Version 1.0
Beta now forming
Early Access
- Budget Overview — this month, last month and year to date for income, savings, fixed and discretionary spending and debt payments, beside a balance sheet of what you own and owe
- Insights — Year and Month at a Glance, emergency-fund runway, debt payoff outlook, upcoming yearly bills, unusual activity, spending patterns and your net worth trend, focused on the goals you choose
- Net worth four ways — liquid, independence, real estate and total — with your FI Number (25× a year of spending)
- Savings goals projected 1, 2, 5 or 10 years ahead from your actual contributions, with the month you're on pace to reach each one
- Debt payoff planner with Snowball, Avalanche and Snow Slide strategies, and what extra payments save in interest
- Recurring charge and subscription detection, with price-increase alerts
- Smart transaction categorization with custom rules — plus rule suggestions based on your own spending patterns
- Ledger with CSV and OFX import, search and filters
- Share a tracker with up to 5 people through iCloud, view-only or view & edit per person (Premium)
- AI Spending Insights and Financial Coach chat, powered by Claude (Premium)
- On-device AI — add transactions in plain English, rule suggestions, document scan
- iCloud sync across your Mac, iPhone and iPad
- Face ID / Touch ID lock for each tracker
- Native SwiftUI app for Mac — full menus and a window per tracker — plus iPhone and iPad
- Privacy-first by design — export your data anytime, opt out of analytics anytime