# Simple Finance: Budget Planner — Expense Tracker & Net Worth > Comprehensive personal finance, business management, and retirement planning app with no account creation. (iPhone/iPad app by Aaron Schmitz.) - Source: https://appshunter.io/ios/app/simple-finance-budget-planner/id6777039726 (this page in markdown: same URL + `.md`) - Developer: [Aaron Schmitz](https://appshunter.io/developer/6777039728) - Category: Finance, Productivity - Price: Free - Rating: 5.00/5 from 4 App Store ratings · 4 written reviews indexed - Age rating: 4+ - Requires: iOS 18.0 · 189 MB - Languages: American English - Released: 2026-06-16 - Data updated: 2026-09-05 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/simple-finance-budget-planner/id6777039726/reviews.md ## What is Simple Finance? Your whole financial life in one calm place — budgets, net worth, investments and a full retirement plan. No account to create. No bank logins. No tracking, no analytics, nothing sold. BUDGETS THAT FIT YOUR ACTUAL MONTH • Rings or bars, monthly or annual, with rollover and per-month overrides • Fast entry — scan a receipt, split a transaction, and let recurring bills post themselves • Cover an overspend from another category in one tap, and keep the history of it • A spend curve that knows rent lands on the 1st, so "over pace" means something • Import from a spreadsheet, CSV or OFX/QFX — or just copy the rows and paste SHARE WITH YOUR PARTNER, FAMILY AND FRIENDS • Partner: full two-way sync — you both see and edit the same accounts, transactions, budgets and goals • Moving in together? Combine your finances in one pass — choose which accounts are shared, and decide which budget to keep where you both tracked the same category. • Family: a read-only summary you control per person — net worth, income, accounts, investments, goals, bills, a six-month trend, or only the categories you pick • Friends: compare just the numbers you choose — savings rate, budget used, no-spend days, or who has the lowest utility bill • Keep anything private: a category, an account, a goal, a single transaction • It all runs through your own iCloud. Nothing is ever on our servers. NET WORTH, TRACKED PROPERLY • Accounts, investments, crypto, vehicles, real estate and mortgages in one number • History you can scrub, asset allocation, and year-over-year comparisons • Snapshots, so you can see where you were and not only where you are STOCKS AND CRYPTO • Live prices and charts you can scrub, from one day to all time, with key statistics and dividends • Today's move on every row, split at the previous close — plus pre-market and after-hours • Tax lots, cost basis, dividends, and a watchlist for what you don't own yet • See your portfolio against the S&P 500, the Dow and the NASDAQ PLAN YOUR RETIREMENT — BUILT IN A private, full-featured retirement planner. No spreadsheet, no advisor login. • Will your money last for life? See your odds across 500 market simulations and a century of real history — 1929, 1966, 2000 and every year since. • Find your earliest safe retirement age, then model Social Security timing, Roth conversions, RMDs, pensions, rental income, healthcare and one-time life events. • Plan as a couple, kept separate until you combine finances. • Year-by-year projections in today's dollars, plus a multi-page report you can share. MEET FIN — YOUR PRIVATE AI MONEY ASSISTANT Fin answers questions about your money using Apple Intelligence, entirely on your device. Ask "am I on track this month?", "what bills are due soon?", or "how much will I have in 20 years at 7%?" — Fin computes exact answers from your real numbers and can chart them. Nothing you ask ever leaves your phone. ON EVERY DEVICE YOU OWN iPhone, iPad, Apple Watch and a real native Mac app — not a phone app in a window. Your own iCloud keeps them in step, with Home Screen and Lock Screen widgets and a watch complication. STUCK? ASK. A help centre with hundreds of answers, and a way to reach a real person without leaving the app. Replies come back inside the app. PRIVATE BY DESIGN • No sign-up, no bank linking, no analytics, no third-party SDKs • Face ID app lock, blur-on-demand, and an app-switcher privacy shield • Demo Mode: show the app to anyone with sample data — your real finances stay hidden • Full JSON backups you own, plus optional weekly iCloud Drive auto-backup RUN A BUSINESS TOO? Clients, jobs, estimates and invoices, a work timer, mileage, crew hours and a Schedule C summary at tax time — kept completely apart from your personal money, with one switch to change which you're looking at. Simple