What's left this month

€1,230.00

€292.03 spent€1,522.03 allowance
€49.20 a day25 days left

Tarnlo is an expense tracker for iPhone. Income minus payments, investments and purchases: one number, kept on your phone.

Coming soon to the App Store
Tarnlo's Overview screen. Left this month in large type above a bar that shows purchases against the allowance with a pace tick, then the amount per day and the days left, category balance tiles and recent purchases, with an Add button in the corner.

How the number is made

Only purchases count as spending. Payments and transfers are already taken out.

  1. Salary€2,800.00
  2. Rent, Spotify, Netflix, iCloud+− €977.97
  3. ETF savings plan− €300.00
  4. Allowance€1,522.03
  5. Purchases, 1 to 7 October− €292.03
  6. Left this month€1,230.00
Day 7 of 31€49.20 a day for the 25 days left
  • The pace tick on the bar is where you'd be if you spent evenly. It's optional.

Add it before you forget it

The Add button sits under your thumb.

  • Calculator keypad. Type 12 + 4.50, save the sum.
  • Suggested notes and categories from earlier purchases.
  • Backdate to any day. Undo after saving or deleting; drafts are kept.
  • Any currency, converted at that day's rate.
The Add expense sheet over the Overview: a currency picker, the amount, a category, an optional note, Today, Yesterday and Other date chips, a Save expense button, and a calculator keypad with plus and minus keys.
Adding an expense

Limits that match how you spend

One limit per category, or one shared limit across several.

  • Shared limit: Free time, €400, across Books, Gaming, Shopping and Entertainment.
  • Free time
    €63.68
    Left to spend
  • Groceries
    €25.20
    Over limit
  • Dining
    €8.30
    Left to spend
  • Transport
    €138.20
    Spent
Category balances on the last day of a month
  • The shared limit editor for Free time: a preview card with the amount left, a Name field, a Monthly limit of 400 with a slider, Books, Entertainment, Gaming and Shopping ticked, and a Save button.
    Setting a shared limit
  • The Categories screen. The Free time shared limit shows what is left of €400.00 with a segmented bar and its four categories, then Groceries and Dining with their own limits, then the categories without one.
    Categories, with one shared limit
  • The Free time sheet opened from an Overview tile: the amount left of the €400.00 shared limit, a segmented bar by category, filter chips, and purchases such as Paperback, Steam sale and Hoodie grouped by day.
    Tap a tile to see its purchases

See the month take shape

Daily bars for the month, monthly bars for the year. Drag to read any day.

  • Where it went: categories by share, shared limits grouped.
  • Insights, Month view: spent so far and the amount per day, a bar for each day of the month with a dashed average line, then a Where it went list with the Free time shared limit grouped first.
    Drag across the days
  • Insights, Year view: twelve monthly bars with a dashed average line, the amount per month, and the Where it went list.
    Year view

Income, payments and investments, kept apart

The fixed parts of the month, so the Overview can do its sum.

  • Monthly and one-time income, counted in the month it lands.
  • Recurring payments on their due day, with the service's icon.
  • Investment transfers reduce what's left, never counted as spending.
  • Other currencies at the ECB rate for the day (via frankfurter.dev). A missing rate is shown as missing, not as zero.
The Money screen with a Payments and Income switch. Payments: Rent, iCloud+, Spotify and Netflix with their due days and service icons. Investments: ETF savings plan.
Money: payments, income, investments

Check without opening Tarnlo

  • WidgetsRemaining budget, one category, quick add. Home Screen and Lock Screen.
  • Shortcuts and SiriRun it as a Shortcut, from the Action Button, or ask Siri where available.
    “How much is left in Tarnlo?”
  • Wallet tap captureOptional. A card tap drops a draft into a review inbox. Nothing counts until you save it.

Your spending is nobody's business

No account. No server. Your records stay on your iPhone.

Read the privacy policy

  • AccountsNone.
  • Analytics, adsNone. No trackers.
  • SyncOptional, through your own private iCloud.
  • App lockFace ID, covering every screen and sheet.
  • Hide amountsA switch, a shake, and a separate switch for widgets.
  • Backups, exportFiles you make and keep yourself.
The Settings screen. Preferences: Language, Currency, Budget mode with One budget or Category limits, Show daily pace, and Appearance. Privacy: Lock with Face ID, Hide amounts, Also hide in widgets, Shake to hide.
Settings

Made to fit your phone

  • LanguagesEnglish and German, including Shortcuts and widgets.
  • AppearanceLight and dark, system or your choice.
  • Text sizeWorks with large accessibility text sizes.
  • DevicesiPhone. iPad and Mac not available yet.
Tarnlo app icon: a pale passage mark on an oxide square

Tarnlo for iPhone

Coming soon to the App Store.

Coming soon to the App Store

Requires an iPhone. No account, no ads, no analytics.

About the name

A tarn is a small mountain lake, what a glacier leaves behind. The mark is a passage: a clear way through the month.