Privacy & Data

Yes, and it is worth being specific about what that means rather than just asserting it.

Your finances live in a database on your device. If you turn on iCloud Sync, a copy also lives in YOUR private iCloud — the same place your photos and messages go, reachable only by your Apple ID. We have no server holding any of it, so there is nothing on our side to breach, subpoena or sell.

The app makes exactly one kind of outbound request: market prices for the tickers you hold or watch. That request carries a symbol like AAPL and nothing else — no balances, no holdings, no identity.

There is no analytics SDK, no advertising SDK and no crash reporter phoning home.

Never, and the architecture is what makes that true rather than a promise.

There is no advertising SDK in the app, no analytics broker, and no server of ours that holds your finances — there is nowhere for it to be sold FROM. Your data is on your device and, if you turn sync on, in your own private iCloud, which we cannot read.

What we do see: nothing, unless you send it. If you use Report a Problem and leave “Attach device info” on, we get the app version, the iOS version, and counts — how many accounts, how many transactions. The exact text is shown to you in full before it sends; “includes some technical info” is how an app that respects privacy still ends up feeling like one that doesn't.

The business model is the app itself, not you.

In a database file inside the app's own storage on your device, and nowhere else until you choose otherwise.

Turn on iCloud Sync and a mirror also lives in YOUR private iCloud — the same place your photo library and device backups live, under your Apple Account, encrypted in transit and at rest. We have no access to it and no copy of it.

Turn on iCloud Drive backups and a backup file is written to a folder you can open in the Files app. That one you can see, move and delete yourself.

Any report or CSV you export goes wherever you send it, and at that point it is an ordinary file with ordinary file rules.

It swaps the whole app over to realistic sample data — a full set of accounts, a year of transactions, budgets and a plan — so you can explore every screen, or show someone what the app does, without your own finances on display.

Your real data is not copied, edited or moved while Demo Mode is on. It simply isn't loaded, and it comes straight back when you exit.

It is genuinely useful for more than demos: it is the safe place to try a feature you haven't used before.

Right now, yes — free, and no ads. Everything you see is included: budgeting, net worth, the retirement planner, sharing, all of it.

If you are using it today, it stays free for you. That is not a trial and it does not quietly expire — early users are grandfathered in.

At some point new users will pay a subscription instead. That applies to people who have not downloaded it yet, not to you.