Finance doesn't track you, and never sells or shares your data. See our privacy policy — it's short, because there's so little to disclose. ## Key features - Budgeting with rings or bars - Fast transaction entry with receipt scanning - Net worth tracking with investments and crypto - Business tools: clients, invoices, timers - Integrated retirement planner - Private AI money assistant (Fin) - Household sharing and syncing ## Recent user reviews (4 of 4) All indexed reviews: https://appshunter.io/ios/app/simple-finance-budget-planner/id6777039726/reviews.md ### 5/5 — Great Financial App *2026-08-26* A great app if you want to have all your financial information in one place. One can easily track your spending, income,savings, loan balances, budgeting, retirement savings and more. Give it a try. ### 5/5 — Helps you see spending clearly! *2026-08-20* I’ve found this app especially useful for keeping the business side of my finances organized. It gives me a clear picture of income, spending, cash flow, and where everything stands without making me dig through a bunch of unnecessary features. The personal budgeting and other tools are great too. It’s simple, clean, and has pretty much exactly what I need without a lot of extra stuff getting in the way. ### 5/5 — Outstanding budgeting and forecasting tool *2026-08-17* This app is very easy to use and so informative. It will help me with budgeting and meeting financial goals for the future. I like the extras like pet expenses too. Very well thought out app. ### 5/5 — Great app *2026-07-30* Saved me a quick $500/month! ## Frequently asked questions about Simple Finance ### Does Simple Finance have ads? No, Simple Finance is ad-free. The application explicitly states it does not use third-party SDKs and is private by design, ensuring no advertisements interfere with your experience. ### What is the pricing for Simple Finance? Simple Finance is currently free for life if downloaded now, with a paid plan coming for new users. Users who download before the paid plan is introduced will retain all features for free permanently. ### What devices does Simple Finance support? Simple Finance is available on iPhone, iPad, Apple Watch, and a native Mac app. Your data is kept in sync across all your Apple devices via iCloud. ### How secure is Simple Finance? Simple Finance prioritizes privacy with no account creation, bank linking, or data collection. It offers Face ID app lock and blur-on-demand features for enhanced security. ### Can I import my financial data into Simple Finance? Yes, you can import your financial data from a spreadsheet, CSV, or OFX/QFX file. You can also simply copy and paste rows of data directly into the app. ### How often is Simple Finance updated? The latest version is 2.0, and it was last updated on August 11, 2026. This indicates a commitment to ongoing development and feature enhancements. ### What are the business features in Simple Finance? Simple Finance allows you to manage clients, jobs, estimates, and invoices. You can log work, track time with a built-in timer, manage standing charges, and generate a Schedule C summary for tax purposes. ### How does the retirement planner in Simple Finance work? The retirement planner simulates your financial future across 500 market scenarios and a century of historical data. It helps you find your earliest safe retirement age and model various financial inputs like Social Security, RMDs, and healthcare costs. ## Version history (last 5 releases) ### 2.5 — 2026-09-03 Three of the app's deepest screens were Mac-only. They're on your iPhone and iPad now. • Financial Health — one 0–100 score built from your emergency fund, savings rate, debt load and net worth, each with a plain-English next step and a link to the screen that improves it. • Cash Flow Forecast — projects your spendable balance 30–90 days out from your recurring bills and income, and shows the lowest point it will hit. • Asset Allocation — set a target mix, see the drift, and get the exact buy/sell amounts to rebalance. Everything scales with your text size. Every figure, label and caption on these screens — and across the app — now follows Settings → Display & Text Size, instead of staying fixed at the default. Credit cards are more than a balance now. Open one from Net Worth and you get its credit line and how much of it you're using, the APR and what carrying a balance costs you each month, the day your statement closes and the day payment is due, and this month's charges and payments on that card. Your statement balance is tracked separately from your