Financial - Manager & Tracker
Money, Banks & Subscriptions
Free · In‑App Purchases
Discover Financial, the all-in-one app for managing your finances! • Apple Favorites of the week
No ads.
No-credit-card free trial.
Full offline support.
Privacy-first.
All your finances, in one place – finally visible and under control.
• Add all your accounts in one view
• Support for banks, credit cards, wallets
• Live balance syncing (where possible)
• Smart categorization
# AUTOMATIONS
• Automatic transaction import
• Automatic detection of SmartPays through transactions
• Automatic detection of outstanding payments from Splitter through transactions
• Automatic recognition of outstanding Wishes from your personal Wishlist through transactions
# BUDGETS, SPLITTER, SMARTPAY & WISHLIST
• Budgets - set monthly or custom budgets, track spending, and get notified before you overspend
• Splitter - split expenses with friends, family, or teammates and always know who owes what
• SmartPay - create and manage recurring payments for rent, bills, and subscriptions with just a few taps
• Wishlist – track progress toward larger purchases and save with a clear plan
# INSIGHTS & ANALYTICS
• Clear charts & graphs - see your income and expenses at a glance
• Category breakdowns - discover where your money really goes (food, travel, bills, etc.)
• Trends & forecasts - spot monthly patterns and plan ahead
• Comparisons - track spending across months or categories
• Custom reports - filter by accounts, categories, or timeframes
• Smart alerts - notifications when budgets are exceeded or spending changes unexpectedly
# SHARED ACCOUNTS
• Group accounts - create shared virtual accounts for trips, households, or events
• Track contributions - always know who paid what and how much is left
• Real-time sync - balances update instantly across all devices
• Perfect for couples, roommates, friends & teams - from daily groceries to travel budgets
# FINANCIAL ASSISTANT – FIN
• Smart suggestions – FIN learns from your habits to help you save and plan smarter
• Personalized insights – highlights what really matters in your financial data
• Contract & SmartPay reminders – automatically notifies you before renewals or payments
• Unusual spending alerts – detects irregular activity without sending data to external servers
• On-device processing – your financial data never leaves your device
• Ask FIN anything – get instant, context-aware answers about your finances
# EXTRAS & UTILITIES
• Currency converter – real-time exchange rates for over 150 currencies
• Receipt scanner – capture bills and receipts instantly with your camera
• Document management – attach PDFs or notes to any transaction or contract
• iCloud sync & backup – your data securely stored and always accessible
• Widgets & Apple Watch – check your balance and budgets right from your wrist or Home Screen
• Multi-device support – seamless experience across Apple iPhone, Apple iPad, Apple Watch and Apple Vision Pro
• Localization – available in 23 languages across 50+ countries and supports all currencies
# WHAT'S FREE?
• No ads, no tracking – privacy-first experience
• Budgets & wish lists – plan smarter without restrictions
• SmartPay setup – create recurring payments easily
• Splitter & shared accounts – manage group expenses together
• Basic insights – monthly summaries and category overviews
• iCloud sync & backup – your data, always safe
• Widgets & Apple Watch support – insights at a glance, everywhere
# WHAT'S PRO?
• Unlimited accounts – add all your banks, cards, and wallets
• Unlimited amounts of SmartPays, splinter groups, or buckets.
• Advanced analytics – detailed charts, trends, and comparisons
• Smart notifications – alerts for budgets, unusual spending, and upcoming bills
• Extended SmartPay – automate more complex recurring payments
• Contract management – track deadlines & cancellations unlimited
• Full history access – explore past transactions without limits
# TRUST & LEGAL
• Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
more With Financial 3.0, we are introducing a completely new look, Liquid Glass details throughout the app, and Bank-integrations, as well as portfolios!
# RECENTLY UPDATED
• Monthly Milestone for April 2026
• Fixed minor bugs
• Performance improvements
# INTRODUCING BANK CONNECTIONS
European bank integrations arrive in Financial for the first time.
Connect your real accounts, sync transactions automatically, and let SmartPay detect recurring payments without manual input.
A modern, secure connection flow powered by GoCardless brings real-time clarity to your finances — directly inside Financial.
# INTRODUCING PORTFOLIO CONNECTIONS
For the first time, Financial can sync real investment data from Trade Republic and Bitpanda.
Holdings, performance, and transactions flow directly into the app, creating a clearer view of your full financial picture.
Support for additional brokers is already in development...
# VIRTUAL ACCOUNTS & PORTFOLIOS
Virtual Accounts have been redesigned for clarity and ease of use.
