YOUR MONEY
YOUR MONEY. YOUR DEVICE. YOUR RULES. Cifro is a financial wellness app that helps you understand your spending behavior — not just track it. Every transaction gets classified, patterns emerge, and you build consistency through a daily review ritual. All 100% on your iPhone. No accounts, no cloud, no data sharing. MONEY MOMENTS A daily micro-ritual to review your spending. One transaction at a time, you classify each one as Well Spent, Necessary, or Needs Review. It takes a minute. Over time, you build a streak and a real understanding of where your money goes. FINANCIAL EFFICIENCY SCORE Like a fitness tracker for your wallet. Cifro calculates how efficiently you spend each month — a single score that reflects how much of your money went to things that actually matter to you. Watch it trend over weeks with built-in charts. SMART AI AUTO-TAGGING Type "15000 lunch at sushi place" and Cifro parses it instantly. On-device AI powered by Apple Foundation Models suggests the right budget bucket automatically. The more you use it, the smarter it gets — learning from your corrections and teach examples. BUDGET BUCKETS Create up to 8 spending buckets that match your life. Each one tracks budget vs. spent with visual progress rings. Teach Cifro which transactions belong where by adding examples — the AI learns your patterns. DAILY INSIGHTS AI-generated insights on your home dashboard surface what matters: spending spikes, streak milestones, efficiency changes. Contextual, personal, and always computed on-device. TREND CHARTS Efficiency over 30 days. Weekly spending stacked by status. Visual progress rings for spent, reviewed, and streak. See the big picture at a glance. WHY CIFRO? • 100% Offline — Works without internet. No servers, ever. • Zero Accounts — No sign-up, no email, no password. • Private by Design — Data never leaves your device. • On-Device AI — Apple Foundation Models power auto-tagging. • Daily Review Ritual — Build consistency, not just budgets. • Review Streaks — Stay motivated with daily streak tracking. • Native iOS — Built with SwiftUI for iPhone. • No Ads, No Tracking — You are not the product. BUILT FOR PEOPLE WHO VALUE PRIVACY Every finance app wants your bank login. Cifro doesn't. Your data physically cannot leave your device — it's not a policy, it's the architecture. No backend, no analytics, no compromises. Download Cifro and take control of your money — privately.
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