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Know where your money goes

A fast, native Mac app for income and spending. Coming soon to iPhone. Your data stays on your Mac and in your private iCloud.

Download on the Mac App Store
  • Free
  • macOS 26 or later
  • English and Ukrainian
  • No account needed

Or download the Mac app directly · version 1.2 (27).

The Overview window of Finance in September 2026: net worth $48,215.40, income $6,850.00, spent $2,852.34, a red spending line that ends above last month’s dashed line, recent transactions and spending by category.
The Overview screen of Finance on an iPhone: net worth $48,215.40, income, spent and a spending chart against last month.

The highlights.

  • Written down in seconds.

    The New Transaction sheet on the Mac: $15.5 typed as 12.50+3, in Food, Eating Out, Restaurants, Lunch, paid from Everyday Checking.
    New Expense on the iPhone: 12.50+3 typed on the app’s own keypad, which makes $15.50, in Food, Eating Out, Coffee; the keys type it again.

  • Red when you spend more than last time. Green when less.

    The Spending card: this month’s red line ends above last month’s dashed line; $2,852.34 this month, $2,665.42 on August 1–24, a change of +7%.

  • Coming soon to iPhone

    Touch a chart to read each day.

    The Spending chart on the iPhone under a finger, close up: September 17 — $2,242.58 this month, $2,334.12 last month.
    The Overview screen of Finance on an iPhone: net worth $48,215.40, income, spent and a spending chart against last month.

  • Categories up to four levels deep.

    Manage Categories on the Mac, close up: Food among the primary categories, and Groceries and Eating Out inside it.

  • The balance after each transaction.

    Transactions on the Mac, close up — Today and Yesterday: Supermarket $84.12 with $8,240.18 left in Everyday Checking, Coffee $6.50, Freelance $650.00 in green.

  • Hide balances with one shortcut.

    The Overview window on the Mac while balances are hidden and shown again: Net Worth turns into dots and back.

Type an amount, pick a category, and it’s written down. Then see your net worth, income and spending for any period — next to the same days of the period before.

Write it down. See it add up.

The Mac app while a transaction is written down: ⌘N, the amount typed as 12.50+3, a category picked, Return, and the row in the list.
The Transactions window: a list by day — Today, Yesterday, Tuesday — each row with its category, account, amount and the balance after it; income in green, spending in red.
The Overview window on the Mac while the period is stepped back: the numbers roll and the chart changes.
The Mac app while a category is opened from Overview: its spending by day and what is inside.
The Accounts window: accounts by kind, Everyday Checking selected — its balance chart, lowest and average balance, money in and out.
New Expense on the iPhone: 12.50+3 typed on the app’s own keypad, which makes $15.50, in Food, Eating Out, Coffee; the keys type it again.
The same list on the iPhone: Today, Yesterday, each row with its category, account, amount and the balance after it.
The Overview screen of Finance on an iPhone: net worth $48,215.40, income, spent and a spending chart against last month.
The Food category on the iPhone: $390.65 in September, the same chart of daily spending, and what is inside — Groceries and Eating Out.
Accounts on the iPhone, by kind: Everyday Checking $8,240.18 under Bank, Cash, Savings, Credit Card and Brokerage.
The Transactions window on the Mac under the New Transaction sheet: $15.5 typed as 12.50+3, in Food, Eating Out, Restaurants, Lunch.
New Expense on the iPhone: 12.50+3 typed on the app’s own keypad, which makes $15.50, in Food, Eating Out, Coffee; the keys type it again.

Written down in seconds

Type the amount — 12.50+3 works — and pick a category. On the Mac, ⌘N opens a new transaction from anywhere; on the iPhone, the keys are under your thumb.

The Transactions window: a list by day — Today, Yesterday, Tuesday — each row with its category, account, amount and the balance after it; income in green, spending in red.
The same list on the iPhone: Today, Yesterday, each row with its category, account, amount and the balance after it.

Every transaction, day by day

Expenses, income and transfers, with the balance after each. Add notes, tags, receipts and a person from Contacts. On the Mac, every change can be undone.

The Overview window of Finance in September 2026: net worth $48,215.40, income $6,850.00, spent $2,852.34, a red spending line that ends above last month’s dashed line, recent transactions and spending by category.
The Overview screen of Finance on an iPhone: net worth $48,215.40, income, spent and a spending chart against last month.

See where you stand

Net worth, income and spending for any period, next to the same days of the period before. The chart turns red when you spend more than last time, green when you spend less.

The Categories window: Food selected — $390.65 in September, 10% less than the same days of August, and a chart of daily spending.
The Food category on the iPhone: $390.65 in September, the same chart of daily spending, and what is inside — Groceries and Eating Out.

