Simply Finance

Simply Finance is a private, manual-first budget and expense tracker. Its question-first Home tells you what changed, what comes next, and whether your plan fits your income—without linking a bank or paying another subscription.

ANSWERS, NOT ANOTHER DASHBOARD

• Safe-to-spend guidance after essentials, bills, and goals
• A clear answer on whether planned spending fits your monthly income
• Changes from last month explained in plain language
• Financial runway based on available cash and spending

ASK AI, ON YOUR TERMS

• Ask questions grounded in your own finance history
• Use on-device intelligence where supported
• Or connect a supported cloud provider with your own API key
• Cloud AI is off by default; selected context goes directly to the provider you choose and never through Simply Finance servers

TURN ALERTS INTO ENTRIES

• Build reusable Auto Transaction rules from supported bank alert text
• Extract amount, merchant, account suffix, and other details
• Route entries to accounts and categories with keyword rules
• On iPhone and iPad, use Shortcuts to pass supported messages into the app

PRIVATE BY DESIGN

• No bank connection, signup, email, ads, analytics, or behavioral tracking
• Local-first and fully usable offline
• Sync is an optional feature; whenever enabled, finance records are always end-to-end encrypted
• The hosted relay cannot decrypt your financial database—even if we wanted to
• Portable exports keep you in control of your own data

PLAN AND TRACK

• Accounts for checking, savings, credit cards, cash, and more
• Fast income, expense, and transfer entry
• Daily, monthly, and yearly category budgets
• Recurring bills, income, schedules, and reminders
• Savings goals with progress and required pace
• Detailed reports for cash flow, net worth, spending trends, categories, and tags
• Financial Runway and Future Sight projections
• Multi-currency accounts with editable FX rates
• Tags, rules, search, export, and dark mode

SWITCH WITHOUT STARTING OVER

Import supported transaction exports from Copilot, YNAB, Monarch, Mint, Simply Finance, or a compatible CSV. Preview transactions, accounts, categories, dates, and duplicates before saving. Re-importing skips entries already in your ledger, so you can try a copy of your history before switching.

MANUAL-FIRST ON PURPOSE

Simply Finance does not connect to your bank. Manual entry avoids broken feeds and duplicate imports, while Auto Transactions adds selective automation without sharing bank credentials. If automatic bank feeds or shared household accounts are essential, this app may not fit your workflow.

Download free and use the core tracking, Home answers, Ask AI, Auto Transactions, budgets, recurring schedules, goals, and imports. One non-consumable Full Version purchase unlocks encrypted device sync and detailed reports. Nothing renews. Purchases are tied to your App Store account.