current balance, because only one of them avoids interest. Payment reminders come with your bill reminders. Also in this release: • Credit cards are real accounts you can point money at, and a charge now increases what you owe instead of decreasing it. • The cash flow calendar shows what lands on a day when you tap it, and marks when card payments are due. • Bills and recurring items read correctly when a repeat lands twice in one window. • Messages you send from inside the app can be replied to, and the reply comes back in the app. • A large amount of layout work so nothing truncates: figures scale instead of being cut, and labels wrap instead of losing their words. ### 2.4 — 2026-08-28 Sharing with someone, done properly. • Combine your finances — one pass when you go full-share. Choose which accounts belong to the household, and decide the budget to keep where you both tracked the same category. • See who added what. Every shared transaction shows the person who added it, and the household split now has a column for each of you instead of one lump. • Keep things back. Hide a category, an account, a bill, an investment account, a mortgage, a retirement plan, a goal, or a single transaction. Anything you keep private is removed from their device on the next sync. • New to the app, but not to each other? If one of you has already entered years of history, you can now hand all of it across — and a month they already have is never counted twice. • Net-worth snapshots sync to your household. • Rename anyone in your household, and the name follows them onto every screen. ONE-TIME EXPENSES Saving for a wedding, a ring, a car? Plan it once and it stays out of your monthly budget — and you can log one you have already paid in a single save. REPORTS Report PDFs are real documents now, with selectable, searchable text instead of a picture of a screen. IMPORTING Spreadsheets (.xlsx) open directly, OFX files work on iPhone, and exports from European banks import at the right amounts. NOTIFICATIONS AND HAPTICS Bill reminders arrive spread out rather than a dozen in the same second, and the app is quieter — one buzz per action, and nothing announcing what is already on your screen. FIXES • Typing 4000 into an amount field could save $40.00. • The Budget tab left split transactions out of Spent, so it disagreed with Home, Trends and every report. • Charts no longer sit blank for a moment when a screen opens. • Mortgage interest showed "—" for people who really had paid it. • Faster taps and charts on Home, Budget and every drill-down. SOMEWHERE TO ASK • A help centre built into the app — 129 answers across 20 topics, 30 troubleshooting walk-throughs, and search that actually finds them. • Ask a question, report a problem or suggest an idea without leaving the app. • A real person answers, and the reply comes back inside the app under Help → Your messages. BILLS One screen for the month — what's paid, what's left, and every bill as a tile. Bills that repeat every two weeks now show every occurrence, not just the next one. INVESTMENTS A holding shows the share price with today's move beside it, the way a quote reads, and your position's value sits with the share count. IMPORTING AND RECONCILING • Pick the account before you import, not after — the picker leads the page now, and a new cash account tracks its balance from the start. • Set the account on hundreds of transactions at once, the same way you already set a category. • Filter transactions by account, so you can reconcile one account against its statement. NOW ON MORE IPHONES Simple Finance runs on iOS 18 and later. If the App Store told you your iPhone wasn't compatible, it is now. ### 2.3 — 2026-08-22 Sharper numbers, and a few refinements from real use. INVESTMENTS • Mutual funds pick up their new price as soon as the fund publishes it, rather than waiting on a price that never arrives during the day • A fund's move is measured against the right day • Today's totals count what actually moved today, so a fund's last price is never counted twice • The portfolio's 1D change now matches every other screen that quotes it SHARING • Access levels apply more reliably, including for someone who joined view-only • Stopping sharing with a person now covers everything you share with them • Leaving Demo Mode no longer leaves sample people on the Sharing screen APPLE WATCH • A bigger, easier target for the Stocks refresh button • Opening Stocks fetches fresh prices on its own ### 2.2 — 2026-08-21 Sharing, rebuilt — and finally safe to switch on. WHO SEES WHAT • Share different things