See the whole thing.

Each row scrolls sideways — drag or swipe, and tap any screen to see it full size.

01

Home

Open the app and the month is already summed up for you.

• Cash-flow header — money in, money out, ahead of last month or not
• A live “left to spend” figure after bills and one-off expenses
• Spending rings per category, with an AI insight when something drifts
• A Sunday weekly review, 6-month trends and year-over-year comparisons
• A dashboard you can reorder and hide sections on

02

Budgets

Set what each category gets — monthly and annual — and watch the rings fill.

• Monthly limits with rings, plus annual budgets for irregular bills
• A category list with rollover for the ones that don't reset
• Subscriptions detected and totalled for you
• An “overspend cover” that moves money between categories in a tap

03

Transactions

Every row — categorized, split, searchable, and on a calendar.

• Add income, expenses and transfers; split one expense across categories
• A cash-flow calendar showing every day's money at a glance
• Scan a receipt by photo, or import a statement
• Recurring bills on any cadence, a per-merchant view, and full-text search

04

Net worth & investing

Everything you own and owe, in one number with the history behind it.

• Cash, cards, loans, property, stocks and crypto in one net-worth figure
• Holdings with cost basis, live prices and per-position returns
• Asset allocation against a target, and a net-worth projection
• A cash-flow forecast of your liquid balance, and reconcile in one pass

05

Retirement planning

The hallmark: a plan stress-tested against history — see the full retirement page.

• A month-by-month projection of every account to the age you choose
• Monte Carlo across hundreds of futures, plus every real market since 1928
• “What-if” plans — retire at 55? — compared side by side
• A retirement cash-flow view, Social Security timing, and a PDF report

06

Goals & health score

Targets to aim at, and a single honest read on how you're doing.

• Savings goals and debt-payoff goals with milestones and target dates
• A 0–100 financial health score across five pillars, each with a next step
• A tax estimator built on the current year's brackets

07

Calculators

Sixteen planning calculators — the money math you'd otherwise do in a spreadsheet.

• Mortgage, refinance, home affordability and rent-vs-buy
• Auto, student-loan, credit-card, debt-payoff and biweekly-payoff
• FIRE, retirement, Roth vs. traditional, savings goal and emergency fund
• A take-home-pay breakdown and a tax estimator, prefilled from your own numbers

08

Insight & reports

Where the money went, and the paperwork at the end.

• Spending insights, trends and multi-year comparisons
• A Report Studio that assembles an investor-grade PDF
• Net-worth statements, income & spending, and a year-in-review
• CSV export and per-account statements

09

Business

A full set of books — kept entirely separate from your personal money.

• Invoices and estimates you build and send, with a client list
• Job profit, work logs, crew hours and a job schedule
• Expenses, receivables, mileage and receipts for Schedule C
• A business dashboard, and books that never touch your personal totals

10

Sharing

A partner, family or friends — each seeing only what you chose.

• A partner shares everything, both ways, with who-added-what on every row
• Family sees a read-only summary you control
• Friends see one scorecard and nothing else
• All of it through your own iCloud — nothing passes through us

11

Fin, on your device

Ask about your own money — and watch it answer.

• Answers from your live data: “will I make it to payday?”, “am I balanced?”
• Builds native charts on request — “chart my spending by category”
• Finds and totals your subscriptions, and flags the ones that went up
• Runs on Apple's on-device model, so the question never leaves your device

12

Make it yours

Accent colors, widgets, alerts and bringing your history in.

• An accent color that recolors the whole app, and configurable widgets
• Smart alerts — large purchases, bill changes, low-balance warnings
• Import transactions from CSV, OFX, QFX or Excel, and read a balance from a photo of a statement
• A feature-request box that goes straight to a real person

13

On your wrist

The Apple Watch app is a real companion, not a notification relay.

• This month's cash flow, what's left to spend and net worth at a glance
• Log an expense from your wrist in two taps
• Recent spending, day by day, and complications on your face