Full access to all features — no credit card required.
Monthly
€1,99
per month
Flexible & cancel anytime. Perfect for trying out long-term.
Yearly
€7,99
per year
Save over 66% compared to monthly. Best value for committed trackers.
Lifetime
€19,99
one-time payment
Pay once, use forever. All current and future features included.
What's next.
We're always working on making MyExpenz even better.
🏦
Bank API Support
Automatically import transactions from your bank via GoCardless. Less manual entry, more accuracy — effortless tracking.
👥
Collaborate with Friends & Family
Share budgets, split expenses, and track together. Perfect for households, trips, and shared goals.
Privacy Policy
Last updated: March 19, 2026
Information Collection and Use
MyExpenz is designed with your privacy in mind. All your financial data is stored locally on your device and in your private iCloud account. We do not collect any of the data types listed in Apple's App Privacy guidelines. The app has no server-side component.
Data Storage
Your transaction data, categories, tags, payees, locations, and budgets are stored locally on your device using SwiftData and, when iCloud backup is enabled, in your private iCloud Drive. We do not have access to your data. Your data is never sent to third-party servers.
iCloud Sync
When you enable iCloud backup, your data is securely synced to your private iCloud Drive. This data is encrypted and only accessible through your Apple ID.
Data Collection
We do not collect, transmit, or share any of your personal or financial information. The app does not include any analytics, tracking, or advertising SDKs.
The app uses iCloud to sync user-created financial data (transactions, categories) across your devices. This sync takes place entirely within your private Apple ID and iCloud account. No third-party data is stored in iCloud.
Location Services
MyExpenz offers an optional location feature that allows you to automatically attach your current location to transactions. This requires your explicit permission through the iOS location services prompt. Location data is used solely to tag transactions with a place name and is stored only on your device and, if enabled, in your private iCloud account. Your location data is never stored by or sent to MyExpenz or its developers, nor is it shared with any third party. You can enable or disable location access at any time in your device's Settings. The app functions fully without location services enabled.
Third-Party Services
MyExpenz integrates the following third-party services to provide core functionality:
Apple iCloud: The app uses iCloud to sync user-created financial data (transactions, categories) across your devices. This data is stored exclusively within your private Apple ID and iCloud account. No third-party data is stored in iCloud. iCloud usage is governed by Apple's Privacy Policy.
GoCardless Bank Account Data API: The app uses the GoCardless Bank Account Data API to retrieve read-only transaction data from your connected bank accounts. No payments, transfers, or financial actions are performed within the app through this integration. Data retrieved via GoCardless is used solely to display your bank transactions within the app and is not shared with any other party. GoCardless usage is governed by the GoCardless Privacy Policy.
No other third-party services, analytics SDKs, or advertising frameworks are used. No data is shared with external parties beyond what is described above.
Data Security
Your data is protected by iOS's built-in data protection and encryption. When synced via iCloud, your data benefits from Apple's iCloud encryption. We recommend enabling a device passcode and Face ID or Touch ID for additional protection.
Data Retention
Your data is stored for as long as you use the app. When you delete the app or choose to delete your data within the app, it is permanently removed from your device. To remove data from iCloud, you can disable iCloud sync in the app settings or delete the data from your iCloud storage via iOS Settings.
Your Rights
You have complete control over your data. You can export your data at any time through the app, delete all data from the app and iCloud, and your data remains private and under your control at all times.
Your Rights Under GDPR
If you are located in the European Economic Area, you have additional rights under the General Data Protection Regulation (GDPR), including the right of access, the right to rectification, the right to erasure, the right to data portability, and the right to lodge a complaint with a supervisory authority.
Since all data is stored locally on your device and in your private iCloud account, you can exercise all of these rights directly within the app without contacting us. The legal basis for any data processing is your explicit consent through your use of the app.
Children's Privacy
MyExpenz is not directed at children under the age of 13 (or 16 in the European Economic Area). We do not knowingly collect personal information from children. If you believe a child has provided data through the app, please contact us and we will assist with removal.
Changes to This Privacy Policy
We may update this privacy policy from time to time. Updates will be reflected in the app and on this website. We will notify you of any significant changes through the app. We encourage you to review this policy periodically.
