Simple Finance: Budget Planner

Beschreibung

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 center 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.

Every win celebrated, loan payments split properly, and a faster app. Every win gets its moment. Payday, a month under budget, a goal reached, your net worth passing each $100,000 — each has its own celebration, from fireworks and lanterns to a meteor shower. Rings draw themselves, figures roll into place, and tabs arrive from the side you moved. Open What's New and tap See it to watch them. Settings › Celebrations & Motion plays every one whenever you like, and can turn them off. Split a loan payment. Long-press a mortgage or loan payment in Transactions — an imported one works — and choose Split Loan Payment. The principal pays down the loan, the interest goes to its own expense category, and escrow stays where it was. A mortgage fills in this month's principal and interest from its schedule. When the same payment is imported again, it splits itself, and Undo Loan Split puts any payment back. Chats that feel alive. Messages fly into place, Delivered turns to Read where it sits, and reactions pop — talking to me, and in your household chat. Faster. Budget opens several times faster, and the other tabs are ready before you tap them. Saved views. Save any set of filters on Transactions as a view you can tap back to — on your iPhone and your Mac. Undo yesterday's import. Your last ten imports stay undoable for six weeks, right from the import screen. Until payday, on Home. What's safe to spend before your next paycheck, right on the Home screen. Private on a locked phone. Widgets keep your amounts hidden until you unlock, and Siri won't read your money out while the phone or the app is locked. Quick Log reaches the Lock Screen too. In Australia, New Zealand, the UK and Ireland: link the savings that offset your home loan, and interest, principal and the payoff date are worked out on the balance less what they hold. Quiet hours: reminders that would arrive overnight wait for the morning. New to Simple Finance? A shorter welcome, a first expense with nothing in the way, and a Home screen that meets you where you are. Also: "Net income" wherever the month's income is a figure, transfers are yellow everywhere, and many fixes for large text sizes and dark mode. Questions, or something you wish it did? Message me from Help & Support — I read every one, and most of this update started as somebody asking.

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Anbieter

Aaron Schmitz

Kategorie

Finance

Version

2.8.1

Erfordert

iOS 18.0+

Größe

202.8 MB

Altersfreigabe

4+