# Formation Money — Your complete wealth picture > Personal finance dashboard for complex wealth management and financial planning. (iPhone/iPad app by Bradley Porter.) - Source: https://appshunter.io/ios/app/formation-money/id6791265946 (this page in markdown: same URL + `.md`) - Developer: [Bradley Porter](https://appshunter.io/developer/6791265948) - Category: Finance - Price: Free with in-app purchases - Rating: 5.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 16.4 · 60 MB - Languages: American English - Released: 2026-07-27 - Data updated: 2026-08-27 - Monetization: subscription - User reviews in markdown: https://appshunter.io/ios/app/formation-money/id6791265946/reviews.md ## What is Formation Money? Formation is the personal finance dashboard for people who run their own money. If your financial life has outgrown a spreadsheet — multiple custodians, a trust or LLC, equity compensation, real estate, private funds — Formation brings it all into one clear, honest picture, organized the way your wealth is actually structured. WHAT YOU CAN SEE • Net worth across every account, entity, and asset class, updated as balances sync • Investment performance with true time-weighted returns and benchmark comparison • Cash flow: income, spending, and savings rate, categorized automatically • Real estate, equity compensation, and private holdings alongside your liquid accounts • A complete plan view: long-term projections, goals, insurance, estate, and a document vault MEET AURA AURA is Formation's proprietary AI, built for education, not advice. It turns a complex financial life into plain answers, and every figure it shows is cited back to its source — sourced from a statement, computed from your data, or clearly labeled as an estimate. AURA gives no personalized investment advice and never moves your money. BUILT FOR PRIVACY AND CONTROL • Bank-level security with two-factor sign-in built in • Your data is yours. Formation is not a registered investment adviser and does not manage or trade your assets • Connect accounts securely through Plaid, or add anything manually See your wealth. Shape your future. ——— Formation is a subscription. Start with a 7-day free trial, then $17.99/month or $199.99/year. Payment is charged to your Apple ID at confirmation of purchase. Your subscription renews automatically unless canceled at least 24 hours before the end of the current period; your account is charged for renewal within 24 hours prior to the end of the period. Manage or cancel your subscription in your App Store account settings after purchase. Terms of Use: https://formationmoney.com/terms Privacy Policy: https://formationmoney.com/privacy ## Key features - Consolidated net worth tracking - Investment performance analysis - Automated cash flow categorization - Real estate and private holdings management - Long-term financial projections - AI-powered financial insights (AURA) - Bank-level security ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Formation Monthly | $17.99 | per month | | Formation Annual | $199.99 | per year | ## Frequently asked questions about Formation Money ### 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. ## Version history (last 2 releases) ### 1.2.0 — 2026-08-06 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. ### 1.0 — 2026-07-27 No release notes. --- *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 2026-08-27.*