Simple Finance: Budget Planner

Your whole financial life in one calm place: budgets, net worth, goals, a full retirement plan — and now the tools to run a business. No account to create. No bank logins. Nothing collected, ever.

FREE FOR LIFE IF YOU DOWNLOAD NOW

A paid plan is coming for new users. Everyone who downloads before then keeps everything, free, permanently.

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

• Import from a spreadsheet, a CSV, an OFX/QFX file — or just copy the rows and paste

NEW: RUN THE BUSINESS SIDE FROM THE SAME APP

• Clients, jobs, estimates and invoices — log work and parts as you go, then build the month's bill in one tap

• Start a timer when you start the job, stop it when you're done, and the hours are the hours

• Standing charges, payment tracking, and a Schedule C summary with mileage at tax time

• Share the business with a partner — or give your crew their own hours without ever showing them the money

• Business spending stays completely apart from personal, with one switch to change what you're looking at

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.

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

ON EVERY DEVICE YOU OWN

iPhone, iPad, Apple Watch and a real native Mac app — not a phone app in a window. Your own iCloud keeps them in step. Glance at spending, check a budget, or quick-add an expense from your wrist, plus a watch-face complication and Home Screen widgets.

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

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.