with different people. A partner, family, a group of friends: each one only ever sees what you gave it. • Choose it line by line: net worth, income, the accounts behind it, investments, goals, bills, a six-month trend — or only the categories and bills you pick, one at a time. • Your business is never part of what you share. • Keep a category, an account, a goal or a single transaction private. Anything you make private is removed from their device, not just left out of the next update. • Tap anyone to see both sides at once — what they share with you, and what you share back. • Household or Mine on the Budget tab, so you can see your own spending against the household's budget. • Bills know who pays them, and the reminder says so. • Invites switch sync on by themselves, on both phones. • Give everyone a face: a Genmoji you made of them, an emoji, or a photo. FRIENDS — NEW • Compare only the numbers you choose: savings rate, budget used, no-spend days, net worth change, or real figures like income and the monthly total of any category. Lowest utility bill wins. • Every group has its own settings. Everything is off until you switch it on, and there is nothing behind those numbers to open. STOCKS • Charts you can scrub, from one day to all time, with key statistics and dividends. • A watchlist for tickers you don't own yet — search by company name when you don't know the symbol. • Every row draws today's move, split at the previous close. • Tax lots, extended-hours prices, and crypto charts with a cost basis. • Mutual funds say "at last NAV" instead of quoting a price they don't have. IPAD AND MAC • iPad's Stocks tab is built for the display: every account, holding, coin and watched ticker as its own card, with a chart big enough to read. • The Mac gains a business/personal switch, Friends, and attribution. APPLE WATCH • Stocks on your wrist: today's percent and what it moved, with sparklines and charts you can open. • Holdings of the same ticker across different accounts are one row, not three. • A refresh button for prices, and an option to blur your money while your wrist is down. WIDGETS • Lock Screen widgets, budget widgets that draw the rings, Control Centre controls, and a Live Activity for the work clock. • Log an expense from a widget without opening the app — and undo it. Demo Mode now shows all of this with live switches, so you can see exactly how sharing behaves before you ever turn it on. Plus dozens of corrections where two screens quoted different figures for the same thing, and a great deal of small polish. ### 2.1 — 2026-08-15 A polish release — the whole app has been gone through screen by screen, and it shows. SHARPER NUMBERS Every figure now agrees with every other one. Tap a total anywhere and the detail behind it adds up to exactly what you tapped, in whatever month, scope or view you're in. SAFER TAPS Anything that removes something now asks first — and tells you what it takes with it, so nothing disappears by surprise. FIN KNOWS MORE, AND CAN ACT Fin handles far more of what you ask, from net worth to what's due next. It can also do the thing it just suggested: cover an overspend, or take you straight to the right screen. A BETTER RETIREMENT PLANNER Plans built from your real accounts now treat 401(k) and Roth money correctly, and the projections, comparisons and reports all tell the same story. REFINED THROUGHOUT Cleaner layouts on iPad, easier editing for stocks and holdings, better receipt scanning, and a lot of small touches that make the app quicker to read and quieter to use. ## Apps similar to Simple Finance | App | Rating | Price | Category | | --- | --- | --- | --- | | [Saverino](https://appshunter.io/ios/app/saverino/id6470131398) | — | Free | Finance | | [Money - Financial Planning](https://appshunter.io/ios/app/money-financial-planning/id1190966640) | 3.3 (3) | Free | Finance | | [Money Manager - Budget Coach](https://appshunter.io/ios/app/money-manager-budget-coach/id6749898777) | 4.5 (2) | Free | Finance | | [Map My Money](https://appshunter.io/ios/app/map-my-money/id6758605068) | — | Free | Finance | | [Money Log: Expense & Budget](https://appshunter.io/ios/app/money-log-expense-and-budget/id6755965245) | 5.0 (2) | Free | Finance | | [ZenBudget](https://appshunter.io/ios/app/zenbudget/id6745493128) | — | Free | Finance | ## More apps by Aaron Schmitz - [Simple Fitness - Coach](https://appshunter.io/ios/app/simple-fitness-coach/id6787476903) All apps by Aaron Schmitz: https://appshunter.io/developer/6777039728 --- *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 2026-09-05.*