# Sotto: Private Finance AI — Budgets & money. On-device AI

> Budgets & money. On-device AI (iPhone/iPad app by Devforge Agency.)

- Source: https://appshunter.io/ios/app/sotto-private-finance-ai/id6778927100 (this page in markdown: same URL + `.md`)
- Developer: [Devforge Agency](https://appshunter.io/developer/1725546874)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 18.0 · 57 MB
- Languages: American English
- Released: 2026-06-15
- Data updated: 2026-09-01
- User reviews in markdown: https://appshunter.io/ios/app/sotto-private-finance-ai/id6778927100/reviews.md

## What is Sotto?

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: https://sotto.devforgeagency.com/privacy

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Sotto Pro Monthly | $4.99 | per month |
| Sotto Pro Annual | $29.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Sotto Pro Lifetime | $69.99 | one-time |



## Version history (last 2 releases)

### 2.0.0 — 2026-08-26

Ask Sotto out loud.

- Siri now talks to your money. "Hey Siri, ask Sotto what I
  spent on groceries" — or log a transaction hands-free,
  without opening the app.
- A new on-device AI engine. Faster answers, better
  reasoning, and a smaller footprint on your iPhone.
- Redesigned to feel at home in iOS 26, with a lighter,
  quieter interface throughout.
- Sotto now appears in Spotlight and Shortcuts, so your
  numbers are one search away.

Still no bank logins. Still no account. Still nothing
leaves your device.

### 1.0 — 2026-06-16

No release notes.

## More apps by Devforge Agency

- [7Speed Delivery](https://appshunter.io/ios/app/7speed-delivery/id6476009948)
- [Two Days — Habit Tracker](https://appshunter.io/ios/app/two-days-habit-tracker/id6763483288)

All apps by Devforge Agency: https://appshunter.io/developer/1725546874

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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 2026-09-01.*