Formation Money
Your complete wealth picture
About
Consolidate all your financial accounts and assets into a single, clear dashboard. Track net worth, investment performance, cash flow, and future plans with AI-powered insights. Securely manage your complete financial picture.
What's New in Formation Money
1.2.0
August 6, 2026
Your net worth on your home screen. The new widget shows where you stand without opening the app. Face ID app lock, and signing in no longer asks for an SMS code every time. AURA shows its work. Every card opens the math and the sources behind it. Redesigned throughout: clearer cards, real figures at the top of every page, and a privacy mode that hides balances when you are not alone. Also new since 1.0: - Transaction review and budgets - Search across your ledger and holdings - Plan inputs, equity compensation, and household, now on mobile - Capture statements and documents with your camera - Pull to refresh actually refreshes your accounts - Faster cold start Fixes: investment allocation no longer reports most holdings as unclassified, and accounts now flag a stale connection after 72 hours.
MoreSubscription plans
Formation Monthly
Full access to Formation, billed monthly.
FAQ
What is Formation Money?
Formation Money is a personal finance dashboard designed to consolidate all your financial accounts and assets into one clear view. It helps you track net worth, investment performance, cash flow, and plan for the future.
How much does Formation Money cost?
Formation Money is a subscription-based service. It offers a 7-day free trial, after which it costs $17.99 per month or $199.99 per year. Payment is charged to your Apple ID at the time of purchase.
Can I cancel my Formation Money subscription?
Yes, you can cancel your Formation Money subscription at any time. Cancellations must be made at least 24 hours before the end of the current billing period. You can manage or cancel your subscription in your App Store account settings.
What kind of security does Formation Money use?
Formation Money employs bank-level security measures, including two-factor sign-in. Your data is protected, and the app is not a registered investment adviser, meaning it does not manage or trade your assets.
How often is Formation Money updated?
Formation Money was last updated on August 6, 2026, with version 1.2.0. The app is released on July 27, 2026, indicating a recent release and potential for regular updates.
What devices does Formation Money support?
Formation Money is currently supported on iPhone. The app is designed for mobile use on Apple's iPhone devices.
Does Formation Money offer investment advice?
No, Formation Money's AI, AURA, is built for education and providing plain answers based on your data, not for offering personalized investment advice. It does not manage or trade your assets.
How does Formation Money handle account connections?
You can connect your financial accounts securely through Plaid. Additionally, you have the option to add any accounts or assets manually if they are not supported by Plaid or if you prefer manual entry.