This app is amazing!!!!
Literally all I could ask for. Simple, no login, gets what I want done. One thing I would wish was added is sinking fund tracking and a better way to add shared expenses so that I don’t have to pick a bank row
Free
About
A private personal finance app that securely manages your financial data directly on your device. It automatically categorizes transactions, tracks net worth, and identifies subscriptions without sending your information to any servers.
✓On-device data processing
✓Automated transaction categorization
✓Net worth tracking
✓Subscription identification
✓Customizable rules for categorization
✓Data export to CSV/JSON
✓Optional Face ID/Touch ID lock
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What's New in Cairn Finance
1.6.0
October 29, 2026
New UI
User reviews
FAQ
What is Cairn Finance?
Cairn Finance is a private personal finance application designed for iPhone, iPad, and Mac. It focuses on keeping all your financial data processed and stored directly on your device, ensuring maximum privacy.
How does Cairn Finance handle my bank accounts?
Cairn Finance connects to your bank accounts through SimpleFIN, a separate paid service. It reads your transaction data in a read-only capacity and processes it entirely on your device, without sending it to any external servers.
Is Cairn Finance free to use?
Yes, Cairn Finance is free to download and use. There are no subscription fees, account fees, or service fees associated with the app itself. However, automatic bank synchronization requires a paid SimpleFIN Bridge account.
How secure is my financial data with Cairn Finance?
Cairn Finance is designed with privacy as a core principle. Your financial data is end-to-end encrypted in iCloud, and your SimpleFIN credentials are kept securely in your device's Keychain. It also offers optional Face ID/Touch ID app lock.
Can Cairn Finance move my money?
No, Cairn Finance cannot move your money. It is a read-only application that can identify transfers between your accounts but has no capability to initiate or execute financial transactions.
How often is Cairn Finance updated?
The latest version of Cairn Finance is 1.6.0, which was last updated on October 29, 2026. This indicates a recent update, suggesting active development and maintenance.
What devices does Cairn Finance support?
Cairn Finance is available for Mac, iPhone, and iPad devices, allowing you to manage your finances across your Apple ecosystem.
Does Cairn Finance have ads?
No, Cairn Finance does not contain advertisements. The app is designed to be ad-free, with no advertising or third-party runtime SDKs included.
