FinTabi

FinTabi — "Fin" for finance, "Tabi" from the Japanese word for journey — is built to support your retirement financial journey, guided by one principle: your financial data belongs to you, and only you. Everything you enter — accounts, transactions, budgets, investments — is stored exclusively on your device and in your personal iCloud. There are no servers, no analytics, and no way for anyone else to see your data. We are technically incapable of it. No ads, no data sales, no tracking. Ever. Even the smart features run on on-device AI models. Statement parsing, transaction categorization — all of it happens locally. Your data is never sent off your device for processing, period. SUBSCRIPTION FinTabi is free to use for your first 30 days — every feature, no payment details required. After that, continuing requires an auto-renewing subscription of $0.99 per month, purchased in the app. Payment is charged to your Apple Account and renews automatically at $0.99/month until cancelled. Cancel anytime in your Apple Account settings. Because there's no infrastructure behind it, that $0.99/month is a fraction of what other finance apps charge. INCLUDED IN YOUR SUBSCRIPTION YOUR DATA, YOUR CONTROL • No account to create, no sign-in, no backend of ours — your financial data never leaves your devices • AI features use on-device models exclusively — no data is ever sent off your device • Market quotes are fetched by ticker symbol only; nothing about your holdings is sent • iCloud sync uses Apple's private database: encrypted, accessible only to you • Delete the app and your data stays in your iCloud, under your control PLAN YOUR FUTURE, NOT JUST YOUR MONTH • One of the most comprehensive retirement modeling tools you'll find. • The Roadmap models three side-by-side scenarios: where you are, your near-term goal, and your stretch goal • A 10-year projection compounds each scenario forward — see what today's choices are really worth • The Vision Board keeps your financial targets and personal intentions front and center TRANSACTIONS WITHOUT THE BUSYWORK • Import bank and credit card statements as OFX/QFX, CSV, or PDF — parsed by on-device AI, never uploaded anywhere • Automatic balance validation confirms every transaction was captured correctly • Smart categorization learns your merchants and gets more accurate with every import — all processed locally • Search, filter, sort, and catch duplicate imports with one tap BUDGETS GROUNDED IN REALITY • See your actual spending history and monthly averages before you set a single limit • Set monthly or annual budgets per category, with progress bars that keep you honest • Drill from any category straight into the transactions behind the numbers INVESTMENTS AT A GLANCE • Track stocks, ETFs, options contracts, and cash across brokerage and retirement accounts • Prices refresh automatically (15-minute delayed quotes) • See unrealized gains and losses per holding, per account, and across your whole portfolio WHY NO BANK SYNC? FinTabi is built and maintained by a single developer. Bank-connection services charge ongoing fees for every synced account — fees that alone would far exceed the app's $0.99/month subscription. Importing a statement takes a few extra taps, but it keeps FinTabi affordable for the people who need it most, and it means your bank credentials are never shared with anyone. FinTabi is a tool for your own financial clarity. If you've been looking for a finance app that respects your privacy, your intelligence, and your wallet, this is it.