# Finjective > Personal finance app for tracking, budgeting, and AI-driven financial insights. (iPhone/iPad app by Finjective LLC.) - Source: https://appshunter.io/ios/app/finjective/id6765818676 (this page in markdown: same URL + `.md`) - Developer: [Finjective LLC](https://appshunter.io/developer/1820007286) - Category: Finance - Price: Free - Rating: 5.00/5 from 3 App Store ratings - Age rating: 4+ - Requires: iOS 15.0 · 5 MB - Languages: American English - Released: 2026-05-12 - Data updated: 2026-08-28 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/finjective/id6765818676/reviews.md ## What is Finjective? Finance tools made for everyone. Finjective is a calm, private way to see and plan your money. No bank connections - just clarity that stays yours. PRIVATE BY DESIGN Most budgeting apps ask for your bank credentials and quietly trade on your data. Finjective doesn't. There's nothing to leak, because there's nothing to take. You add what matters — quickly, on your terms — and your financial life stays yours. FOUR WAYS TO SEE CLEARLY Budget: Give every dollar a job before the month begins. Watch your spending against last month's pace and always know what's safe to spend. Cash Flow: Watch what's coming in and going out over time, so a tight week never surprises you. Net Worth: Bring accounts, assets, and balances into one honest number and watch it grow. Learn: Eleven finance calculators and an AI assistant, so you can run the numbers yourself instead of guessing. MEET FINNY, YOUR AI ASSISTANT Finny can see your budget, spending, and net worth — ask it anything. Am I on track to retire? Pay off debt or invest? How much should I save? Get thoughtful answers grounded in your actual numbers, not generic advice. ELEVEN FINANCE CALCULATORS BUILT IN The tools a finance pro reaches for, redesigned for your thumb: Time Value of Money, Retirement Planning, Loan Payment, Bond Valuation, Stock Valuation, CAPM, WACC, Effective Annual Rate, Growth & CAGR, Risk & Return, and an everyday calculator. Tap any variable to solve for it. Find out what a credit card at 24% APR actually costs once it compounds daily. Paste a column of returns and get beta, Sharpe, Treynor, and Jensen's alpha in one screen. See how much of a loan payment is interest instead of principal. Every calculator explains the math behind it, so you learn the reasoning, not just the answer. WHY PEOPLE CHOOSE FINJECTIVE No bank logins, no Plaid, no account scraping — ever Your data is never sold, shared, or mined for ads Fast, thoughtful manual entry that takes seconds, not spreadsheets Light and dark themes, designed for focus Built by people who believe privacy and clarity belong together Track. Plan. Grow. Download Finjective and keep your financial life your own. ## Key features - AI financial assistant - Budget tracking - Net worth monitoring - Cash flow visualization - Financial calculators - Data export (CSV/PDF) ## Frequently asked questions about Finjective ### What is Finjective? Finjective is a personal finance app designed to help users track income and expenses, monitor net worth, and plan cash flow. It features an AI assistant named Finny for financial queries. ### How secure is my data with Finjective? Finjective is designed for manual entry and does not connect to bank accounts. Your data is encrypted in transit and at rest, isolated to your account, and never sold or used for ads. ### Does Finjective have ads? No, Finjective does not contain advertisements. The app is free and does not display any ads to users. ### What devices does Finjective support? Finjective is available on iPhone, iPad, and iPod devices. It is designed to provide a seamless experience across Apple's mobile ecosystem. ### Can I export my data from Finjective? Yes, Finjective allows you to export your financial data in CSV or PDF formats. This ensures you can easily access and back up your information. ### What financial calculators are available in Finjective? Finjective includes pro-grade financial calculators for planning retirement, savings goals, bonds, and more. These tools help users make informed financial decisions. ### How often is Finjective updated? The latest version of Finjective is 1.3, last updated on June 13, 2026. Updates aim to improve features and user experience. ### What is the age rating for Finjective? Finjective has an age rating of 4+, making it suitable for a wide range of users. The app's content is appropriate for young users and adults alike. ## Version history (last 5 releases) ### 1.6 — 2026-08-18 Four new calculators and a redesign for all eleven. NEW CALCULATORS Risk & Return — paste a column of returns and get beta, Sharpe, Treynor, and Jensen's alpha Growth & CAGR — compound growth from any value history, with a shortcut into Stock Valuation Effective Annual Rate — what a rate actually costs once compounding is applied A built-in everyday calculator, so you never have to leave the app to add something up REDESIGNED CALCULATORS Every calculator now has raised, tappable keys and a clearer layout. Retirement and Loan Payment charts have proper dollar and year axes. Loan Payment gained an ending balance for balloon loans, plus an amortization summary showing interest and principal over any range of payments. A CLEARER BUDGET The chart now shows what you've spent as the month goes on, with last month's line alongside for comparison, and tells you what you're on track to save. EXPLORE BEFORE YOU SIGN UP Guest mode now opens the whole app with sample data, so you can look around and use every calculator before creating an account. ### 1.5 — 2026-07-14 Seven finance calculators, one clean toolkit. TVM, Retirement Planning, Loan Payment, Bond Valuation, Stock Valuation, CAPM, and WACC — redesigned from the ground up with tap-to-solve variables, interactive charts, and a menu you can reorder to fit how you work. Ask Finny about the numbers. Finny now sits right beside the calculators — switch between Calculate and Ask Finny (AI) to reason through any decision with your own data. A smoother start. New sign-ups get a clear "check your inbox" step, a resend option, and beautifully redesigned emails from start to finish. Plus stability improvements and bug fixes throughout. ### 1.3 — 2026-06-13 Meet Finny — your AI financial assistant. Ask about your budget, spending, or net worth and get answers based on your actual numbers. Plus: smarter Cash Flow filters, improved calculators, a refreshed look, and many fixes and improvements. ### 1.2 — 2026-05-30 New financial calculators: a full TVM solver, bond and stock valuation, and retirement planning tools. Plus interface refinements across the app. ### 1.1 — 2026-05-18 - Improved Profile page with member info and photo - Fixed budget transaction display - Added feedback and welcome emails - Export data as Excel with multiple sheets - Cash Flow chart improvements - Various bug fixes and improvements --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-28.*