Sotto: Private Finance AI
Budgets & money. On-device AI
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
Sotto is a finance AI that lives on your iPhone — not in someone's cloud.
Chat about your spending, budgets, debts, and goals, and get precise answers computed from your real numbers. No bank linking. No account. Nothing leaves your device.
TALK TO YOUR MONEY
Ask Sotto anything: "How did I do this week?" "When will my loan be paid off?" "Can I afford this?" Every figure in every answer is calculated by the app from your actual data — the AI explains, it never guesses. The model runs entirely on your iPhone, so your financial life is never uploaded, analyzed, or sold.
TRACK WITHOUT SURRENDERING YOUR BANK LOGIN
- Log expenses and income in seconds — smart categories learn your habits
- Split transactions, attach receipts, add notes
- Powerful search and filters across everything
- Multiple accounts and currencies
SEE WHERE IT ALL GOES
- Spending, cash flow, and trend charts you can tap into
- Budgets with live pacing — know if you're on track mid-month, not after
- A financial health score that shows exactly what moves it
GET OUT OF DEBT, HIT YOUR GOALS
- Debt payoff planner: compare avalanche vs snowball, see your debt-free date
- Savings goals with projected completion dates
- A calendar of upcoming bills and recurring payments, so nothing surprises you
PRIVATE BY ARCHITECTURE — NOT BY PROMISE
- All AI runs on-device. No servers. We couldn't read your data if we wanted to
- No account, no sign-up, no email required
- Face ID / Touch ID app lock
- Optional iCloud sync uses your private iCloud database — encrypted, accessible only to you
- App Store privacy label: Data Not Collected
SOTTO PRO
The AI chat is free, with no message limits — that's the heart of Sotto and it stays free. Pro unlocks the power tools: receipt scanning, CSV import, unlimited accounts, budgets and goals, the debt payoff planner, advanced charts, daily insights, widgets, iCloud sync, and export. Monthly, annual, or pay once for lifetime.
WORKS EVERYWHERE
Any currency, any country. Dark mode first, gorgeous in light. Widgets for your balance, spending, and goals.
Your money deserves a quiet place to be understood. Download Sotto and ask it something.
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Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://sotto.devforgeagency.com/privacy
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Ask Sotto out loud.
- Siri now talks to your money. "Hey Siri, ask Sotto what I
spent on groceries" — or log a transaction hands-free,
without opening the app.
- A new on-device AI engine. Faster answers, better
reasoning, and a smaller footprint on your iPhone.
- Redesigned to feel at home in iOS 26, with a lighter,
quieter interface throughout.
- Sotto now appears in Spotlight and Shortcuts, so your
numbers are one search away.
Still no bank logins. Still no account. Still nothing
leaves your device.
The developer, Devforge Agency, 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 Linked to You
The following data may be collected but it is not linked to your identity:
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Devforge Agency
- Size
- 59.5 MB
- Category
- Finance
- Compatibility
Requires iOS 18.0 or later.
- iPhone
Requires iOS 18.0 or later. - Mac
Requires macOS 15.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 2.0 or later. - Apple Watch
Requires watchOS 11.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Sotto Pro Lifetime $69.99
- Sotto Pro Annual $29.99
- Sotto Pro Monthly $4.99
- Copyright
- © 2026 DevForge Agency