FAQ

153 fiat currencies, each with its national flag, plus 84 cryptocurrencies (Bitcoin, Ethereum, Solana, Zcash, Dash and more) and 15 dollar stablecoins — all in one searchable list. Search by currency code, by name, or by country. Any of them can be a currency you record a payment in and a currency you read your totals back in; recording in a currency other than your active one, or making a non-fiat currency your active one, is part of Finsumo Pro.

Because each transaction freezes its value at the moment it's entered, using that day's rate. Switching your display currency only changes how that frozen value is shown — it never re-prices history at today's rate, which is what most trackers do when you change their base currency.

Yes — stablecoins and Bitcoin are ordinary currencies in Finsumo, recorded in the same ledger as fiat rather than in a separate portfolio. A month that mixes baht, dollars and USDT adds up to one total in whichever of those you choose. Bitcoin also works as a lens: any period can be read at that day's historical BTC price, in whole coins or in sats. Recording a payment in one of them is a Finsumo Pro feature. Turn on Show BTC in sats to show bitcoin amounts in satoshis (1 BTC = 100,000,000 sats); it applies when the display currency is BTC.

Yes. Finsumo is offline-first: recording a transaction never depends on a network connection. If you're offline, it uses the last exchange rate it has cached for that currency and marks the entry so it can be upgraded to the true historical rate once you're back online — a one-time correction, not a running recalculation.

When Finsumo shows an amount in a currency other than the one you paid in, it converts it at that day's exchange rate. If the exact rate for that day isn't available for that currency, Finsumo uses the nearest available day's rate and marks the amount with "~". The difference is usually tiny, and you don't need to do anything — your original amounts are stored exactly as you entered them.

Yes — a Money Manager backup file imports in one step, and your transaction history comes across with each entry's own currency and date intact. The import runs entirely on your device: the file is read locally and converted into Finsumo's own data, and nothing about it is sent anywhere.

On your device, in Finsumo's own local database. There is no Finsumo server and no account, and the developer never sees it. iCloud sync is always on, and free: your data is also kept in step across your iPhone and iPad through your own private iCloud (Apple's CloudKit); exchange rates are not synced. Without an iCloud account, Finsumo keeps working on the device only.

iCloud sync is always on — there is no switch. Your transactions, categories, tags, accounts, budgets and spending limits stay in step across every iPhone and iPad signed in to the same iCloud account, through your own private iCloud — there is no Finsumo server. Exchange rates are not synced; each device keeps its own. Without an iCloud account, Finsumo keeps working on the device only. A status line in Settings shows any problem, such as full iCloud storage, and Sync now syncs on demand. Sync is not a backup: deleting data or restoring a backup applies on every synced device. To delete your data, remove transactions and categories in the app, delete the app to remove the on-device copy, and remove the iCloud copy in iOS Settings → Apple Account → iCloud → Manage Storage → Finsumo.

Finsumo writes an automatic once-a-day snapshot in the background, and you can trigger an export on demand from Settings at any time. Either way the file is a compressed archive containing JSON, saved to on-device storage or wherever you've pointed backups (including your own iCloud Drive) — never uploaded anywhere else by the app. Before every restore, Finsumo automatically saves a backup of your current data to the backup folder, so a wrong restore can be undone.

App Lock, in Settings, requires Face ID, Touch ID or your Finsumo PIN to open the app. The PIN is what you use when Face ID or Touch ID isn't available.

Finsumo uses third-party services for exchange rates and for an approximate region derived from your network connection. Those requests carry none of your data, but like any network request they reveal your device's IP address to the service that receives them. iCloud sync, which is always on, sends your data to your own private iCloud through Apple, never to a Finsumo server. No analytics, no telemetry, no crash reporting, and no account. Full detail is in the Privacy Policy.

Yes, and it's free. Finsumo ships a Home Screen widget in two sizes, plus a Control Center / Lock Screen control and a Siri phrase — "Add an expense in Finsumo". The small widget and the control open the add-expense screen in one tap; the medium widget splits into two buttons, one for expenses and one for income. None of these show any of your spending — they only open the entry screen.

Turn on Recurring transactions in Settings — it is off by default. Add Transaction then has a Repeats row: choose daily, weekly, monthly or yearly, every N, with an optional end date. Due transactions are added when you open Finsumo and when you come back to it, each at its own day's exchange rate. Settings → Recurring lists your rules, where you can edit, pause or delete them. Turning the switch off only hides the row; existing rules keep running. It's free.

A mark you set once per expense category, in the category's settings: essential, discretionary, or neither. Every new transaction in that category takes it automatically. Home then shows what share of your classified spending was discretionary, and the transaction list can filter by it. Changing a category's mark never relabels transactions you already saved. It's free.

There are two kinds of limit, both optional. A category budget is a monthly amount for one category: open Categories › the category › Monthly budget. In Settings › Budget alerts, once alerts are on, you can also set a weekly and/or monthly limit on all your spending (an amount and a currency, like a category budget). Finsumo notifies you at 80% and 100% of a budget or limit, once per period, so it needs permission to send notifications. Any fiat currency is free; a budget or limit in another currency needs Finsumo Pro. Budgets and limits are included in your backups and sync through iCloud.

It's an approximate estimate from your current pace in the period: what you've spent so far, extended across the whole week, month or year at the same rate. It's computed on your device, and calculating it sends nothing anywhere. The forecast is a Finsumo Pro feature; the average spend per day is free.

Finsumo is free forever with one active fiat currency of your choice (switching between fiat currencies is free, from Home or Settings): unlimited transactions, categories and tags, your full history, every period view with its daily average, the period-vs-previous comparison, monthly category budgets and weekly and monthly spending limits in a fiat currency, Money Manager import, recurring transactions, backup, restore and backup export, iCloud sync, and the Home Screen widget, Control Center control and Siri shortcut. Finsumo Pro adds: recording a transaction in a currency other than your active one, making Bitcoin, a stablecoin, or another cryptocurrency your active currency, the Bitcoin/sats and stablecoin display lens, a hand-typed exchange-rate override, Settings → Update historical rates, CSV export, the Bitcoin cost report, a budget or spending limit in a non-fiat currency, and the end-of-period forecast on Home. If you already subscribed, Restore Purchases is at the bottom of Settings. Also free: essential and discretionary marks, search across your whole history, and repeating a past transaction.

Finsumo itself is free: tracking in one currency never expires, and there's no paywall on first launch. Finsumo Pro — the optional subscription that adds multi-currency, the forecast and the other features listed above — comes in weekly, monthly, six-month and yearly lengths, and the paywall shows the current offer for your region. A locked Pro feature stays visible and tappable, and raises the paywall in context when you reach for it, or from Settings → Upgrade to Pro. The exact price is shown in the App Store listing and in the app's own purchase screen, since it varies by region and can change over time; see the terms page for the subscription conditions.

Cancel any time in your Apple ID subscription settings. Refunds are handled by Apple, not the developer — request one through Apple's official refund page.