Cleaner entry flows, better editing, improved insights — perfect for users who want full control without connecting a real bank.
Virtual Portfolios make their debut in Financial 3.0.
Track your investments manually with a clear structure, detailed positions, and performance overview — now built directly into the app.
A more flexible Financial, no matter where you live or how you manage your money.
# MORE
• Completely redesigned interface built with SwiftUI
• Smarter SmartPay detection and improved recurring insights
• New Splitter experience for shared expenses
• Faster performance and a more stable backend
• Cleaner charts, clearer navigation, calmer design
• Many refinements across the entire app
3.0.10 Apr 7
With Financial 3.0, we are introducing a completely new look, Liquid Glass details throughout the app, and Bank-integrations, as well as portfolios!
# RECENTLY UPDATED
• Monthly Milestone for April 2026
• Fixed minor bugs
• Performance improvements
# INTRODUCING BANK CONNECTIONS
European bank integrations arrive in Financial for the first time.
Connect your real accounts, sync transactions automatically, and let SmartPay detect recurring payments without manual input.
A modern, secure connection flow powered by GoCardless brings real-time clarity to your finances — directly inside Financial.
# INTRODUCING PORTFOLIO CONNECTIONS
For the first time, Financial can sync real investment data from Trade Republic and Bitpanda.
Holdings, performance, and transactions flow directly into the app, creating a clearer view of your full financial picture.
Support for additional brokers is already in development...
# VIRTUAL ACCOUNTS & PORTFOLIOS
Virtual Accounts have been redesigned for clarity and ease of use.
Cleaner entry flows, better editing, improved insights — perfect for users who want full control without connecting a real bank.
Virtual Portfolios make their debut in Financial 3.0.
Track your investments manually with a clear structure, detailed positions, and performance overview — now built directly into the app.
A more flexible Financial, no matter where you live or how you manage your money.
# MORE
• Completely redesigned interface built with SwiftUI
• Smarter SmartPay detection and improved recurring insights
• New Splitter experience for shared expenses
• Faster performance and a more stable backend
• Cleaner charts, clearer navigation, calmer design
• Many refinements across the entire app
3.0.9 Mar 31
With Financial 3.0, we are introducing a completely new look, Liquid Glass details throughout the app, and Bank-integrations, as well as portfolios!
# RECENTLY UPDATED
• Monthly Milestone for April 2026
• Fixed minor bugs
• Performance improvements
# INTRODUCING BANK CONNECTIONS
European bank integrations arrive in Financial for the first time.
Connect your real accounts, sync transactions automatically, and let SmartPay detect recurring payments without manual input.
A modern, secure connection flow powered by GoCardless brings real-time clarity to your finances — directly inside Financial.
# INTRODUCING PORTFOLIO CONNECTIONS
For the first time, Financial can sync real investment data from Trade Republic and Bitpanda.
Holdings, performance, and transactions flow directly into the app, creating a clearer view of your full financial picture.
Support for additional brokers is already in development...
# VIRTUAL ACCOUNTS & PORTFOLIOS
Virtual Accounts have been redesigned for clarity and ease of use.
Cleaner entry flows, better editing, improved insights — perfect for users who want full control without connecting a real bank.
Virtual Portfolios make their debut in Financial 3.0.
Track your investments manually with a clear structure, detailed positions, and performance overview — now built directly into the app.
A more flexible Financial, no matter where you live or how you manage your money.
# MORE
• Completely redesigned interface built with SwiftUI
• Smarter SmartPay detection and improved recurring insights
• New Splitter experience for shared expenses
• Faster performance and a more stable backend
• Cleaner charts, clearer navigation, calmer design
• Many refinements across the entire app
3.0.8 Mar 30
With Financial 3.0, we are introducing a completely new look, Liquid Glass details throughout the app, and Bank-integrations, as well as portfolios!
# RECENTLY UPDATED
• Monthly Milestone for March 2026
• Fixed minor bugs
• Performance improvements
# INTRODUCING BANK CONNECTIONS
European bank integrations arrive in Financial for the first time.
Connect your real accounts, sync transactions automatically, and let SmartPay detect recurring payments without manual input.
A modern, secure connection flow powered by GoCardless brings real-time clarity to your finances — directly inside Financial.
# INTRODUCING PORTFOLIO CONNECTIONS
For the first time, Financial can sync real investment data from Trade Republic and Bitpanda.
Holdings, performance, and transactions flow directly into the app, creating a clearer view of your full financial picture.