Categories the way you think

Up to four levels, each with a color and an emoji, a symbol or your own picture. Spending by day, week or month, its share of the total and a comparison with the period before.

The Accounts window: accounts by kind, Everyday Checking selected — its balance chart, lowest and average balance, money in and out.
Accounts on the iPhone, by kind: Everyday Checking $8,240.18 under Bank, Cash, Savings, Credit Card and Brokerage.

Accounts and currencies

Cash, bank accounts, credit cards, savings, investments and loans, each in its own currency. Totals in your main currency, at the official rates of the National Bank of Ukraine for the currencies it publishes.

Overview, up close

  1. Where you stand, in three numbers

    Net worth, income and spending for the period, each beside the same days before.

  2. This month against last

    The chart turns red when you spend more than last time, green when you spend less.

  3. Where it went

    Every category’s share of what you spent. Click one to see every transaction behind the number.

The Net Worth card: $48,215.40, up $3,997.66 (9.0%) since August 31.
The Income card: $6,850.00 in 2 payments, against $6,200.00 in the same days before.
The Spent card: $2,852.34, 7% more than in the same days before.
The Spending card: this month’s red line ends above last month’s dashed line; $2,852.34 this month, $2,665.42 on August 1–24, a change of +7%.
The Recent Transactions card: Fresh Fields, Harbor Coffee, Corner Store, City Cab and a freelance payment.
The Spending by Category card: a ring of the categories’ shares around $2,852.34, and the list from Home, $1,400.00, to Fun, $128.14.

Coming soon to iPhone

A keyboard of its own

  1. It does the arithmetic

    Type 12.50+3 and the sum stands under it: $15.50.

  2. Recent categories, above the keys

    The categories you used lately sit above the keys, and search finds any other as you type.

  3. Category, account and date, a tap away

    They are on buttons beside the keys, under your thumb.

New Expense on the iPhone: $12.50+3 with = $15.50 under it, in Food, Eating Out, Coffee, paid from Everyday Checking; the categories used lately — Supermarket, Coffee, Taxi, Series — above a keypad with the arithmetic keys, and buttons for the category, the account and the date beside it.

One ledger, two devices

Your Mac and your iPhone show the same ledger through your private iCloud. Finance for iPhone is on its way to the App Store.

The Mac app while a transaction is written down: ⌘N, the amount typed as 12.50+3, a category picked, Return, and the row in the list.
The same list on the iPhone: Today, Yesterday, each row with its category, account, amount and the balance after it.Transactions on the iPhone with the same Coffee, $15.50, in today’s list.

Private by design

  • No sign-up. No ads. No tracking.
  • No Finance servers. No account to create.
  • Your data lives on your Mac and in your private iCloud. The developer can’t read it.

More on the Mac

  • The toolbar with rolling periods: Last 30 Days, August 26 – September 24, and 7D, 30D, 90D, 6M, 1Y, MAX.
    Settings, Periods: Rolling or Calendar, and the default period.

    Rolling periods

    The last 7, 30 or 90 days, 6 months or a year, ending today. Calendar periods stay a choice in Settings.

  • The Overview window on the Mac while balances are hidden and shown again: Net Worth turns into dots and back.

    Hide balances

    When someone can see your screen, one switch turns what your accounts hold into dots — ⇧⌘B on the Mac.

  • Balance History of an account: three balance changes with what each adjusted, and the opening balance.

    Balance History

    Every balance change of an account, with what it adjusted. Fix its day or amount, or delete it.

  • Accounts grouped by kind: Bank, Cash, Savings, Credit, Investments.

    Accounts by kind

    Bank, Cash, Savings, Credit and Investments, each in a group of its own.

  • Overview with one account in a currency without an exchange rate: under Net Worth, 1 account not counted; under Income and Spent, the transactions not counted.

    Totals you can trust

    A currency without an exchange rate is left out and marked, not counted one to one.

  • The first lines of the CSV file that Export Transactions writes.

    Backup and CSV

    Back up everything to a folder you choose. Export transactions as CSV.

  • The Transactions window with “coffee” typed in the sidebar’s search field: the list is already four rows.

    Instant search

    Across notes, categories, accounts, people and amounts.

  • The Net Worth card: $48,215.40, up $3,997.66 (9.0%) since August 31.
    Картка «Чисті активи»: 48 215,40 $ і зміна з 31 серпня.

    English and Ukrainian

    A native interface in light and dark.

The Finance icon: green and red bars of a cash-flow chart over a thin dashed line, on a glass tile.

Know where your money goes

Download on the Mac App Store
  • Free
  • macOS 26 or later
  • English and Ukrainian
  • No account needed

Or download the Mac app directly · version 1.2 (27).