# Pefi: Private Vault — Know Where Your Money Goes

> Know Where Your Money Goes (iPhone/iPad app by Edward Sithole.)

- Source: https://appshunter.io/ios/app/pefi-private-vault/id6759491941 (this page in markdown: same URL + `.md`)
- Developer: [Edward Sithole](https://appshunter.io/developer/1875595270)
- Category: Productivity, Finance
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 15.5 · 65 MB
- Languages: American English
- Released: 2026-05-06
- Data updated: 2026-06-03
- User reviews in markdown: https://appshunter.io/ios/app/pefi-private-vault/id6759491941/reviews.md

## What is Pefi?

Pefi is a personal finance app built around one idea: you should understand your money, not just move it around.

It covers the full picture — daily spending, long-term assets, trading performance, risk management, and financial goals — without connecting to your bank or sending your data anywhere.

FREE TRIAL & SUBSCRIPTION
Pefi offers a 3-day free trial with full access to all features. After the trial, a Premium subscription is required to continue using the app.

• Monthly: $6.99/month
• Yearly: $69.99/year (save 17%)

Subscriptions auto-renew unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in your App Store account settings. No charges during the free trial.

WHAT’S INCLUDED WITH PREMIUM

DASHBOARD 
A real-time snapshot of your financial health: income vs expenses, savings rate, net worth, and a health score that reflects how your numbers are trending. Everything in one place when you open the app.

TRANSACTIONS 
Log income and expenses by category. Set up recurring transactions. Filter by date, type, or category. The history stays clean, searchable, and sorted how you want it.

BUDGETS 
Set monthly, quarterly, or yearly spending limits per category. Get alerted when you're approaching or over your limit. See exactly where you're overspending before the month ends.

ASSETS & NET WORTH 
Track every asset you own — bank accounts, crypto wallets, stocks, real estate, vehicles, cash, commodities, bonds, retirement accounts, and loans. Pefi calculates your total net worth and shows the breakdown by category.

GOALS 
Set financial goals with target amounts and deadlines. Track progress manually and see how close you are across all your goals at once.

TRADE JOURNAL 
Log trades across forex, crypto, stocks, and commodities. Record entry, exit, position size, fees, leverage, and outcome. See your win rate, total P&L, and performance history over any period.

RISK MANAGEMENT 
Define a risk profile based on your account balance and tolerance. Run scenarios to model what different win rates, risk per trade, and reward ratios would mean for your portfolio before you commit to a strategy.

REPORTS 
Generate monthly, quarterly, or yearly reports covering income, expenses, asset allocation, budget performance, goal progress, and trading results. Export as PDF or XLSX.

BACKUP & RESTORE 
Export all your data to a local file — encrypted for same-device use, or unencrypted for moving to another device. No account needed, no cloud dependency.

PRIVACY BY DEFAULT
All data is stored on your device using local storage. No bank connections. No third-party data sharing. No analytics. Biometric lock protects your app on open.

THEMES
Light, dark, or system-adaptive. Your choice.

Pefi is for people who want honest visibility into their money — not a dashboard that glosses over the details.

Terms of Use (EULA): https://www.mcjohnson.website/pages/legal/pefi/terms.html

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Premium Monthly | $6.99 | per month |
| Premium Yearly | $69.99 | per year |



## Version history (last 1 release)

### 1.0 — 2026-05-06

No release notes.

## Related topics

[pefi](https://appshunter.io/ios/topics/pefi) · [pefis](https://appshunter.io/ios/topics/pefis)

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*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 2026-06-03.*