Support for additional brokers is already in development...
# VIRTUAL ACCOUNTS & PORTFOLIOS
Virtual Accounts have been redesigned for clarity and ease of use.
Cleaner entry flows, better editing, improved insights — perfect for users who want full control without connecting a real bank.
Virtual Portfolios make their debut in Financial 3.0.
Track your investments manually with a clear structure, detailed positions, and performance overview — now built directly into the app.
A more flexible Financial, no matter where you live or how you manage your money.
# MORE
• Completely redesigned interface built with SwiftUI
• Smarter SmartPay detection and improved recurring insights
• New Splitter experience for shared expenses
• Faster performance and a more stable backend
• Cleaner charts, clearer navigation, calmer design
• Many refinements across the entire app
3.0.7 Feb 23
Discover Financial, the all-in-one app for managing your finances! • Apple Favorites of the week
No ads.
No-credit-card free trial.
Full offline support.
Privacy-first.
All your finances, in one place – finally visible and under control.
• Add all your accounts in one view
• Support for banks, credit cards, wallets
• Live balance syncing (where possible)
• Smart categorization
# AUTOMATIONS
• Automatic transaction import
• Automatic detection of SmartPays through transactions.
• Automatic detection of outstanding payments from Splitter through transactions.
• Automatic recognition of outstanding Wishes from your personal Wishlist through transactions.
# BUDGETS, SPLITTER, SMARTPAY & WISHLIST
• Budgets - set monthly or custom budgets, track spending, and get notified before you overspend
• Splitter - split expenses with friends, family, or teammates and always know who owes what
• SmartPay - create and manage recurring payments for rent, bills, and subscriptions with just a few taps
• Wishlist – track progress toward larger purchases and save with a clear plan
# INSIGHTS & ANALYTICS
• Clear charts & graphs - see your income and expenses at a glance
• Category breakdowns - discover where your money really goes (food, travel, bills, etc.)
• Trends & forecasts - spot monthly patterns and plan ahead
• Comparisons - track spending across months or categories
• Custom reports - filter by accounts, categories, or timeframes
• Smart alerts - notifications when budgets are exceeded or spending changes unexpectedly
# SHARED ACCOUNTS
• Group accounts - create shared virtual accounts for trips, households, or events
• Track contributions - always know who paid what and how much is left
• Real-time sync - balances update instantly across all devices
• Perfect for couples, roommates, friends & teams - from daily groceries to travel budgets
# FINANCIAL ASSISTANT – FIN
• Smart suggestions – FIN learns from your habits to help you save and plan smarter
• Personalized insights – highlights what really matters in your financial data
• Contract & SmartPay reminders – automatically notifies you before renewals or payments
• Unusual spending alerts – detects irregular activity without sending data to external servers
• On-device processing – your financial data never leaves your device
• Ask FIN anything – get instant, context-aware answers about your finances
# EXTRAS & UTILITIES
• Currency converter – real-time exchange rates for over 150 currencies
• Receipt scanner – capture bills and receipts instantly with your camera
• Document management – attach PDFs or notes to any transaction or contract
• iCloud sync & backup – your data securely stored and always accessible
• Widgets & Apple Watch – check your balance and budgets right from your wrist or Home Screen
• Multi-device support – seamless experience across Apple iPhone, Apple iPad, Apple Watch and Apple Vision Pro
• Localization – available in 23 languages across 50+ countries and supports all currencies
# WHAT'S FREE?
• No ads, no tracking – privacy-first experience
• Budgets & wish lists – plan smarter without restrictions
• SmartPay setup – create recurring payments easily
• Splitter & shared accounts – manage group expenses together
• Basic insights – monthly summaries and category overviews
• iCloud sync & backup – your data, always safe
• Widgets & Apple Watch support – insights at a glance, everywhere
# WHAT'S PRO?
• Unlimited accounts – add all your banks, cards, and wallets
• Unlimited amounts of SmartPays, splinter groups, or buckets.
• Advanced analytics – detailed charts, trends, and comparisons
• Smart notifications – alerts for budgets, unusual spending, and upcoming bills
• Extended SmartPay – automate more complex recurring payments
• Contract management – track deadlines & cancellations unlimited
• Full history access – explore past transactions without limits
# TRUST & LEGAL
• Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
3.0.6 Jan 12
Discover Financial, the all-in-one app for managing your finances! • Apple Favorites of the week
No ads.
No-credit-card free trial.
Full offline support.
Privacy-first.
