Free
$0
Track transactions and accounts, see cash flow and net worth, set monthly budgets by category, use salary-split guidance, rank your wishlist, and save toward up to 2 goals.
Forever free. No card required.
iOS 26 · iPhone & iPad · On-device AI
Personal finance that lives on your iPhone.
Track money in and out, plan goals, and ask an AI advisor that runs entirely on your device. No bank linking, no account, no analytics, no ads. Every number comes from deterministic, tested engines — the AI only explains.
Free to use. Pro is $2.99/month with a 7-day free trial. Educational, not financial advice.
Everything your money needs, on your phone.
Built for iPhone and iPad. No bank linking, no account, no tracking — your financial data stays with you.
On-device AI advisor
Ask free-text money questions and get plain-language, educational guidance from Apple's on-device Foundation Models. Every figure comes from deterministic, tested engines — the AI only explains, it never invents numbers.
Private by design
No bank linking, no account, no analytics, no ads. Your transactions, budgets, and goals live in an on-device database and never leave your device.
Budgets & salary split
Any-month cash flow, spend vs budget by category, and needs/wants/savings salary-split guidance with your own rule.
Savings goals
Plan an emergency fund, house, car, or debt payoff with milestones, monthly momentum, and projected completion dates that update as your habits change.
Wishlist purchase planner
Rank the things you want by priority and real cash flow — and know when you can actually afford each one.
Family savings plans
Invite family via iCloud and save toward shared goals together. Plans live in your own iCloud, never on third-party servers.
Credit tools
Compare loan offers by payment, APR, and total cost; build payoff plans (avalanche or snowball); and run rent vs buy with a breakeven year.
Receipt scanning
Point the camera at a receipt and get a drafted transaction via on-device text recognition. The camera never uploads anything.
Free to start. Pro for the advisor.
Pro unlocks the AI advisor, credit tools, receipt scanning, unlimited goals, wishlist explanations, and family plans. $2.99/month with a 7-day free trial.
Pro
7-day free trial$2.99 / month
Everything in Free, plus the on-device AI advisor, credit tools (loan compare, payoff plans, rent vs buy), receipt scanning, unlimited savings goals, wishlist advisor explanations, and family savings plans.
Cancel anytime in iOS Settings → Apple ID → Subscriptions.
| Capability | Free | Pro |
|---|---|---|
| Transaction tracking with search & categories | ✓ | ✓ |
| Accounts & net worth | ✓ | ✓ |
| Monthly budgets & cash flow | ✓ | ✓ |
| Salary split guidance (needs / wants / savings) | ✓ | ✓ |
| Savings goals (up to 2) | ✓ | — |
| Unlimited savings goals | — | ✓ |
| Wishlist with ranked affordability verdicts | ✓ | ✓ |
| Wishlist advisor explanations | — | ✓ |
| On-device AI advisor chat | — | ✓ |
| Credit tools (loan compare, payoff plans, rent vs buy) | — | ✓ |
| Receipt scanning (on-device OCR) | — | ✓ |
| Family savings plans (iCloud sharing) | — | ✓ |
| 31 languages, live switching | ✓ | ✓ |
Frequently asked questions
Is my financial data private?
Yes — 100% on-device. FinTraicker operates no servers, requires no account, and ships no analytics, trackers, or ads. Your transactions, budgets, and goals live in a local database protected by iOS Data Protection and are never uploaded.
Do I need to link my bank?
No — and you can't. That's deliberate: FinTraicker never asks for bank credentials and never connects to your accounts. You log what you choose, by hand, with Siri, or by scanning a receipt.
How does the AI advisor work?
It runs on your device using Apple's Foundation Models. Every number it states comes from deterministic, tested calculation engines — the AI only categorizes, explains, and motivates. Guidance is educational, not regulated financial advice, and the app never executes trades or moves money.
What are family plans?
An optional way to save toward shared goals together. Invite family via iCloud sharing and contribute to the same plan. It's the one cloud feature in the app — plans live in your own iCloud, never on third-party servers, and the rest of your data stays on-device.
Can I cancel anytime?
Yes. FinTraicker Pro is a standard App Store subscription with a 7-day free trial for new subscribers. Cancel anytime in iOS Settings → Apple ID → Subscriptions; cancelling during the trial avoids any charge.
How many languages does it support?
31, with live in-app switching — English, Spanish, German, French, and 27 more, matching the rest of the TrAIcker family.