Simply Finance

Simply Finance brings spending, budgets, bills, goals, and cash flow into one calm, straightforward daily view.

SEE YOUR MONEY CLEARLY. STAY IN CONTROL.

Start on Home with a compact daily brief. See what may be safe to spend after essentials, what changed since last month, what comes next, and how long available cash may last.

GET CLEAR ANSWERS GROUNDED IN YOUR OWN MONEY.

Ask AI questions about your finance history, continue with follow-ups, and reopen saved conversations. Use supported on-device intelligence where available, or configure a supported cloud provider with your own API key. Cloud AI is off by default. When you ask a cloud model, selected context goes directly to the provider you choose, not through Simply Finance servers.

SEE EVERY BUDGET BEFORE YOU OVERSPEND.

Review spent and remaining amounts across daily, monthly, and yearly category budgets. Track recurring bills and income, savings goals, debt payoff dates and estimated interest, Financial Runway, Future Sight, and detailed reports.

MADE FOR IPHONE AND IPAD

Create reusable Auto Transaction rules from supported bank alert text. Extract details such as the amount, merchant, and account suffix, then use Shortcuts on iPhone or iPad to pass supported messages into the app. Automatic bank feeds are not available.

PRIVATE, PORTABLE, AND USEFUL OFFLINE

Local use works offline and needs no account. There are no ads, analytics, or behavioral tracking. Optional sync keeps finance records end-to-end encrypted, and relay operators cannot decrypt the database. Export your data whenever you choose.

MOVE YOUR HISTORY WITHOUT STARTING OVER

Import supported exports from Copilot, YNAB, Monarch, Mint, Simply Finance, or a compatible CSV. Preview accounts, categories, dates, and duplicates before saving; repeated imports skip ledger entries already imported.

Download the app free and use core tracking, Home answers, Ask AI, Auto Transactions, budgets, recurring schedules, goals, and imports. One non-consumable Full Version in-app purchase unlocks encrypted device sync and detailed reports and is tied to your App Store account.

Full Version and relay hosting are separate. Simply Finance includes a built-in relay, and self-hosting remains available. If you choose managed relay hosting from SimplySync Cloud, it is a separately billed service; check its website for current availability and terms.