All your finances, in one place – finally visible and under control.
• Add all your accounts in one view
• Support for banks, credit cards, wallets
• Live balance syncing (where possible)
• Smart categorization
# AUTOMATIONS
• Automatic transaction import
• Automatic detection of SmartPays through transactions.
• Automatic detection of outstanding payments from Splitter through transactions.
• Automatic recognition of outstanding Wishes from your personal Wishlist through transactions.
# BUDGETS, SPLITTER, SMARTPAY & WISHLIST
• Budgets - set monthly or custom budgets, track spending, and get notified before you overspend
• Splitter - split expenses with friends, family, or teammates and always know who owes what
• SmartPay - create and manage recurring payments for rent, bills, and subscriptions with just a few taps
• Wishlist – track progress toward larger purchases and save with a clear plan
# INSIGHTS & ANALYTICS
• Clear charts & graphs - see your income and expenses at a glance
• Category breakdowns - discover where your money really goes (food, travel, bills, etc.)
• Trends & forecasts - spot monthly patterns and plan ahead
• Comparisons - track spending across months or categories
• Custom reports - filter by accounts, categories, or timeframes
• Smart alerts - notifications when budgets are exceeded or spending changes unexpectedly
# SHARED ACCOUNTS
• Group accounts - create shared virtual accounts for trips, households, or events
• Track contributions - always know who paid what and how much is left
• Real-time sync - balances update instantly across all devices
• Perfect for couples, roommates, friends & teams - from daily groceries to travel budgets
# FINANCIAL ASSISTANT – FIN
• Smart suggestions – FIN learns from your habits to help you save and plan smarter
• Personalized insights – highlights what really matters in your financial data
• Contract & SmartPay reminders – automatically notifies you before renewals or payments
• Unusual spending alerts – detects irregular activity without sending data to external servers
• On-device processing – your financial data never leaves your device
• Ask FIN anything – get instant, context-aware answers about your finances
# EXTRAS & UTILITIES
• Currency converter – real-time exchange rates for over 150 currencies
• Receipt scanner – capture bills and receipts instantly with your camera
• Document management – attach PDFs or notes to any transaction or contract
• iCloud sync & backup – your data securely stored and always accessible
• Widgets & Apple Watch – check your balance and budgets right from your wrist or Home Screen
• Multi-device support – seamless experience across Apple iPhone, Apple iPad, Apple Watch and Apple Vision Pro
• Localization – available in 23 languages across 50+ countries and supports all currencies
# WHAT'S FREE?
• No ads, no tracking – privacy-first experience
• Budgets & wish lists – plan smarter without restrictions
• SmartPay setup – create recurring payments easily
• Splitter & shared accounts – manage group expenses together
• Basic insights – monthly summaries and category overviews
• iCloud sync & backup – your data, always safe
• Widgets & Apple Watch support – insights at a glance, everywhere
# WHAT'S PRO?
• Unlimited accounts – add all your banks, cards, and wallets
• Unlimited amounts of SmartPays, splinter groups, or buckets.
• Advanced analytics – detailed charts, trends, and comparisons
• Smart notifications – alerts for budgets, unusual spending, and upcoming bills
• Extended SmartPay – automate more complex recurring payments
• Contract management – track deadlines & cancellations unlimited
• Full history access – explore past transactions without limits
# TRUST & LEGAL
• Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
3.0.5 Jan 10
Discover Financial, the all-in-one app for managing your finances! • Apple Favorites of the week
No ads.
No-credit-card free trial.
Full offline support.
Privacy-first.
All your finances, in one place – finally visible and under control.
• Add all your accounts in one view
• Support for banks, credit cards, wallets
• Live balance syncing (where possible)
• Smart categorization
# AUTOMATIONS
• Automatic transaction import
• Automatic detection of SmartPays through transactions.
• Automatic detection of outstanding payments from Splitter through transactions.
• Automatic recognition of outstanding Wishes from your personal Wishlist through transactions.
# BUDGETS, SPLITTER, SMARTPAY & WISHLIST
• Budgets - set monthly or custom budgets, track spending, and get notified before you overspend
• Splitter - split expenses with friends, family, or teammates and always know who owes what
• SmartPay - create and manage recurring payments for rent, bills, and subscriptions with just a few taps
• Wishlist – track progress toward larger purchases and save with a clear plan
# INSIGHTS & ANALYTICS
• Clear charts & graphs - see your income and expenses at a glance
• Category breakdowns - discover where your money really goes (food, travel, bills, etc.)
