Simply Finance: Budget Tracker

Simply Finance is a private budget tracker you buy once and own. No subscription, no ads, no account, no bank login. Everything in the app is included.

WHAT YOU GET
• A daily brief on Home: what may be safe to spend, what changed since last month, what is due next, and how long your cash lasts
• Budgets by category — daily, monthly, or yearly — with spent and remaining amounts
• Recurring bills and income, with reminders
• Debt payoff dates and estimated interest
• Savings goals and the pace you need to hit them
• Cash flow, net worth, spending, category, and tag reports
• Ask AI: questions about your own finance history, answered on-device where supported or through a provider you configure with your own key. Cloud AI is off by default.
• Widgets and Shortcuts, including Auto Transaction rules for supported bank alert text
• 150+ currencies with editable exchange rates
• Light and dark mode on iPhone and iPad

PRIVATE BY DESIGN
• Your ledger lives on your device and works offline
• No account, no analytics, no behavioral tracking
• Encrypted sync across your devices is included. Relay operators cannot read your records, and you can run your own relay.
• Export your data any time

BRING YOUR HISTORY
Import from YNAB, Mint, Monarch, Copilot, Tarsi, or any CSV — including bank statements with Debit and Credit columns. Preview accounts, categories, dates, and duplicates before saving; importing the same file twice never duplicates entries. Automatic bank feeds are not included: entry is manual, imported, or from alert-text rules.

ONE PRICE, EVERYTHING INCLUDED
Buy once. Every feature and every update, with nothing to unlock later. Already have Simply Finance? This update is free and unlocks everything for you too.

Optional managed relay hosting from SimplySync Cloud is a separate service with its own terms. The built-in relay and self-hosting are always available.