Formation Money
Your complete wealth picture
Only for iPhone
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
iPhone
Every account, entity, and holding in one cited picture. AURA explains what the numbers mean — education only, never advice. For households that run their own money.
Formation is the personal finance dashboard for people who run their own money.
If your financial life has outgrown a spreadsheet — multiple custodians, a trust or LLC, equity compensation, real estate, private funds — Formation brings it all into one clear, honest picture, organized the way your wealth is actually structured.
WHAT YOU CAN SEE
• Net worth across every account, entity, and asset class, updated as balances sync
• Investment performance with true time-weighted returns and benchmark comparison
• Cash flow: income, spending, and savings rate, categorized automatically
• Real estate, equity compensation, and private holdings alongside your liquid accounts
• A complete plan view: long-term projections, goals, insurance, estate, and a document vault
MEET AURA
AURA is Formation's proprietary AI, built for education, not advice. It turns a complex financial life into plain answers, and every figure it shows is cited back to its source — sourced from a statement, computed from your data, or clearly labeled as an estimate. AURA gives no personalized investment advice and never moves your money.
BUILT FOR PRIVACY AND CONTROL
• Bank-level security with two-factor sign-in built in
• Your data is yours. Formation is not a registered investment adviser and does not manage or trade your assets
• Connect accounts securely through Plaid, or add anything manually
See your wealth. Shape your future.
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Formation is a subscription. Start with a 7-day free trial, then $17.99/month or $199.99/year. Payment is charged to your Apple ID at confirmation of purchase. Your subscription renews automatically unless canceled at least 24 hours before the end of the current period; your account is charged for renewal within 24 hours prior to the end of the period. Manage or cancel your subscription in your App Store account settings after purchase.
Terms of Use: https://formationmoney.com/terms
Privacy Policy: https://formationmoney.com/privacy
Ratings & Reviews
Your net worth on your home screen. The new widget shows where you stand without opening the app.
Face ID app lock, and signing in no longer asks for an SMS code every time.
AURA shows its work. Every card opens the math and the sources behind it.
Redesigned throughout: clearer cards, real figures at the top of every page, and a privacy mode that hides balances when you are not alone.
Also new since 1.0:
- Transaction review and budgets
- Search across your ledger and holdings
- Plan inputs, equity compensation, and household, now on mobile
- Capture statements and documents with your camera
- Pull to refresh actually refreshes your accounts
- Faster cold start
Fixes: investment allocation no longer reports most holdings as unclassified, and accounts now flag a stale connection after 72 hours.
The developer, Bradley Porter, 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:
- Purchases
- Financial Info
- Contact Info
- User Content
- Identifiers
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Bradley Porter
- Size
- 62.9 MB
- Category
- Finance
- Compatibility
Requires iOS 16.4 or later.
- iPhone
Requires iOS 16.4 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Formation Monthly $17.99
- Formation Annual $199.99
- Copyright
- © 2026 Formation Money