Simple Finance - Money

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

PLAN YOUR RETIREMENT — BUILT IN A private, full-featured retirement planner — no spreadsheet, no advisor login. • Will your money last for life? See your odds across 500 market simulations and a century of real history — 1929, 1966, 2000 and every year since. • Find your earliest safe retirement age, then model Social Security timing, Roth conversions, RMDs, pensions, rental income, healthcare, and one-time life events. • Plan as a couple — add a partner's accounts, salary, and Social Security, kept separate until you combine finances. • Year-by-year cash-flow and net-worth projections in today's dollars, plus a beautiful multi-page report you can share. Your plans sync privately across your own devices.

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.