Budgets
Budgets thatactually close.
Categories, monthly limits and rings that fill as you spend. Annual budgets and rollover for the bills that donβt arrive every month β and when one runs over, cover it from another in a tap.
Coming soon
Whatβs new in 3.0
Budgets, bills, net worth and retirement in one app for Mac, iPhone, iPad and Apple Watch. No bank login. No account to create.
Free — and free for life if you download now.
BudgetsNet worthBills & subscriptionsCash-flow forecastRetirement, stress-testedGoalsLoans & mortgagesRental propertyStocks & cryptoOther currencies
Fin, on deviceHousehold sharingInvoices & estimatesMileage & clientsCSV · OFX · QFX · ExcelApple WatchWidgetsSearch in plain wordsPDF reportsFace ID lock
Why it exists
Most money apps ask for your bank login and keep every transaction on their servers. Simple Finance has no servers to keep them on. Your money lives on your devices β and in your own private iCloud, right beside your photos. We canβt see it. Nobody can sell it.
Every part of your money · 01 / 08
Net worth
Net worth.All of it.
Cash, cards, loans, property, stocks and crypto in one number, with the history behind it. An account in euros or pounds converts to your home currency at the dayβs rate.
Bills & forecast
Bills thattell you first.
Every cadence including biweekly, reminders before they land, and a cash-flow forecast that finds the lowest point your balance will hit. When a subscriptionβs price goes up, it says so.
Retirement
Retirement,stress-tested.
Your real accounts, income and taxes, run through 500 random market futures and every real market sequence since 1928. You get the odds, not one optimistic line.
Goals
Goals witha finish line.
Save up for something or pay a debt down. Every goal shows whatβs put away, whatβs left, and what it needs each month to land on time.
Sharing
Share as muchas you mean to.
A partner sees everything, both ways. Family sees a summary you choose. Friends see one scorecard. All of it through your own iCloud β and you can talk it over right there.
Fin
Ask your moneya question.
βHow much can I spend until payday?β βAnything unusual this month?β Fin answers from your own figures on Appleβs on-device model, so the questions never leave your device.
Business
Business money,kept separate.
Invoices, clients, estimates and mileage in their own books, never mixed into your personal totals.
Getting started
Set up in minutes.
No bank login and nothing to connect. Answer a few questions, or tell Fin in your own words — recorded on a brand-new install.
The details
The math youβd do yourself, done for you.
The small questions money actually raises — answered on the screen you’re already looking at.
Until payday Oct 1 · 9 days
Safe to spend
$1,956.39
$299.61 spent of this period’s $2,256.00 share · $3,618.00 expected on payday
Safe to spend until payday
Not the monthβs budget β this pay periodβs share of it, minus what youβve spent, minus the bills still due before the money lands.
Projected balance Lowest point $3,969.75
Sep 2Sep 16Oct 1Oct 15Oct 31
The lowest point, before it happens
Your balance 30 to 90 days out, projected from the bills and paychecks youβve already set up. If the tight day is the 19th, youβd rather know on the 2nd.
amazon over $50 last quarter
- AmazonJul 12$64.18
- AmazonAug 3$129.99
- AmazonSep 9$52.40
Search the way youβd say it
It understands the amount, the dates and the kind. A plain merchant name still works too.
112%100%Groceries
Cover $58.40 from Travel
Went over? Cover it.
Tap the ring, choose where the money comes from, and the month balances again β with an Undo if you change your mind.
- Delta AirlinesTravel · #vacation$612.40
- Tavern on the BayDining · #vacation$148.20
- HertzTransport · #vacation$287.55
#vacation3 transactions$1,048.15
#vacation, across everything
Write a tag in a note. Flights are Travel, dinners are Dining, the rental car is Transport β and the tag shows every one of them, with the total.
96% of these futures last
an illustration, not a forecast
500 futures, not one straight line
The retirement planner runs your plan through 500 random market futures, then through every real market sequence since 1928. You get the odds.
- Lisbon savingsβ¬12,480.00$13,478.40
- London flatΒ£3,200.00$4,064.00
- Tokyo tripΒ₯420,000$2,856.00
In your home currency$20,398.40
Illustrative rates
Every currency, one net worth
Give an account a currency and its balance shows in it, while net worth, budgets and Fin convert to your home currency at the dayβs rate.
CSVOFX
QFXXLSXYNAB
248 transactions ready for you to review
Bring your history with you
CSV, OFX, QFX or Excel β and exports from YNAB, Rocket Money and Copilot import without remapping. Nothing saves until you approve it.
BLUE BOTTLE COFFEE
TOTAL $18.40
- MerchantBlue Bottle Coffee
- Total$18.40
- DateSep 22
Receipts that fill themselves in
Snap the receipt. Merchant, total and date are read on your device β and the photo stays with the transaction.
Whatβs left, on your wrist
Glance at the month from Apple Watch, and add an expense at the till before you forget it.
See it in action
Real screens, really moving.
Short recordings of Simple Finance 3.0 on sample data — nothing mocked up.
Also on Mac and iPad
Where your money lives
It never asks for your bank password.
Most budgeting apps hold your bank login and route every transaction through their servers. Simple Finance has no servers of its own to route them to. Support can’t look up your account, because there is nothing on our side to look up.
- No account to createOpen it and start. There is nothing to sign up for.
- No bank login, everWe never ask for, or hold, your bank password.
- Your devices and your own iCloudSync is Apple’s, end to end. Off is fine too.
- No ads, no analytics, nothing soldThere is no tracker in the app to sell anything from.
- Works fully offlineEvery figure is worked out on the device in front of you.
0
bank passwords asked for
0
servers of ours with your data on them
500
market futures in every retirement plan
1928
the year its real-market history starts
4
Apple platforms, one app
From the App Store
In their own words.
Every written review so far is five stars. A few of them, word for word.
The best DIY finance tracking app out there
Should be the most complete finance tracking app out there (I have tried many apps including the big ones like ynab, good budget etc.)β¦ It values customer data privacy as itβs inherent in the app design which i really like too.
It has everything I was looking for. Love!
I have trialled a large variety of finance apps looking for one like this⦠FIRE forecasting, growth projections⦠Additionally the app creator responds quickly to feedback and makes regular updates.
Simply the best!
Just take a few minutes to check out what this app offers and you will switch as I did. Iβm blown away with the number of financial tools it has. I have a new home for my finances.
Simply The Best App for tracking your Money
Very Elegent and thoughtfully designed⦠Even many of the paid apps lack many features you have in the app. User interface is lovely, very smooth.
Outstanding budgeting and forecasting tool
This app is very easy to use and so informative⦠I like the extras like pet expenses too. Very well thought out app.
Great Financial App
A great app if you want to have all your financial information in one place. One can easily track your spending, income,savings, loan balances, budgeting, retirement savings and more.
Helps you see spending clearly!
Itβs simple, clean, and has pretty much exactly what I need without a lot of extra stuff getting in the way.
Your money. Your devices.
Nobody elseβs.
Free — and free for life if you download now.
Mac iPhone iPad Apple Watch