iOS · iPhone & iPad (universal app with Home Screen widget)

Overview

Expenses is a native iPhone and iPad app for people who need clear group math and a monthly personal view at the same time. It is built around a home hub with cards—not a single giant ledger—so you open the mode that matches real life: My Expenses (monthly rollup and charts), Expense Splitter (trips and parties), Roommates (household), Couple (two-person shared), Personal Travel (private trip ledger), and EMI / Subscriptions (loans and recurring plans with reminders). Settings (gear) sits at the top-right from the hub.

On first launch, full-screen onboarding walks through the value proposition and ends on personalization: display name, base currency, an optional Contacts pick for the name, an optional iCloud (private sync) toggle, and a choice to start fresh or load demo data.

Data posture: Core data stays on your device. Receipt images are kept in shared storage (the same area the widget can read), linked from your expenses—not stuffed inside every line item. If you turn on sync, eligible data can sync through Apple’s private iCloud database for your Apple ID; personal travel stays private-first for sharing. For non–base-currency hints, the app may call a public exchange-rate service (see Frankfurter)—mention that on your App Store privacy answers if you list third-party processing.

Premium: Expense Tracker and Splitter Pro (in-app purchases through Apple) unlocks the full AI Spending Insights / Spending Coach experience. Free users still see AI insight teaser cards on My Expenses; the dedicated coach and Q&A flow is paywalled behind Pro. Settings includes Go Premium, Restore purchases, and subscription management when you are not entitled.

Navigation (as in the app)

• Home hub — Welcome plus grid: My Expenses, Expense Splitter (trips/parties), Roommates, Couple, Personal Travel, EMI / Subscriptions. Settings (gear) top-right.
• My Expenses — Month navigator; donut chart(s) with paging between daily/misc slices and broader “all expenses” composition; metrics for cash paid, fixed costs, and income/savings when enabled; entry to AI Spending Insights (Pro unlocks the full coach); navigation to Income & budget for the selected month; add personal expense flows including voice and categories.
• Space list — Filtered by space kind: Trip/Party, Roommates, Couple, Personal travel.
• Space editor / trip detail — Participants (including optional picks from Contacts), expenses, categories, paid-with / card nicknames, receipts, iCloud sharing for shared spaces, structured and spreadsheet-friendly export, calculator / result / settle-up presentation, calculation history.
• EMI / Subscriptions — Loans vs subscription-style presets, next due, reminders via local notifications, optional receipts.
• Settings — Profile (display name, Photos picker and avatar crop), base currency, rollup and income toggles as enabled in your build, appearance (theme), iCloud diagnostics (sync mode and health summaries), haptics and sounds, voice auto-save, date/time/week preferences, optional local diagnostics for support, version, privacy copy, and the Premium block when not entitled.

Core features

My Expenses (monthly rollup)

• Unified month view combining personal daily spends, included shared spaces (trips, roommates, couple, personal travel, misc—based on what you include in Settings), EMI/subscription rollups, and budget/income rows when you use them.
• Donut charts plus a second donut page for broader “all expenses” composition.
• AI insight cards on the hub for quick takeaways; full Spending Coach with Ask My Expenses Q&A for Pro (on-device intelligence where your device supports it).
• Income & budget deep link for the selected month.

Expense Splitter (shared spaces)

• Space kinds: Trip/Party, Roommates, Couple, Personal travel.
• Per space: participants, expenses (payer, amount, category, note, date), category profiles, receipt capture or photo-library attach, smart receipt suggestions where available.
• Calculate balances and settle-up style results; history of snapshots.
• Invite links from the app open Expenses directly on the recipient’s device.
• Export and import in structured and spreadsheet-friendly formats.

EMI & subscriptions

• Track loans and subscription-style bills, next due dates, and reminders through local notifications; receipts optional.

Receipts

• Receipts are saved in shared on-device storage and linked from personal expenses, trip expenses, and EMI where implemented.

Widget

• The Home Screen widget reads a rollup snapshot the app publishes to shared storage: month title, cash paid, totals with EMI breakdown, and income/savings/remaining when you use those features.

Siri, Shortcuts, and voice

• Registered phrases include quick voice expense entry, natural-language style expense logging, category-parameterized logging, trip expenses, and logging EMI—see the live app’s Shortcuts library for exact titles.

Links and invites

Invites and similar flows use links that open the app directly on a device that has Expenses installed.

Permissions (keep in sync with the App Store)

The app may ask for access where features need it, including where applicable: Camera, Photo Library (add and read), Contacts (when picking someone), Microphone, Speech Recognition, and Siri. Always align marketing copy with the permission text on your live App Store listing.

Free vs Premium

Free (as you ship): core splitting, My Expenses rollups, EMI, receipts, widget snapshot data when used, exports, and Shortcuts integrations.

Pro — Expense Tracker and Splitter Pro: unlocks the full AI Spending Insights / Spending Coach experience (full-screen coach and Q&A). Restore and subscription management are available from Settings.

In-app purchases

Purchases are processed by Apple. Pro is offered as monthly, yearly, and lifetime options—exact names and prices appear in the app and on the App Store for your region.

Support & trust

Use Send feedback from the app when available, email support@kavniktech.com, or our contact page. Keep your App Store privacy labels aligned with iCloud sync, shared on-device storage, optional exchange-rate lookups, and on-device intelligence features—this site’s app privacy policy and terms describe that picture (they are not a substitute for Apple’s own legal pages where those apply).

Also available: Time & Date Calc - Aviation (iOS) (https://www.kavniktech.com/apps/time-date-calc-aviation-ios/index.html).

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