• Trends & forecasts - spot monthly patterns and plan ahead
• Comparisons - track spending across months or categories
• Custom reports - filter by accounts, categories, or timeframes
• Smart alerts - notifications when budgets are exceeded or spending changes unexpectedly
# SHARED ACCOUNTS
• Group accounts - create shared virtual accounts for trips, households, or events
• Track contributions - always know who paid what and how much is left
• Real-time sync - balances update instantly across all devices
• Perfect for couples, roommates, friends & teams - from daily groceries to travel budgets
# FINANCIAL ASSISTANT – FIN
• Smart suggestions – FIN learns from your habits to help you save and plan smarter
• Personalized insights – highlights what really matters in your financial data
• Contract & SmartPay reminders – automatically notifies you before renewals or payments
• Unusual spending alerts – detects irregular activity without sending data to external servers
• On-device processing – your financial data never leaves your device
• Ask FIN anything – get instant, context-aware answers about your finances
# EXTRAS & UTILITIES
• Currency converter – real-time exchange rates for over 150 currencies
• Receipt scanner – capture bills and receipts instantly with your camera
• Document management – attach PDFs or notes to any transaction or contract
• iCloud sync & backup – your data securely stored and always accessible
• Widgets & Apple Watch – check your balance and budgets right from your wrist or Home Screen
• Multi-device support – seamless experience across Apple iPhone, Apple iPad, Apple Watch and Apple Vision Pro
• Localization – available in 23 languages across 50+ countries and supports all currencies
# WHAT'S FREE?
• No ads, no tracking – privacy-first experience
• Budgets & wish lists – plan smarter without restrictions
• SmartPay setup – create recurring payments easily
• Splitter & shared accounts – manage group expenses together
• Basic insights – monthly summaries and category overviews
• iCloud sync & backup – your data, always safe
• Widgets & Apple Watch support – insights at a glance, everywhere
# WHAT'S PRO?
• Unlimited accounts – add all your banks, cards, and wallets
• Unlimited amounts of SmartPays, splinter groups, or buckets.
• Advanced analytics – detailed charts, trends, and comparisons
• Smart notifications – alerts for budgets, unusual spending, and upcoming bills
• Extended SmartPay – automate more complex recurring payments
• Contract management – track deadlines & cancellations unlimited
• Full history access – explore past transactions without limits
# TRUST & LEGAL
• Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
3.0.4 Jan 6
Discover Financial, the all-in-one app for managing your finances! • Apple Favorites of the week
No ads.
No-credit-card free trial.
Full offline support.
Privacy-first.
All your finances, in one place – finally visible and under control.
• Add all your accounts in one view
• Support for banks, credit cards, wallets
• Live balance syncing (where possible)
• Smart categorization
# AUTOMATIONS
• Automatic transaction import
• Automatic detection of SmartPays through transactions.
• Automatic detection of outstanding payments from Splitter through transactions.
• Automatic recognition of outstanding Wishes from your personal Wishlist through transactions.
# BUDGETS, SPLITTER, SMARTPAY & WISHLIST
• Budgets - set monthly or custom budgets, track spending, and get notified before you overspend
• Splitter - split expenses with friends, family, or teammates and always know who owes what
• SmartPay - create and manage recurring payments for rent, bills, and subscriptions with just a few taps
• Wishlist – track progress toward larger purchases and save with a clear plan
# INSIGHTS & ANALYTICS
• Clear charts & graphs - see your income and expenses at a glance
• Category breakdowns - discover where your money really goes (food, travel, bills, etc.)
• Trends & forecasts - spot monthly patterns and plan ahead
• Comparisons - track spending across months or categories
• Custom reports - filter by accounts, categories, or timeframes
• Smart alerts - notifications when budgets are exceeded or spending changes unexpectedly
# SHARED ACCOUNTS
• Group accounts - create shared virtual accounts for trips, households, or events
• Track contributions - always know who paid what and how much is left
• Real-time sync - balances update instantly across all devices
• Perfect for couples, roommates, friends & teams - from daily groceries to travel budgets
# FINANCIAL ASSISTANT – FIN
• Smart suggestions – FIN learns from your habits to help you save and plan smarter
• Personalized insights – highlights what really matters in your financial data
• Contract & SmartPay reminders – automatically notifies you before renewals or payments
• Unusual spending alerts – detects irregular activity without sending data to external servers
• On-device processing – your financial data never leaves your device
• Ask FIN anything – get instant, context-aware answers about your finances
# EXTRAS & UTILITIES
• Currency converter – real-time exchange rates for over 150 currencies
• Receipt scanner – capture bills and receipts instantly with your camera
• Document management – attach PDFs or notes to any transaction or contract
• iCloud sync & backup – your data securely stored and always accessible
• Widgets & Apple Watch – check your balance and budgets right from your wrist or Home Screen
• Multi-device support – seamless experience across Apple iPhone, Apple iPad, Apple Watch and Apple Vision Pro
• Localization – available in 23 languages across 50+ countries and supports all currencies
