Ctrl Xpenses: Budget & Cards

Track cards, debt payoff and spending without linking a bank. Your financial data stays on your device.

Know what you can spend, what is due this statement, and when you could become debt-free—without linking a bank.

Ctrl Xpenses brings budgets, spending, credit cards, debt payoff, goals, investments, and net worth into one private app that works without an account.

CREDIT CARDS WITHOUT SURPRISES

• Track cards, limits, and purchases. • Follow installment progress, such as payment 3 of 12. • See statement periods, due dates, and estimated totals. • Get reminders so you can prepare for upcoming payments.

BUILD A DEBT PAYOFF PLAN

• Compare snowball and avalanche strategies. • Simulate extra monthly payments. • Estimate payoff dates and interest. • Choose a plan you can maintain.

PLAN YOUR MONTH

• Set category budgets. • Identify recurring expenses and subscriptions. • Check what remains before you spend. • Understand where your money goes.

TURN GOALS INTO PROGRESS

• Create goals and record contributions. • Follow your financial health and next steps. • Bring assets, debts, and investments together to see your net worth. • Work across currencies when needed.

PRIVATE BY DESIGN

• Your financial entries are stored locally. • No account or bank connection is required. • Protect access with biometrics. • Export and back up your data. • No ads or advertising tracking.

START FREE

Record transactions and try essential tools at no cost. Ctrl Xpenses Pro raises limits and unlocks advanced features through a monthly plan, annual plan, or lifetime purchase. The annual plan may include a free trial when shown on the purchase screen.

Simulations are informational estimates and are not financial advice. Some features require connectivity, device support, or a Pro purchase.

TERMS OF USE (EULA) https://www.apple.com/legal/internet-services/itunes/dev/stdeula/