Sotto: Private Finance AI

Sotto is a finance AI that lives on your iPhone — not in someone's cloud. Chat about your spending, budgets, debts, and goals, and get precise answers computed from your real numbers. No bank linking. No account. Nothing leaves your device. TALK TO YOUR MONEY Ask Sotto anything: "How did I do this week?" "When will my loan be paid off?" "Can I afford this?" Every figure in every answer is calculated by the app from your actual data — the AI explains, it never guesses. The model runs entirely on your iPhone, so your financial life is never uploaded, analyzed, or sold. TRACK WITHOUT SURRENDERING YOUR BANK LOGIN - Log expenses and income in seconds — smart categories learn your habits - Split transactions, attach receipts, add notes - Powerful search and filters across everything - Multiple accounts and currencies SEE WHERE IT ALL GOES - Spending, cash flow, and trend charts you can tap into - Budgets with live pacing — know if you're on track mid-month, not after - A financial health score that shows exactly what moves it GET OUT OF DEBT, HIT YOUR GOALS - Debt payoff planner: compare avalanche vs snowball, see your debt-free date - Savings goals with projected completion dates - A calendar of upcoming bills and recurring payments, so nothing surprises you PRIVATE BY ARCHITECTURE — NOT BY PROMISE - All AI runs on-device. No servers. We couldn't read your data if we wanted to - No account, no sign-up, no email required - Face ID / Touch ID app lock - Optional iCloud sync uses your private iCloud database — encrypted, accessible only to you - App Store privacy label: Data Not Collected SOTTO PRO The AI chat is free, with no message limits — that's the heart of Sotto and it stays free. Pro unlocks the power tools: receipt scanning, CSV import, unlimited accounts, budgets and goals, the debt payoff planner, advanced charts, daily insights, widgets, iCloud sync, and export. Monthly, annual, or pay once for lifetime. WORKS EVERYWHERE Any currency, any country. Dark mode first, gorgeous in light. Widgets for your balance, spending, and goals. Your money deserves a quiet place to be understood. Download Sotto and ask it something. — Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: [your privacy policy URL]