# WHAT'S FREE?
• No ads, no tracking – privacy-first experience
• Budgets & wish lists – plan smarter without restrictions
• SmartPay setup – create recurring payments easily
• Splitter & shared accounts – manage group expenses together
• Basic insights – monthly summaries and category overviews
• iCloud sync & backup – your data, always safe
• Widgets & Apple Watch support – insights at a glance, everywhere
# WHAT'S PRO?
• Unlimited accounts – add all your banks, cards, and wallets
• Unlimited amounts of SmartPays, splinter groups, or buckets.
• Advanced analytics – detailed charts, trends, and comparisons
• Smart notifications – alerts for budgets, unusual spending, and upcoming bills
• Extended SmartPay – automate more complex recurring payments
• Contract management – track deadlines & cancellations unlimited
• Full history access – explore past transactions without limits
# TRUST & LEGAL
• Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
3.0.3 12/29/2025
Discover Financial, the all-in-one app for managing your finances! • Apple Favorites of the week
No ads.
No-credit-card free trial.
Full offline support.
Privacy-first.
All your finances, in one place – finally visible and under control.
• Add all your accounts in one view
• Support for banks, credit cards, wallets
• Live balance syncing (where possible)
• Smart categorization
# AUTOMATIONS
• Automatic transaction import
• Automatic detection of SmartPays through transactions.
• Automatic detection of outstanding payments from Splitter through transactions.
• Automatic recognition of outstanding Wishes from your personal Wishlist through transactions.
# BUDGETS, SPLITTER, SMARTPAY & WISHLIST
• Budgets - set monthly or custom budgets, track spending, and get notified before you overspend
• Splitter - split expenses with friends, family, or teammates and always know who owes what
• SmartPay - create and manage recurring payments for rent, bills, and subscriptions with just a few taps
• Wishlist – track progress toward larger purchases and save with a clear plan
# INSIGHTS & ANALYTICS
• Clear charts & graphs - see your income and expenses at a glance
• Category breakdowns - discover where your money really goes (food, travel, bills, etc.)
• Trends & forecasts - spot monthly patterns and plan ahead
• Comparisons - track spending across months or categories
• Custom reports - filter by accounts, categories, or timeframes
• Smart alerts - notifications when budgets are exceeded or spending changes unexpectedly
# SHARED ACCOUNTS
• Group accounts - create shared virtual accounts for trips, households, or events
• Track contributions - always know who paid what and how much is left
• Real-time sync - balances update instantly across all devices
• Perfect for couples, roommates, friends & teams - from daily groceries to travel budgets
# FINANCIAL ASSISTANT – FIN
• Smart suggestions – FIN learns from your habits to help you save and plan smarter
• Personalized insights – highlights what really matters in your financial data
• Contract & SmartPay reminders – automatically notifies you before renewals or payments
• Unusual spending alerts – detects irregular activity without sending data to external servers
• On-device processing – your financial data never leaves your device
• Ask FIN anything – get instant, context-aware answers about your finances
# EXTRAS & UTILITIES
• Currency converter – real-time exchange rates for over 150 currencies
• Receipt scanner – capture bills and receipts instantly with your camera
• Document management – attach PDFs or notes to any transaction or contract
• iCloud sync & backup – your data securely stored and always accessible
• Widgets & Apple Watch – check your balance and budgets right from your wrist or Home Screen
• Multi-device support – seamless experience across Apple iPhone, Apple iPad, Apple Watch and Apple Vision Pro
• Localization – available in 23 languages across 50+ countries and supports all currencies
# WHAT'S FREE?
• No ads, no tracking – privacy-first experience
• Budgets & wish lists – plan smarter without restrictions
• SmartPay setup – create recurring payments easily
• Splitter & shared accounts – manage group expenses together
• Basic insights – monthly summaries and category overviews
• iCloud sync & backup – your data, always safe
• Widgets & Apple Watch support – insights at a glance, everywhere
# WHAT'S PRO?
• Unlimited accounts – add all your banks, cards, and wallets
• Unlimited amounts of SmartPays, splinter groups, or buckets.
