Simple Finance: Budget Planner

About this app

Your whole financial life in one calm place — budgets, net worth, investments and a full retirement plan. No account to create. No bank logins. No tracking, no analytics, nothing sold. BUDGETS THAT FIT YOUR ACTUAL MONTH • Rings or bars, monthly or annual, with rollover and per-month overrides • Fast entry — scan a receipt, split a transaction, and let recurring bills post themselves • Cover an overspend from another category in one tap, and keep the history of it • A spend curve that knows rent lands on the 1st, so "over pace" means something • Import from a spreadsheet, CSV or OFX/QFX — or just copy the rows and paste SHARE WITH YOUR PARTNER, FAMILY AND FRIENDS • Partner: full two-way sync — you both see and edit the same accounts, transactions, budgets and goals • Moving in together? Combine your finances in one pass — choose which accounts are shared, and decide which budget to keep where you both tracked the same category. • Family: a read-only summary you control per person — net worth, income, accounts, investments, goals, bills, a six-month trend, or only the categories you pick • Friends: compare just the numbers you choose — savings rate, budget used, no-spend days, or who has the lowest utility bill • Keep anything private: a category, an account, a goal, a single transaction • It all runs through your own iCloud. Nothing is ever on our servers. NET WORTH, TRACKED PROPERLY • Accounts, investments, crypto, vehicles, real estate and mortgages in one number • History you can scrub, asset allocation, and year-over-year comparisons • Snapshots, so you can see where you were and not only where you are STOCKS AND CRYPTO • Live prices and charts you can scrub, from one day to all time, with key statistics and dividends • Today's move on every row, split at the previous close — plus pre-market and after-hours • Tax lots, cost basis, dividends, and a watchlist for what you don't own yet • See your portfolio against the S&P 500, the Dow and the NASDAQ PLAN YOUR RETIREMENT — BUILT IN A private, full-featured retirement planner. No spreadsheet, no advisor login. • Will your money last for life? See your odds across 500 market simulations and a century of real history — 1929, 1966, 2000 and every year since. • Find your earliest safe retirement age, then model Social Security timing, Roth conversions, RMDs, pensions, rental income, healthcare and one-time life events. • Plan as a couple, kept separate until you combine finances. • Year-by-year projections in today's dollars, plus a multi-page report you can share. MEET FIN — YOUR PRIVATE AI MONEY ASSISTANT Fin answers questions about your money using Apple Intelligence, entirely on your device. Ask "am I on track this month?", "what bills are due soon?", or "how much will I have in 20 years at 7%?" — Fin computes exact answers from your real numbers and can chart them. Nothing you ask ever leaves your phone. ON EVERY DEVICE YOU OWN iPhone, iPad, Apple Watch and a real native Mac app — not a phone app in a window. Your own iCloud keeps them in step, with Home Screen and Lock Screen widgets and a watch complication. STUCK? ASK. A help centre with hundreds of answers, and a way to reach a real person without leaving the app. Replies come back inside the app. PRIVATE BY DESIGN • No sign-up, no bank linking, no analytics, no third-party SDKs • Face ID app lock, blur-on-demand, and an app-switcher privacy shield • Demo Mode: show the app to anyone with sample data — your real finances stay hidden • Full JSON backups you own, plus optional weekly iCloud Drive auto-backup RUN A BUSINESS TOO? Clients, jobs, estimates and invoices, a work timer, mileage, crew hours and a Schedule C summary at tax time — kept completely apart from your personal money, with one switch to change which you're looking at. Simple Finance doesn't track you, and never sells or shares your data. See our privacy policy — it's short, because there's so little to disclose.

Three of the app's deepest screens were Mac-only. They're on your iPhone and iPad now. • Financial Health — one 0–100 score built from your emergency fund, savings rate, debt load and net worth, each with a plain-English next step and a link to the screen that improves it. • Cash Flow Forecast — projects your spendable balance 30–90 days out from your recurring bills and income, and shows the lowest point it will hit. • Asset Allocation — set a target mix, see the drift, and get the exact buy/sell amounts to rebalance. Everything scales with your text size. Every figure, label and caption on these screens — and across the app — now follows Settings → Display & Text Size, instead of staying fixed at the default. Credit cards are more than a balance now. Open one from Net Worth and you get its credit line and how much of it you're using, the APR and what carrying a balance costs you each month, the day your statement closes and the day payment is due, and this month's charges and payments on that card. Your statement balance is tracked separately from your current balance, because only one of them avoids interest. Payment reminders come with your bill reminders. Also in this release: • Credit cards are real accounts you can point money at, and a charge now increases what you owe instead of decreasing it. • The cash flow calendar shows what lands on a day when you tap it, and marks when card payments are due. • Bills and recurring items read correctly when a repeat lands twice in one window. • Messages you send from inside the app can be replied to, and the reply comes back in the app. • A large amount of layout work so nothing truncates: figures scale instead of being cut, and labels wrap instead of losing their words.

Momentum comes from crawler snapshots for the tracked storefront. “Viral growth signal” means unusually fast recent rating gains; it is an indicator, not download data.

1. First observed Sep 4, 2026 · 4:12 AM Free