Minimal: Personal Finance

New: Spending Lock. Choose the apps you shop in and Minimal shows you where your budget stands before you buy — and stays quiet when you're on track.

Money managed, beautifully.

Minimal is a personal finance app for people who want to understand their money without wrestling with bloated finance software. Track spending, plan budgets, and watch your net worth — with no ads, no clutter, and nothing sold to advertisers.

WHERE YOUR MONEY IS GOING Set a monthly budget by category and see your pace at a glance. A spending chart shows whether you're tracking ahead or behind with days still to go, and a category ring breaks the month down by where it actually went. Spending that no budget covers is called out on its own, so a month can't look healthy just because the categories you remembered to budget are fine.

LOCK YOUR SPENDING Spending Lock is the part no budget app has managed before: it reaches you at the moment you're deciding. Choose the apps you shop in, and Minimal steps in before you buy — how much is left on that budget line, what that works out to in purchases, and how long it has to last.

Nothing interrupts you while your spending is on track. You decide how firm it is: a gentle heads-up, a deliberate tap to continue, or no way past until you change the budget yourself. And your choice of apps stays private — iOS never tells Minimal which ones you picked.

EVERY TRANSACTION, SORTED Import statements from your bank as CSV, OFX or QFX and Minimal categorizes them for you. Teach it once and it remembers — rules can even key off the amount, so a $4 coffee and a $40 dinner at the same place land in different categories. Transfers between your own accounts are detected and linked into one entry instead of double-counting.

REPORTS THAT ANSWER A QUESTION Three views, each with its own job. Spending shows what you spent and on what. Cashflow shows money in, money out, and what's left. Compare puts any two periods side by side — totals, the categories that moved, and how your net changed.

YOUR WHOLE WALLET Chequing, savings, credit cards and cash in one place, with your net worth on top. Set savings goals with a target date and see whether your current pace will actually get you there.

FREE TO START • Unlimited transactions, categories and accounts • Bank statement import • Budgets, savings goals and reports • Encrypted cloud sync across your devices

MINIMAL PRO • Automatic bank syncing, in the background • Spending Lock • Advanced report breakdowns • Data export

Pro starts with a 14-day free trial. You'll see exactly when the trial ends and when you'd be charged before you commit — no surprises.

PRIVACY No ads. No tracking. No analytics SDKs. Your financial data is yours, and it is never sold.

SUBSCRIPTION DETAILS • Minimal Pro Monthly — $4.99 per month, auto-renewing • Minimal Pro Annual — $44.99 per year, auto-renewing (works out to $3.75 per month) • Minimal Lifetime — $99.99 one-time purchase, not a subscription

Payment is charged to your Apple Account at confirmation of purchase. Subscriptions renew automatically unless auto-renew is turned off at least 24 hours before the end of the current period. Your account is charged for renewal within 24 hours prior to the end of the current period. You can manage or cancel your subscription in your Apple Account settings after purchase.

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