• Advanced analytics – detailed charts, trends, and comparisons
• Smart notifications – alerts for budgets, unusual spending, and upcoming bills
• Extended SmartPay – automate more complex recurring payments
• Contract management – track deadlines & cancellations unlimited
• Full history access – explore past transactions without limits
# TRUST & LEGAL
• Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
3.0.2 12/24/2025
Discover Financial, the all-in-one app for managing your finances! • Apple Favorites of the week
No ads.
No-credit-card free trial.
Full offline support.
Privacy-first.
All your finances, in one place – finally visible and under control.
• Add all your accounts in one view
• Support for banks, credit cards, wallets
• Live balance syncing (where possible)
• Smart categorization
# AUTOMATIONS
• Automatic transaction import
• Automatic detection of SmartPays through transactions.
• Automatic detection of outstanding payments from Splitter through transactions.
• Automatic recognition of outstanding Wishes from your personal Wishlist through transactions.
# BUDGETS, SPLITTER, SMARTPAY & WISHLIST
• Budgets - set monthly or custom budgets, track spending, and get notified before you overspend
• Splitter - split expenses with friends, family, or teammates and always know who owes what
• SmartPay - create and manage recurring payments for rent, bills, and subscriptions with just a few taps
• Wishlist – track progress toward larger purchases and save with a clear plan
# INSIGHTS & ANALYTICS
• Clear charts & graphs - see your income and expenses at a glance
• Category breakdowns - discover where your money really goes (food, travel, bills, etc.)
• Trends & forecasts - spot monthly patterns and plan ahead
• Comparisons - track spending across months or categories
• Custom reports - filter by accounts, categories, or timeframes
• Smart alerts - notifications when budgets are exceeded or spending changes unexpectedly
# SHARED ACCOUNTS
• Group accounts - create shared virtual accounts for trips, households, or events
• Track contributions - always know who paid what and how much is left
• Real-time sync - balances update instantly across all devices
• Perfect for couples, roommates, friends & teams - from daily groceries to travel budgets
# FINANCIAL ASSISTANT – FIN
• Smart suggestions – FIN learns from your habits to help you save and plan smarter
• Personalized insights – highlights what really matters in your financial data
• Contract & SmartPay reminders – automatically notifies you before renewals or payments
• Unusual spending alerts – detects irregular activity without sending data to external servers
• On-device processing – your financial data never leaves your device
• Ask FIN anything – get instant, context-aware answers about your finances
# EXTRAS & UTILITIES
• Currency converter – real-time exchange rates for over 150 currencies
• Receipt scanner – capture bills and receipts instantly with your camera
• Document management – attach PDFs or notes to any transaction or contract
• iCloud sync & backup – your data securely stored and always accessible
• Widgets & Apple Watch – check your balance and budgets right from your wrist or Home Screen
• Multi-device support – seamless experience across Apple iPhone, Apple iPad, Apple Watch and Apple Vision Pro
• Localization – available in 23 languages across 50+ countries and supports all currencies
# WHAT'S FREE?
• No ads, no tracking – privacy-first experience
• Budgets & wish lists – plan smarter without restrictions
• SmartPay setup – create recurring payments easily
• Splitter & shared accounts – manage group expenses together
• Basic insights – monthly summaries and category overviews
• iCloud sync & backup – your data, always safe
• Widgets & Apple Watch support – insights at a glance, everywhere
# WHAT'S PRO?
• Unlimited accounts – add all your banks, cards, and wallets
• Unlimited amounts of SmartPays, splinter groups, or buckets.
• Advanced analytics – detailed charts, trends, and comparisons
• Smart notifications – alerts for budgets, unusual spending, and upcoming bills
• Extended SmartPay – automate more complex recurring payments
• Contract management – track deadlines & cancellations unlimited
• Full history access – explore past transactions without limits
# TRUST & LEGAL
• Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
3.0.1 12/22/2025
With Financial 3.0, we are introducing a completely new look, Liquid Glass details throughout the app, and Bank-integrations, as well as portfolios!
# INTRODUCING BANK CONNECTIONS
European bank integrations arrive in Financial for the first time.
Connect your real accounts, sync transactions automatically, and let SmartPay detect recurring payments without manual input.
A modern, secure connection flow powered by GoCardless brings real-time clarity to your finances — directly inside Financial.
