Private personal finance app for iPhone and iPad

Money, minus
the stress.

Spending, budgets and investments in one calm place. Apple Pay purchases are added automatically, and your data stays private on your device.

QR code that opens calmfinance on the App Store

Point your iPhone camera here

calmfinance transactions list screenshot in an iPhone frame

calmfinance expense insights screenshot in an iPhone frame

Turn spending into a quick monthly read.

See where the month is going at a glance. Compare each category with a usual month, and tap any total to see the transactions behind it.

calmfinance yearly net balance screenshot in an iPhone frame

calmfinance category spending comparison screenshot in an iPhone frame

Your money stays your business.

Your finances live on your device. There’s no account to create and nothing tracking you, and nobody but you can see your data.

Stored on your deviceOptional iCloud Sync runs through your own private iCloud.
No tracking, no accountNo sign-up, no ads and no analytics following you around.
Encrypted iCloud backupsEncrypted before they’re stored, with the key in your iCloud Keychain.
Only you have accessNot calmfinance, not an AI service, not anyone else.

A budget that fits the way you spend.

Set a limit for the week, month or year, split it by category if you like, and see at a glance whether you’re on track or spending too fast. Goals show how close you are to what you’re saving for.

calmfinance goals and budgets screenshot in an iPhone frame

Know what’s safe before you spend.

Forecast projects your balance over the next 30 days from the bills and income it spots and your usual everyday spending. What’s left is safe to spend.

Safe to spendUSD 6,689

Balance: USD 7,380
Bills: −USD 204
Everyday spending: −USD 487

Pro

calmfinance forecast screenshot in an iPhone frame

Every investment, one portfolio.

Keep stocks and funds, REITs, crypto, bonds, deposits and real estate next to the rest of your money. Track market value and cost basis, review allocation and record dividends, without turning the app into a trading terminal.

Pro

calmfinance brokerage holdings screenshot in an iPhone frame

calmfinance investment overview screenshot in an iPhone frame

Small things that keep it calm.

Logged automaticallyPro

With Pro on iPhone, Apple Pay purchases are added the moment you tap. On iOS 27 or later, your bank app’s notifications can add online payments, transfers and income too.

Home Screen widgets

This Month, Quick Add, Account Balance, Budget and Goal.

Just say it

Speech is recognized on your device, and the form opens pre-filled for you to check. On iOS 26 or later.

Any currency

Every account keeps its own currency. Totals and summaries convert to your main one.

Your categories

Build income and expense categories with subcategories, give each its own icon and color, and drag them into your order.

Passcode & Face ID

The app locks when you leave it and opens again with your passcode or Face ID.

A fair price, with no subscription required.

Everyday tracking is free. Get Pro monthly, or pay once and keep it for good.

Free

$0forever

Free to download, with no time limit

Track spending and income
Insights and charts
Budgets and goals

Pro

$1.99a month

Free 14-day trial for new subscribers

$29.99once

Pay once, keep Pro for good

No subscription

Everything in Free
Unlimited accounts
Cashflow forecast
Investment tracking
iCloud sync across devices
Apple Pay automation

Prices in US dollars. The App Store shows the price in your currency.

Take a calm look at your money.