Discover Financial, the all-in-one app for managing your money. • Apple Favorites of the week

No ads.
No tracking.
No-credit-card free trial.
Core features work offline.
Privacy-first.

Financial brings your accounts, shared expenses, recurring payments, investments, and wishes into one calm finance app, so you always know where your money is, what is coming next, and what still needs attention.

# YOUR FINANCES IN ONE PLACE
• Add all your accounts in one clear overview
• Track bank accounts, credit cards, wallets, cash, and virtual accounts
• Create virtual accounts and portfolios for full control wherever you live
• Organize income, expenses, bills, and balances with smart categories
• Keep personal data available offline and securely synced with iCloud

# ACCOUNTS, PORTFOLIOS & MARKET DATA
Build your financial picture manually with virtual accounts and portfolios, or connect supported investment providers where available.
• Add and organize transactions manually with smart categories
• Track holdings, performance, investment activity, and savings plans
• Import Trade Republic data and connect Bitpanda or Kraken
• Use Financial Briefing for market context, price history, news, dividends, ETF composition, fundamentals, and regional economic data

# ACCOUNTS
Create real or virtual accounts for everyday money, savings, cards, cash, or projects. Choose what counts toward your net worth.

# SHARED ACCOUNTS
Manage money together in a private Shared Account with clear owner and editor roles.
• Invite friends, family, roommates, or partners through Contacts or email
• Sync balances, transactions, PDFs, and images between members
• Record income and expenses in multiple currencies

# SPLITTER
• Split bills with friends, family, roommates, couples, or teams
• Create groups for trips, households, events, or recurring shared costs
• Track who paid, who owes what, and what is still open
• Create payment requests and confirmation links
• Detect outstanding Splitter payments through imported transactions where available
• Connect with friends through Financial Contacts
• Scan receipts and let friends choose their items in a simple web flow

# SMARTPAYS
• Create recurring payments for rent, subscriptions, bills, and contracts
• Connect transactions to recurring payments automatically where available
• Get reminders before due dates or renewals

# WISHLIST
• Create wishes for larger purchases, goals, or personal plans
• Track progress toward each wish
• See what is realistic before you spend

# INSIGHTS & AUTOMATIONS
• Clear charts for income, expenses, balances, and categories
• Monthly trends, comparisons, and forecasts
• Smart alerts for budgets and upcoming bills
• Private suggestions and insights with on-device intelligence wherever possible

# EXTRAS
• Budgets with monthly or custom limits
• Receipt scanner for bills and receipts
• Currency converter with live exchange rates and history
• IBAN checker for validating bank details

# WHAT'S FREE?
Free includes all virtual and imported accounts and portfolios, Trade Republic imports, and Bitpanda or Kraken connections. It also includes one Shared Account and one Splitter group with Contacts, receipts, and payment requests, manual SmartPays, Wishlist, one budget, and basic insights.

# WHAT'S PRO?
Pro adds unlimited Shared Accounts, Splitter groups, SmartPays, and budgets, plus automation, reports, advanced analytics, forecasts, personalized insights, and alerts.

# TRUST & LEGAL
Personal data can sync via iCloud. Shared features use Financial’s secure backend and stay limited to accepted members.

Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Enjoy manually tracking your income and expenses with a simple, quick, liquid glass interface. Enter transactions in less than 5 seconds with a highly optimized transaction entry that shows you similar previous transactions to quickly autofill your transaction description and category

Features:
* 100% free forever. Tips are optional and always appreciated :)
* No ads, no popups, no prompts to review the app, no data collection, no analytics. I created this app for myself and I don't enjoy being bothered so I'm not going to bother anyone else. If I ever stop working on this app, I will open source it
* Export all your transactions to csv format in less than 2 seconds. You own your data
* Import your existing transactions in csv format. All that's necessary is 5 columns: Description, Category, Amount, Type (Expense/Income), and Date (ISO 8601 format). You can optionally add Color and Icon columns to further customize your categories
* All your transactions are synced to your iCloud. With CloudKit integration, all your transactions are safe even if you break your phone
* Customize your categories to your liking. If the in-app customization is not sufficient, you can export the colors and icons in your csv file, and import it back in to see your changes. The icons are SF Symbols
* Enter transactions fast, seriously fast
* Extremely fast app loading. From a cold start, the app is fully loaded and interactable in 0.48 seconds even with my 7600 transactions
* Convenience buttons for deleting all your transactions and unused categories so you can export your data, modify it as you wish, delete your data, then import everything again

How this app came to be:

I've been manually tracking my income and expenses for 10 years now. I've previously manually tracked in a spreadsheet and tried other apps, but I've consistently had gripes with them. I have always wanted to make my dream money tracking app, and the appeal of liquid glass finally pushed me to learn iOS app development to create this. I have tried for a few years to build this but always gave up because the mountain of learning app development was extremely daunting and I kept getting stuck. Now I'm just happy that I have something I can give to the world that I will use myself, and I hope others can use it too.

How I recommend people track their money:
* The best time to start tracking all your transactions was yesterday
* Ensure you have notifications every time you get paid, and for every single transaction that occurs on any of your credit/debit cards and bank accounts
* Every time a transaction occurs, track it as soon as possible. I'll usually be tracking my transaction in the checkout line to make sure I don't forget to do so
* Feel every monetary transaction so you don't get complacent with money

FAQ:

Q: How should I categorize an expense that may fit multiple categories?
A: Personally I'll just group things into whatever fits best, so I'll generally use "Groceries" for a Costco run, but if I'm buying more decorations or something I may log it as "Household". You can always manually enter multiple transactions for something you pay for. Things even out

Q: Can you add xyz way to visualize the data?
A: I made the csv export as painless as possible so people can use other better tools for visualizing their transactions.

Q: Can you add budgeting features?
A: Not currently planned but if enough people email me I might add it :)

Q: How can I support you?
A: Tip Jar :)

Email: alexpyginapps@gmail.com