# INTRODUCING PORTFOLIO CONNECTIONS
For the first time, Financial can sync real investment data from Trade Republic and Bitpanda.
Holdings, performance, and transactions flow directly into the app, creating a clearer view of your full financial picture.
Support for additional brokers is already in development...
# VIRTUAL ACCOUNTS & PORTFOLIOS
Virtual Accounts have been redesigned for clarity and ease of use.
Cleaner entry flows, better editing, improved insights — perfect for users who want full control without connecting a real bank.
Virtual Portfolios make their debut in Financial 3.0.
Track your investments manually with a clear structure, detailed positions, and performance overview — now built directly into the app.
A more flexible Financial, no matter where you live or how you manage your money.
# MORE
• Completely redesigned interface built with SwiftUI
• Smarter SmartPay detection and improved recurring insights
• New Splitter experience for shared expenses
• Faster performance and a more stable backend
• Cleaner charts, clearer navigation, calmer design
• Many refinements across the entire app
3.0 12/21/2025
December Milestone, Bug fixes & improvements.
2.3.5 11/20/2025
Bug fixes & improvements.
2.3.4 10/01/2025
Bug fixes & improvements.
2.3.3 08/08/2025
Bug fixes & enhancements.
2.3.2 07/27/2025
Fixed bugs and made improvements.
2.3.1 06/02/2025
FIN has a fresh look, making it more inviting to chat with your personal Financial Assistant.
Bug fixes and enhancements.
2.3.0 04/18/2025
This update has key bug fixes and boosts performance.
2.2.6 03/28/2025
We have added new milestones, including monthly milestones.
2.2.5 02/25/2025
This update contains important bug fixes and performance improvements.
2.2.4 02/03/2025
This update contains important bug fixes and performance improvements.
In addition, Financial now also supports the following languages:
• Dutch
• French (Canada)
• Greek
• Korean
• Portuguese (Brazil)
• Portuguese (Portugal)
• Spanish (Latin America)
• Turkish
2.2.3 02/02/2025
Bug fixes and performance improvements
2.2.2 12/28/2024
Bug fixes and performance improvements
2.2.1 12/23/2024
With Financial 2.2, we are pleased to introduce exciting new features and improvements. New in this version:
- Milestones: Reach individual milestones and be rewarded for your achievements.
- Monthly Milestones: Special challenges that are only available in a specific month.
- Streaks: Maintain your streak of success to earn additional rewards.
- FIN: Your new smart financial assistant is here! FIN helps you create transactions, analyze expenses and organize your finances.
- Financial Account: A secure connection between your device and our servers to ensure that every interaction is verified and trusted.
- Financial is now also available in Swedish, Norwegian, Finnish and Danish.
We've also fixed some bugs and made other improvements:
- Performance optimizations: Faster and more stable than ever before.
- Improved user interface: Designed to be even more intuitive and user-friendly.
2.2 12/19/2024
Bug fixes and performance improvements.
2.1.6 12/05/2024
With Financial 3.0, we are introducing a completely new look, Liquid Glass details throughout the app, and Bank-integrations, as well as portfolios!
# RECENTLY UPDATED
• Monthly Milestone for April 2026
• Fixed minor bugs
• Performance improvements
# INTRODUCING BANK CONNECTIONS
European bank integrations arrive in Financial for the first time.
Connect your real accounts, sync transactions automatically, and let SmartPay detect recurring payments without manual input.
A modern, secure connection flow powered by GoCardless brings real-time clarity to your finances — directly inside Financial.
# INTRODUCING PORTFOLIO CONNECTIONS
For the first time, Financial can sync real investment data from Trade Republic and Bitpanda.
Holdings, performance, and transactions flow directly into the app, creating a clearer view of your full financial picture.
Support for additional brokers is already in development...
# VIRTUAL ACCOUNTS & PORTFOLIOS
Virtual Accounts have been redesigned for clarity and ease of use.
Cleaner entry flows, better editing, improved insights — perfect for users who want full control without connecting a real bank.
Virtual Portfolios make their debut in Financial 3.0.
Track your investments manually with a clear structure, detailed positions, and performance overview — now built directly into the app.
A more flexible Financial, no matter where you live or how you manage your money.
# MORE
• Completely redesigned interface built with SwiftUI
• Smarter SmartPay detection and improved recurring insights
• New Splitter experience for shared expenses
• Faster performance and a more stable backend
• Cleaner charts, clearer navigation, calmer design
• Many refinements across the entire app
more Version 3.0.10 Apr 7
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