SparkFi is a private budget and debt payoff app for Mac, iPhone and iPad, built for people who want clarity over clutter. Financial life tracking, budgeting, recurring-charge detection, and debt payoff planning — all in one place. No ads. No data sold. Your data is stored on your devices and synced across them through your own private iCloud account.
Sign up today and get included in our Beta program. No spam. Unsubscribe anytime.
Your financial data is stored on your devices and synced through your own private iCloud account — SparkFi never sees it. No ads, no data brokers, no data sold, no fine print. What's yours stays yours.
Year and Month at a Glance, emergency-fund runway, a debt payoff outlook, unusual activity, spending patterns and your net worth trend — calculated from your own ledger and focused on what matters to you.
See liquid, independence, real-estate and total net worth side by side, with your FI Number — 25× a year of spending — and how close you are to it.
Model avalanche vs. snowball strategies, see exactly how extra payments reduce interest and move your debt-free date, and track every card, loan and mortgage in one place.
Set goals on your savings accounts and see each one projected 1, 2, 5 or 10 years ahead from what you've actually been contributing — with the month you're on pace to reach it.
SparkFi identifies subscriptions and recurring charges and shows what's due this month, so nothing renews without you knowing.
Premium: invite up to 5 people to a tracker through iCloud — a partner, a parent, an accountant — with view-only or view-and-edit access per person, and stop sharing any time.
Add transactions in plain English, get smart rule suggestions, and scan documents — all processed right on your Mac or iPhone with Apple's on-device AI. Nothing leaves your device.
Built with SwiftUI for each device — full menus, keyboard shortcuts and a window per tracker on Mac; the complete app, not a companion, on iPhone and iPad. Log a purchase in line at the store and pick up right where you left off on your Mac.
Liquid, independence, real-estate and total net worth — with total assets, total debts, a year of spending and your FI Number. Donuts show the mix of what you own and what you owe, and a 12-month trend slides up from the bottom.
Savings rate, total saved and debt payments for the year; balances today; and this month's saving, debt payments and spending against what's normal for you — so you know where you stand before the month gets away.
How many months your emergency fund would cover, when you'll be debt-free with $100 or $250 extra a month, which charges look unusual, and how your weekday and weekend spending compare.
Sign up now to join our beta: get early access to SparkFi and use it for 6 months, with a direct line to shape what gets built.
No spam. Unsubscribe anytime. Beta spots are limited.