Account Tracker Pro

I actually believe Account Tracker Pro is the best kept secret in the App Store for a Checkbook/ Personal Finance app! It has everything you would ever need to reconcile your account balances. An easy to use User Interface, Manual & Automatic transaction reconciliation, the ability to make Split Category (and subcategory) transactions for Daily and Recurring formats, Budget & Detail reports, the ability to make multiple accounts in multiple currencies, iCloud & Dropbox Back-up/Syncing for multiple devices all free for the cost of this very inexpensive app. But best of all, it offers the ability to look ahead on your recurring transactions to alert you if you're running short before the end of the month. Oh, and one more thing, it also supports Apple Watch! The developer is very fast at responding to any issue you have with the app when reporting it to him by email.

I've been using this app since 2015 and it simply works. I've tried other financial apps but none of them fit my brain the way this one does. Budgeting is so simple with this. Every account from every bank or other financial institution is all in one place. I can watch my debts (car, house) go down month by month, and when they are paid off, simply delete the whole thing while records of payments are still kept in my checking account section. And when (as I often do) I decide to change a category or detail group and delete the old, it does NOT delete previous transactions and screw up the balance. It merely puts a blank space in the old transactions. For several years I kept a backup, paper checkbook, but once I needed to wipe my phone and reinstall this from a backup I had emailed myself and realized how simple it was, I tossed out the checkbook. I sincerely hope this app never goes away, it is all I use for ALL my financial records!

This is the app I have been searching for over 1 year for! I had even gone so far as to purchase the Apple Developer license and begin to start learning to program myself because I have literally bought about 10 different checkbook apps searching for something like this. -Uses iCloud so that multiple devices can be used to enter data -Uses iCloud so that no subscription is required Those were the two main checkboxes I needed checked. I would advise anyone using it to Read The Freaking Manual (RTFM). It defaults to a reconciliation method I had not seen before (items today and in past are cleared) so that threw me off but the developer was very nice about it. Responded within minutes. You can create your own categories which is nice and I had seen this in other apps. I like how it memorized the payees and I can go in and edit the list. I like it also has a backup feature too which gives me peace of mind (especially after having 3 different apps lose all of my data after using them about 3 months). In order to use multiple devices make sure you read the pop ups which appear when turning SYNC on. They are very clear. From what I know about the iCloud sync, iOS can throttle the syncing so you will want to turn it on for your primary device and then wait a bit before turning it on for the second device. Hope this helps everyone out there!