Halo - Budget & Bills Tracker

Halo - Your Personal Budget and Bills Tracker

Take control of your money, all in one place. Halo gives you a clear, real-time picture of your net worth, from your bank accounts and investments to your loans and credit cards.

What you can track:

AUTOMATIC EXPENSE LOGGING WITH APPLE PAY — Tap to Pay with your iPhone and Halo writes the expense down for you: amount, merchant, and card, logged the moment you tap. A guided two-minute setup gets you started, each card links just once, and every payment after that is recorded automatically — to your credit card, debit card, or e-wallet.

ASSETS AND SAVINGS - Add all your bank accounts and customize how they look with logos and colors. Watch your net worth grow day by day with automatic snapshots, a balance trend chart, and a live change indicator that updates every time you open the app. Track your savings goals with Halo rings or view them as a to-do list.

INVESTMENTS - Connect your stock portfolio and see real-time prices from US markets and crypto. You can add stocks outside of the US and edit prices manually. Track your all-time gain/loss, today's movement, and your full position history. Share your progress with beautiful portfolio cards!

EXPENSES - Log personal expenses by category and see exactly where your money goes each month. Pay from a bank account or charge to a credit card and your balances update automatically. Put budget caps on each category and see if you still have room to spend. A calendar view shows your daily spending plus money in and out of your accounts — filter by inflow, outflow, or both.

BILLS AND SUBSCRIPTIONS - Set up recurring bills with flexible schedules and optional end dates. Get alerts when something is overdue or coming due soon, and mark bills as paid directly from any account or credit card with a single tap. Push notifications remind you a week ahead, the day before, and on the day itself if a bill is not yet paid.

TRIP & GROUP EXPENSES - Planning a trip? Create a trip to group your personal expenses and bill splits together. Set the trip's currency and expenses logged during the trip — including Apple Pay payments — are recorded in that currency and organized under the trip automatically. See the full spend, who owes what, and share a clean summary card straight to your group chat. No more awkward "Who owes me again?" moments.

CREDIT CARDS & LOANS - Track credit card balances, utilization, and billing cycles alongside your loans and mortgages. Record payments that instantly reflect across your accounts and net worth.

More to offer:

A widget that does the talking - Glance at today's net worth change right from your home screen. The Halo widget updates every 30 minutes, and bills can be marked as paid straight from the widget — no need to open the app!

Log expenses, deposits, and bill payments by voice or with the Shortcuts app — without opening Halo.

Built for Southeast Asia and the world - PHP-first with support for USD, CAD, SGD, MYR, IDR, VND, HKD, JPY, KRW, EUR, GBP, AUD, AED, SAR, THB, TWD, KWD, NZD, BHD, CNY, OMR, QAR, INR, NIO, MXN, LBP, CRC, and PLN. Switch your base currency anytime and every number recalculates instantly.

Your data, backed up - Export a full backup of your financial data anytime and restore it on any device. Halo also checks your data's health automatically and can repair issues with one tap — keeping a full safety copy first.

YOUR DATA STAYS ON YOUR DEVICE

Halo stores everything locally. No account required, no data uploaded to any server, no ads. Your finances are yours.

Halo is built for personal use. It is not a bank and does not connect to financial institutions.

Halo is designed for simplicity — just a clean tool to help you stay on top of your money.