Cetus : Dex V2

Cetus is a complete personal finance tracker that runs on your device. No account, no sign-up, no bank connection. Your financial data is encrypted on your iPhone and iPad and is never uploaded. EVERYTHING IN ONE PLACE • Accounts for checking, savings, cash, credit cards, investments and loans, with balances, credit limits and utilisation • Income, expenses and transfers with merchant, category, tags, notes and photo receipts • Net worth tracked over time, split into assets and liabilities • Custom categories and subcategories with your own colours and icons BUDGETS THAT KEEP UP • Weekly, monthly or yearly budgets across any set of categories • Per-category monthly limits with live progress • Recurring bills, subscriptions and income on daily to yearly schedules, with a monthly-equivalent total • A financial calendar of what is coming up GOALS AND DEBTS • Savings goals with target amounts, target dates and planned monthly contributions • An estimate of how many months each goal will take at your current rate • Debt tracking for credit cards, mortgages, student, auto and personal loans • APR, minimum payment, monthly interest and an estimated payoff horizon REPORTS AND INSIGHTS • Income versus expenses over 3, 6 or 12 months • Spending by category, top merchants and month-over-month comparisons • A financial health score out of 100, built from your savings rate, net worth, emergency buffer, debt load and budget adherence • Automatic insights that flag rising spending, a strong savings rate or budgets running over PRIVATE BY DESIGN • All data encrypted at rest with AES-GCM, with the key held in the iOS Keychain • App Lock using Face ID, Touch ID or your device passcode • Privacy Mode hides every amount at a glance • Export your data to a portable backup file and restore it on any device • Erase everything from the device in a single step MADE FOR iPHONE AND iPAD • Built with SwiftUI and Swift Charts • Dark-first monochrome design with selectable accent colours, plus light and system themes • Eight currencies: USD, EUR, GBP, CHF, CAD, JPY, AUD and CNY Cetus does not connect to your bank, does not ask for personal details and contains no advertising or tracking.