SampattiTrack

Personal finance for iPhone

Private money, clearly tracked.

A privacy-first personal finance manager built on simple, reliable double-entry bookkeeping. Track accounts, cards, loans, income, expenses, investments, recurring payments, budgets and goals in one place. See your net worth, cash flow and portfolio without a spreadsheet.

Download on the App Store
Free for iPhoneNo sign-up. No login.

An illustration of the SampattiTrack home screen: net worth with a trend chart you can switch between 1M, 6M, 1Y and All, balances for bank, liabilities and spend this month, quick actions, and the latest transaction.

Stored on your device No sign-up or login No ads, no analytics Private iCloud sync

Your whole financial picture, in one ledger.

All features

01 · PORTFOLIO

Every holding, with XIRR

Investment holdings for mutual funds, stocks, gold and other assets, with allocation, SIPs and XIRR. Multi-currency support, shown in the currency you choose.

Index fund SIP$18.4K13.4% Stocks$12.9K11.8% Gold$6.2K9.1%

02 · BUDGETS AND GOALS

Know what is left to spend

Budgets, goals, recurring transactions and subscriptions in one place.

Food & Dining$489 / $600
Transport$120 / $200
Emergency fund goal$7.2K / $10K

03 · NET WORTH AND CASH FLOW

Watch the trend, month by month

See your net worth and cash flow, plus a calendar of spending and bills, without a spreadsheet.

May
Jun
Jul
Aug
Sep
Oct
InOut

04 · CARDS AND LOANS

Bills that never surprise you

Credit card and loan tracking, with bill reminders.

Credit CardDue in 7 days
$821.5824 OCT
Car loan$5.3K left
  • Welcome screen
  • Home screen with net worth and recent activity
  • Quick log screen for adding a transaction
  • Portfolio holdings and allocation
  • Net worth and cash flow trends
  • Credit cards screen
  • Budgets screen
  • Calendar of spending and bills
  • Transactions list
  • Goals screen

See it in action

A 30-second tour: Home, adding an expense, your portfolio and spending trends.

  1. 0:00Home and net worth
  2. 0:08Adding an expense
  3. 0:16Your portfolio
  4. 0:23Spending trends

Privacy

Your ledger stays with you.

Everything is stored on your device and every calculation runs there. There is no sign-up and no login. SampattiTrack never receives your accounts, transactions or balances.

Turn on iCloud and your ledger syncs between your own devices through your private iCloud database, which the developer cannot read.

The app contacts the internet only for public reference data, such as fund NAVs and stock prices, and those requests never include your personal finance data.

Read the privacy policy

What you can do

From the blog

Money, explained plainly

All articles
BOOKKEEPINGWhat Is Double-Entry Bookkeeping? A Simple GuideDebits, credits and the five account types explained with everyday examples: salary, a card purchase and a bill payment.6 min read INVESTINGWhat Is XIRR? How It Beats Simple Returns for SIPsWhy XIRR is the right return measure for SIPs and irregular investments, with a dated cash-flow example you can check.5 min read INVESTINGXIRR vs CAGR vs Absolute Return: Which to UseA side-by-side comparison of absolute return, CAGR and XIRR, with the CAGR formula and a worked example.5 min read

Questions, answered

Is SampattiTrack free?

Yes. SampattiTrack is free on the App Store for iPhone and iPad. There are no ads, no subscription and no account to create.

Do I need to connect my bank account?

No. SampattiTrack never asks for bank logins. You add transactions yourself, import CSV statements from your bank or broker, scan receipts, or turn bank messages into transactions with Shortcuts.

Where is my financial data stored?

On your device. Every calculation runs there, and SampattiTrack never receives your accounts, transactions or balances. If you turn on iCloud, your ledger syncs through your own private iCloud database, which the developer cannot read.

Does SampattiTrack work offline?

Yes. Your ledger works fully offline. The app goes online only to fetch public market data, such as fund NAVs and stock prices, and those requests never include your personal finance data.

What is double-entry bookkeeping, and do I need to know it?

Double-entry records every transaction as money moving from one account to another, so balances always reconcile. You do not need to know accounting: Simple mode asks only what, how much and where. Ledger mode shows every posting when you want the detail.

Does it work outside India, and with more than one currency?

Yes. SampattiTrack works worldwide and supports multiple currencies, with totals shown in the currency you choose.

Private money, clearly tracked

Your whole financial picture stays private, on your device and your own iCloud.

Download on the App Store