io/app/money-journal-budget-planner-zpn/suriname)
- [Armenia](https://apptail.io/app/money-journal-budget-planner-zpn/armenia)
- [Argentina](https://apptail.io/app/money-journal-budget-planner-zpn/argentina)
- [Azerbaijan](https://apptail.io/app/money-journal-budget-planner-zpn/azerbaijan)
- [Barbados](https://apptail.io/app/money-journal-budget-planner-zpn/barbados)
- [Belgium](https://apptail.io/app/money-journal-budget-planner-zpn/belgium)
- [Bulgaria](https://apptail.io/app/money-journal-budget-planner-zpn/bulgaria)
- [Bahrain](https://apptail.io/app/money-journal-budget-planner-zpn/bahrain)
- [Brunei](https://apptail.io/app/money-journal-budget-planner-zpn/brunei)
- [Belarus](https://apptail.io/app/money-journal-budget-planner-zpn/belarus)
- [Chile](https://apptail.io/app/money-journal-budget-planner-zpn/chile)
- [Colombia](https://apptail.io/app/money-journal-budget-planner-zpn/colombia)
- [Cyprus](https://apptail.io/app/money-journal-budget-planner-zpn/cyprus)
- [Czechia](https://apptail.io/app/money-journal-budget-planner-zpn/czechia)
- [Denmark](https://apptail.io/app/money-journal-budget-planner-zpn/denmark)
- [Dominican Republic](https://apptail.io/app/money-journal-budget-planner-zpn/dominican-republic)
- [Algeria](https://apptail.io/app/money-journal-budget-planner-zpn/algeria)
- [Estonia](https://apptail.io/app/money-journal-budget-planner-zpn/estonia)
- [Egypt](https://apptail.io/app/money-journal-budget-planner-zpn/egypt)
- [Spain](https://apptail.io/app/money-journal-budget-planner-zpn/spain)
- [Finland](https://apptail.io/app/money-journal-budget-planner-zpn/finland)
- [Grenada](https://apptail.io/app/money-journal-budget-planner-zpn/grenada)
- [Greece](https://apptail.io/app/money-journal-budget-planner-zpn/greece)
- [Honduras](https://apptail.io/app/money-journal-budget-planner-zpn/honduras)
- [Croatia](https://apptail.io/app/money-journal-budget-planner-zpn/croatia)
- [Hungary](https://apptail.io/app/money-journal-budget-planner-zpn/hungary)
- [Indonesia](https://apptail.io/app/money-journal-budget-planner-zpn/indonesia)
- [Ireland](https://apptail.io/app/money-journal-budget-planner-zpn/ireland)
- [Israel](https://apptail.io/app/money-journal-budget-planner-zpn/israel)
- [Iceland](https://apptail.io/app/money-journal-budget-planner-zpn/iceland)
- [Italy](https://apptail.io/app/money-journal-budget-planner-zpn/italy)
- [South Korea](https://apptail.io/app/money-journal-budget-planner-zpn/south-korea)
- [Kuwait](https://apptail.io/app/money-journal-budget-planner-zpn/kuwait)
- [Lithuania](https://apptail.io/app/money-journal-budget-planner-zpn/lithuania)
- [Luxembourg](https://apptail.io/app/money-journal-budget-planner-zpn/luxembourg)
- [Latvia](https://apptail.io/app/money-journal-budget-planner-zpn/latvia)
- [Madagascar](https://apptail.io/app/money-journal-budget-planner-zpn/madagascar)
- [Thailand](https://apptail.io/app/money-journal-budget-planner-zpn/thailand)
- [Tunisia](https://apptail.io/app/money-journal-budget-planner-zpn/tunisia)
- [Taiwan](https://apptail.io/app/money-journal-budget-planner-zpn/taiwan)
- [Ukraine](https://apptail.io/app/money-journal-budget-planner-zpn/ukraine)
- [Uzbekistan](https://apptail.io/app/money-journal-budget-planner-zpn/uzbekistan)
- [British Virgin Islands](https://apptail.io/app/money-journal-budget-planner-zpn/british-virgin-islands)
- [Venezuela](https://apptail.io/app/money-journal-budget-planner-zpn/venezuela)
- [Bermuda](https://apptail.io/app/money-journal-budget-planner-zpn/bermuda)
- [Nicaragua](https://apptail.io/app/money-journal-budget-planner-zpn/nicaragua)
- [Cayman Islands](https://apptail.io/app/money-journal-budget-planner-zpn/cayman-islands)
- [El Salvador](https://apptail.io/app/money-journal-budget-planner-zpn/el-salvador)
- [Guyana](https://apptail.io/app/money-journal-budget-planner-zpn/guyana)
- [Botswana](https://apptail.io/app/money-journal-budget-planner-zpn/botswana)
- [Cambodia](https://apptail.io/app/money-journal-budget-planner-zpn/cambodia)

---

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