Simple Finance - Money

Your money, completely private. Budgets, net worth, and an on-device AI assistant — no accounts, no ads, no tracking. Share finances live with your spouse via iCloud.

Simple Finance is the private way to manage your money. No account to create, no bank logins, no ads, and no tracking — your financial data lives on your device and in your own iCloud, and is never collected by anyone.

EVERYTHING IN ONE PLACE • Budgets with rings or bars, monthly and annual, with rollover and per-month overrides • Fast transaction entry — receipt scanning, splits, recurring bills that post themselves • Net worth tracking: accounts, investments with live prices, crypto, mortgages, and goals • Multi-year reports, year-over-year comparisons, and beautiful charts everywhere

MEET FIN — YOUR PRIVATE AI MONEY ASSISTANT Fin answers questions about your money using Apple Intelligence, entirely on your device. Ask "am I on track this month?", "what bills are due soon?", or "how much will I have in 20 years at 7%?" — Fin computes exact answers from your real numbers and can chart them. Nothing you ask ever leaves your phone.

SHARE WITH YOUR HOUSEHOLD • Spouse or partner: full live two-way syncing — you both see and edit the same accounts, transactions, budgets, and goals, automatically • Family: a read-only summary you control, updated automatically • Your own devices: seamless iCloud sync between iPhone, iPad, and Apple Watch

ON YOUR WRIST Glance at this month's spending, check budget status, and quick-add an expense with a number pad right from your Apple Watch — plus a watch-face complication.

PRIVATE BY DESIGN • No sign-up, no bank linking, no analytics, no third-party SDKs • Face ID app lock, blur-on-demand, and an app-switcher privacy shield • Demo Mode: show the app to anyone with sample data — your real finances stay hidden • Full JSON backups you own, plus optional weekly iCloud Drive auto-backup

Home Screen widgets, Siri shortcuts, calculators for mortgage / retirement / loans / taxes, dark mode, custom accent colors, and a customizable dashboard round it out.

Simple Finance collects no data. See our privacy policy — it's short, because there's nothing to disclose.