What should a money app tell you?

What changed, whether you're okay, and what comes next.

Simply Finance turns the transactions you record into plain answers. No bank connection, account signup, ads, or subscription.

Now available on iPhone, iPad, and Android.

Available now on iPhone & iPad

Available now on Google Play

Free to download. $4.99 once for Sync and detailed Reports. No subscription.

Simply Finance Home showing plain-language answers about daily spending and financial runway — Simply Finance Home on iPhone.

Bank login: Never required
Primary ledger: Stored on this device
Sync: Optional and end-to-end encrypted
Full Version: $4.99 once

From entry to answer

One ledger, three jobs.

Record what happened, understand the month, and keep the next decision visible. Every answer stays connected to the numbers behind it.

Capture

Record it while it is still clear.

Log a purchase in seconds and keep checking, savings, cards, and cash in one view. Original currencies stay visible, with every exchange rate open to inspect and edit.

Simply Finance transaction entry with amount and category controls — Capture in the current iOS app.

Simply Finance accounts showing checking, savings, cash, credit, and an account held in euros — Capture in the current iOS app.

Understand

Read the answer, then inspect the numbers.

See where the money went, compare income with expenses, and open the transactions behind every total. Ask a plain-language question when you want a pattern explained from your own history.

Simply Finance Reports library with Cash Flow, Net Worth, Spending Trends, Category Spending, and Tag Spending — Understand in the current iOS app.

Simply Finance Ask AI with private finance question suggestions and on-device or Claude options — Understand in the current iOS app.

Plan

Plan this month and what comes next.

Set monthly limits and see spent, remaining, or over at a glance. Then track an emergency fund, trip, or card payoff with the pace needed to reach it.

Simply Finance category budgets showing spent and remaining amounts — Plan in the current iOS app.

Simply Finance goals showing emergency savings, travel, and credit card payoff progress — Plan in the current iOS app.

Switch without starting over

Bring your history. Try Simply Finance before you switch.

Import transaction history from Copilot, YNAB, Monarch, Mint, Simply Finance, or a compatible CSV. Review exactly what will be added first, then see how your real history feels in the app.

Preview first: Check transactions, accounts, categories, dates, and duplicates before anything is saved.
Your old app stays untouched: Simply Finance imports a copy of the export you choose. It never changes the original.
Re-import safely: Already imported rows are skipped, so testing again does not duplicate your history.

Available now on iPhone & iPad

Available now on Google Play

Simply Finance import screen for Copilot, YNAB, Monarch, Mint, Simply Finance, and other CSV files

Privacy

Private by what it never asks for.

Simply Finance avoids collecting the data it would later have to protect, monetize, or explain after a breach.

No bank connection: No Plaid, MX, open-banking token, or bank password enters the system.
Local-first: The app works offline and keeps the primary copy of your ledger on your device.
Encrypted sync: The optional relay receives ciphertext; the recovery phrase stays with you.
AI is your choice: On-device intelligence is preferred when available. Cloud AI stays off until you choose a provider and add your key.

See exactly what leaves your device →

On a larger screen

The plan gets room, not more chrome.

A persistent sidebar keeps every workspace one tap away. Home, goals, and multi-currency accounts stay dense and readable without stretching a phone card across the canvas.

Simply Finance Home on iPad with persistent sidebar navigation and plain-language financial answers — The complete workspaceHome answers remain central while the native sidebar keeps the rest of the ledger close.

Simply Finance goals on iPad showing an emergency fund, Japan trip, and card payoff — **Goals keep their pace visible.**Targets, progress, and the monthly amount needed stay readable beside the rest of the plan.

Simply Finance multi-currency accounts on iPad with a visible USD exchange-rate control — **Accounts keep their original currency.**The overview stays comparable without hiding the amount or exchange rate behind each balance.

Compare

A different trade-off.

Subscription apps automate more and support shared households. Simply Finance chooses manual control, offline access, and a one-time Full Version purchase instead. If automatic bank import is essential, choose another tool. If privacy and ownership matter more, this is the point.

Swipe or use arrow keys to compare all apps.

Budget app comparison
Feature	Simply Finance	YNAB	Monarch	Simplifi
Price	$4.99 once	$109/year	$99.99/year	From $2.99/month*
Bank connection	None	Optional	Core feature	Core feature
Works offline
No signup needed
Readable cloud ledger	None	Yes	Yes	Yes
Household collaboration

Prices checked July 11, 2026 from YNAB, Monarch, and Quicken. Promotional pricing can change. Product differences are based on public documentation and hands-on Simply Finance behavior.

Shape what comes next

Make the real problem visible.

Share a feature request or explain the workflow that is still getting in your way without leaving the website. The roadmap follows recurring problems that fit the private, local-first product—not the loudest inbox thread.

Feedback & roadmap

Request: Describe the job, the friction, and the outcome you expected.
Review: Each submission is stored privately and reviewed for recurring patterns.
Roadmap: Accepted requests move only when they fit the private, local-first product.

Start with the next transaction

No account to create. No bank to connect.

Download now and decide later whether Sync and detailed Reports are worth the one-time unlock.

Available now on iPhone & iPad

Available now on Google Play