Contact
If you have questions about this privacy policy, wish to exercise your data protection rights, or would like to share feedback or feature requests, please contact us at [email protected]
Terms of Use
Last updated: March 19, 2026
1. Acceptance of Terms
By downloading, installing, or using MyExpenz ("the App"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the App. These terms constitute a legal agreement between you and MyExpenz.
2. Description of Service
MyExpenz is a personal finance tracking application for iOS that allows you to record transactions, manage budgets, organise expenses with categories and tags, generate reports, and visualise your financial data. The App may connect to your bank accounts via the GoCardless Bank Account Data API to retrieve read-only transaction data. No payments, transfers, or financial actions are performed within the App. The App is intended for personal, non-commercial use only.
3. Permissions
The App may request access to location services on your device. This permission is entirely optional and is used solely to automatically add location information to your transactions for your convenience. Granting or denying location access does not affect any other functionality of the App. You may change this permission at any time through your device's Settings.
4. Third-Party Integrations
iCloud Sync: The App uses Apple iCloud to sync user-created financial data (transactions, categories) across your devices. This functionality is subject to Apple's iCloud Terms and Conditions. You are responsible for maintaining your Apple ID and iCloud account in good standing. No third-party data is stored in iCloud.
GoCardless Bank Account Data API: The App uses the GoCardless Bank Account Data API to retrieve read-only transaction data from connected bank accounts. No payments, transfers, or other financial actions are performed through this integration. By connecting a bank account, you agree to the applicable GoCardless terms of service. MyExpenz is not responsible for the availability or accuracy of data provided by GoCardless or your financial institution.
5. License
Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable licence to use the App on Apple devices that you own or control, as permitted by the Apple App Store Terms of Service.
6. Apple App Store Terms
You acknowledge that these Terms are between you and MyExpenz only, and not with Apple. Apple has no obligation to furnish any maintenance and support services with respect to the App. In the event of any failure of the App to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price (if any). To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the App.
7. User Responsibilities
You are responsible for maintaining the accuracy of your financial data, securing your device and Apple ID credentials, backing up your data regularly, and using the App in compliance with applicable laws.
8. Intellectual Property
All content, design, graphics, icons, and code within MyExpenz are the property of MyExpenz and are protected by applicable intellectual property laws. You may not copy, modify, distribute, sell, or lease any part of the App, nor may you reverse-engineer or attempt to extract the source code.
9. No Financial Advice
MyExpenz is a tracking and organisational tool only. It does not provide financial, investment, tax, or legal advice. The App is not a substitute for professional financial guidance. Always consult a qualified professional for financial decisions. We are not responsible for any financial decisions made based on information displayed in the App.
10. Data Accuracy
While we strive to provide accurate tools for tracking expenses, you are solely responsible for verifying the accuracy of your financial data. MyExpenz should not be used as the sole method for financial record-keeping. We recommend reconciling your data with official bank statements regularly.
11. Disclaimer of Warranties
MyExpenz is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee that the App will be error-free, uninterrupted, or free of harmful components.
12. Limitation of Liability
To the maximum extent permitted by applicable law, MyExpenz and its developers shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or financial losses, whether incurred directly or indirectly, arising from your use of or inability to use the App.
13. Age Requirement
You must be at least 13 years of age (or 16 in the European Economic Area) to use MyExpenz. By using the App, you represent that you meet this age requirement.
14. Modifications to Terms
We reserve the right to modify these Terms at any time. We will notify you of significant changes through the App or on our website. Continued use of the App after changes constitutes acceptance of the modified Terms. We encourage you to review these Terms periodically.
15. Termination
You may stop using MyExpenz at any time by deleting the App from your device. We reserve the right to terminate or suspend access to the App at any time, with or without cause and with or without notice.
16. EU Consumer Rights
If you are a consumer in the European Economic Area, you retain all mandatory consumer protection rights granted under the laws of your country of residence. Nothing in these Terms limits or excludes any rights that cannot be limited or excluded under applicable law.
17. Governing Law
These Terms shall be governed by and construed in accordance with the laws of Belgium. Any disputes arising from these Terms or your use of the App shall be subject to the exclusive jurisdiction of the courts of Belgium, without prejudice to any mandatory consumer protection rules of your country of residence.
18. Contact
For questions about these Terms of Use, feedback, or feature requests, please contact us at [email protected]