Completely rebuilt. Check your Financial Health Index, crush debt bosses, and win weekly money missions — privately, on your iPhone. No bank login required.
Tendi is your private money coach — and it lives entirely on your iPhone.
No bank logins. No account to create. No data sent to a server. Tendi turns messy household finances into clear weekly wins, using a serious financial engine wrapped in something that actually feels good to open. This is Tendi v2, rebuilt from the ground up for privacy, speed, and momentum.
KNOW WHERE YOU STAND
Your Financial Health Index (FHI) scores your household from 0 to 100 across seven pillars: cashflow, debt load, emergency fund, savings momentum, goal clarity, family alignment, and habits. See what's holding you back — and the single fastest move to raise your score.
MUTILATE YOUR DEBT
Turn payoff into something you'll actually do. The Debt Mutilator models your real debts as "bosses," compares the Avalanche (APR Assassin) and Snowball (Momentum Mutilator) strategies, and shows your debt-free date, total interest, and how much future interest a small extra payment prevents. Slide the extra-payment dial and watch the math change in real time.
WIN WEEKLY MONEY MISSIONS
Small, finishable, and aimed at your biggest opportunity. Subscription purges, emergency-fund seeds, no-spend weekends, debt strikes — each mission shows its impact before you start and celebrates when you finish. Build a streak. Keep the momentum.
YOUR ON-DEVICE AI COACH
Ask real questions, like "Can we afford an extra $50 payment this week?", and get grounded answers based on your actual numbers. Powered by Apple Intelligence on supported devices, with a smart deterministic coach that keeps working even when AI isn't available. The coach never guesses at your math — it uses Tendi's tested finance engine.
IMPORT STATEMENTS, PRIVATELY
No bank connection required. Import a PDF, scan a paper statement with your camera, or load a CSV — everything is read on your iPhone. Tendi finds your transactions, categorizes them, and detects recurring charges without uploading a thing. Raw files are deleted after you review.
PLAN AS A FAMILY
Add household members, set shared goals, and run family money missions together. Money decisions are easier when everyone is pulling the same direction.
PRIVATE BY DESIGN
- No bank connection required
- No Tendi account, no server, no remote AI
- Statements processed on-device and deleted after review
- Optional Face ID app lock
- Encrypted backups you control
- Sanitized share cards — celebrate wins without revealing balances
Tendi is an educational financial planning tool. It is not investment, tax, or legal advice, and your FHI is not a credit score.
Membership unlocks unlimited missions, more monthly statement imports, the family mission board, and the full AI coach. Your first month is free.
Start where you are. Make one small move this week. Watch it add up.
I don’t have words for how disappointing this app was. It’s like they don’t even try. It let me register an account, then indicated that it was analyzing and would notify me in a “few minutes” when it was done - that time never came. On top of that, the app kept indicating that it didn’t have an account setup - but could tell me the balance and nothing else of the account I already set up. This app is a joke and doesn’t do a single thing it advertises. Steer clear. The 4 five star reviews must be from the fly by night jokers that created this garbage.
Developer Response
Hopefully you may consider trying the new version - For a free promo code, please post a short note to the new support tracker at: https://appstr.ai/a/tendi/supportThe new Version 2 is 100% on-device only, there is no account setup, no cloud data, and no bank processing. All analysis remains on your iPhone. The goal of this app remains the same - help everyone take control of their finances.
Nonfunctional
GreekGeekUSA
This app is atrocious. I wish I could figure out how to get them to delete my data from their system but even that doesn’t work. Unresponsive customer service team to make matters worse. STAY AWAY.
Developer Response
The new Version 2 is 100% on-device only, there is no account setup, no cloud data, and no bank processing. All analysis remains on your iPhone. The goal of this app remains the same - help everyone take control of their finances. Hopefully you may consider trying the new version - For a free promo code, please post a short note to the new support tracker at: https://appstr.ai/a/tendi/supportVersion 1.3 was ahead of it's time, but then fell apart when the underlying bank processor changed their API and broke the account registration and processing. That version has been shutdown.
Not registering
ReaWest
Wanted to try but it will not let you register your email at all.
Developer Response
The latest Version 2 is 100% on-device only, there is no account setup, no cloud data, and no bank processing. All analysis remains on your iPhone. Hopefully you may consider trying the new version - For a free promo code, please post a short note to the new support tracker at: https://appstr.ai/a/tendi/support
Tendi has been completely rebuilt.
This is a from-scratch reboot focused on privacy, speed, and momentum — a private money coach that runs entirely on your iPhone, with no bank connection and no server.
What's new:
• Financial Health Index — a 0 to 100 score across seven pillars, with your fastest win highlighted
• Debt Mutilator — compare Avalanche vs Snowball, see your debt-free date, and watch a small extra payment prevent future interest
• Weekly money missions — tiny, high-impact tasks with streaks and celebrations
• On-device AI money coach — grounded in your real numbers, powered by Apple Intelligence (with a deterministic fallback)
• Private statement import — PDF, camera scan, or CSV, all processed on-device; raw files deleted after review
• Family planning — household members, shared goals, and family missions
• Privacy by design — Face ID lock, encrypted backups, and sanitized share cards
• Now universal — beautiful on both iPhone and iPad
• Your first month is free
Thanks for being part of the reboot. Tell us what you'd love to see next.
Version 2.0
The developer, EnvyGames, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
Contact Info
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Financial Info
Location
Identifiers
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
Tendi LLC
Size
5.2 MB
Category
Finance
Compatibility
Requires iOS 26.0 or later.
iPhone Requires iOS 26.0 or later.
iPad Requires iPadOS 26.0 or later.
Mac Requires macOS 26.0 or later and a Mac with Apple M1 chip or later.
