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.
Flexible budgets & charts
See income vs expenses, top-category spending, remaining category headroom, unallocated income, overspending, and needs/wants/savings guidance based on your own rule.
Accounts that stay in sync
Choose the account for each manual, receipt, or Siri transaction. Asset and credit balances update automatically when you add, edit, move, or delete an entry.
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.
Gentle reviews & reminders
Opt into weekly, biweekly, or monthly local reminders and review an educational monthly summary grounded in your own ledger. Reminders are off by default.