Simple Finance - Money
Budget, Net Worth & Family
Free
Simple Finance is the private way to manage your money. No account to create, no bank logins, no ads, and no tracking — your financial data lives on your device and in your own iCloud, and is never collected by anyone.
EVERYTHING IN ONE PLACE
• Budgets with rings or bars, monthly and annual, with rollover and per-month overrides
• Fast transaction entry — receipt scanning, splits, recurring bills that post themselves
• Net worth tracking: accounts, investments with live prices, crypto, mortgages, and goals
• Multi-year reports, year-over-year comparisons, and beautiful charts everywhere
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 — add a partner's accounts, salary, and Social Security, kept separate until you combine finances.
• Year-by-year cash-flow and net-worth projections in today's dollars, plus a beautiful multi-page report you can share. Your plans sync privately across your own devices.
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.
SHARE WITH YOUR HOUSEHOLD
• Spouse or partner: full live two-way syncing — you both see and edit the same accounts, transactions, budgets, and goals, automatically
• Family: a read-only summary you control, updated automatically
• Your own devices: seamless iCloud sync between iPhone, iPad, and Apple Watch
ON YOUR WRIST
Glance at this month's spending, check budget status, and quick-add an expense with a number pad right from your Apple Watch — plus a watch-face complication.
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
Home Screen widgets, Siri shortcuts, calculators for mortgage / retirement / loans / taxes, dark mode, custom accent colors, and a customizable dashboard round it out.
Simple Finance collects no data. See our privacy policy — it's short, because there's nothing to disclose.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Everything in Simple Finance stays 100% private and on your device. This update adds:
• NEW — Retirement Planner: a private, full-featured retirement simulator. See if your savings last for life across 500 market scenarios and a century of history, find your earliest safe retirement age, plan as a couple, and share a polished multi-page report. Plans sync across your own devices via iCloud.
• Auto-Invest — set it once and Simple Finance buys your fund automatically every month, week, or day at that day's price. Ideal for 401(k)-style contributions, so you never enter shares by hand again.
• Import your investments — add holdings from a brokerage CSV or a photo of a statement.
• Smarter account import — photograph a financial statement and we'll read both assets and debts and skip duplicates.
• Mortgage payoff tracking — add a loan's rate and term to a property and follow payoff, interest, and extra principal.
• Redesigned Money Flow — a cleaner look at where your income goes.
• Budget Rings — flip one card between this month and year-to-date.
• Spending Insights on your Home screen, Bills & Subscriptions grouped with your recurring items, and a refreshed recurring-transaction screen.
• A new guided How-To with narrated walkthroughs of the big features.
• Plus refinements and fixes throughout.
Thanks for using Simple Finance!
The developer, AARON THOMAS SCHMITZ, 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 Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- AARON THOMAS SCHMITZ
- Size
- 30.9 MB
- Category
- Finance
- Compatibility
Requires iOS 26.5 or later.
- iPhone
Requires iOS 26.5 or later. - iPad
Requires iPadOS 26.5 or later. - Mac
Requires macOS 26.0 or later. - Apple Vision
Requires visionOS 26.5 or later. - Apple Watch
Requires watchOS 26.5 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- Copyright
- © 2026 Aaron Schmitz
