Simple Finance vs Ant

Download now and keep Simple Finance free for life. Simple Finance 3.0 is a ground-up redesign: budgets, net worth, investments and a full retirement plan in one calm place. No account to create, no bank login. Your data lives on your devices and in your own iCloud. No tracking, no analytics, nothing sold. Most finance apps start by asking for your bank password. This one doesn't. NEW IN 3.0 • An all-new look on iPhone, iPad, Mac and Apple Watch • Fin, a private money assistant that runs on your device. Ask how the month is going and it answers from your real numbers. What you ask Fin never leaves your device. • Money, together: share a budget with your partner, talk about a purchase right next to it, and see who paid for what • Log it in seconds: scan a receipt, type a sentence, or just say it • Goals you can see: a photo, a target date and progress at a glance 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 • 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 STOCKS AND CRYPTO • Live prices and charts you can scrub, from one day to all time, with key statistics and dividends • 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. 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 center 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.

Ant is your expense tracker and money notebook, on your own, as a couple or with family: log an expense in seconds, see how much you can spend today, and close each month knowing what you saved. No accounts, no sign-ups and no ads. Your data lives on your iPhone and in your iCloud. — TYPE YOUR EXPENSE — Type "tacos 145" or "uber yesterday 80" and Ant fills in the amount, category, type and date. With Apple Intelligence, it understands even more. — AVAILABLE TODAY — Log your income and your savings goal, and Ant tells you how much you can spend today and stay on track for the month. Go over, and tomorrow adjusts on its own. — AS A COUPLE OR A FAMILY — Keep the household budget with your partner or family, or split a trip with friends. Each space is a card: tap to switch. Invite with a link, no one needs to create an account. — THREE STYLES — Pick the style of the whole app for each space: Classic (the app you know, with Liquid Glass), Diary (torn paper, washi tape and dried flowers) or Terminal (green on black). — YOUR NOTEBOOK — In Diary and Terminal, one page per day with your expenses on lines, the day's total and a note about how it went. — ESSENTIAL OR TREAT — Mark each expense as Essential, Treat, Growth or Unexpected, and see how much went to treats without guessing. — MONTH CLOSE — Four questions to close the month: how much you had, how much you wanted to save, how much you spent and how you can do better. Then seal it and share your month as an image, without amounts. — RECEIPT PHOTO — Keep a photo of the receipt with the expense. Ant reads the total for you. — BUDGETS AND ANALYSIS — Set a monthly or per-category budget and get a heads-up as you get close. See spending by category, by kind and the trend over recent months. — WIDGETS AND APPLE WATCH — Your available-today amount on the Home Screen, the Lock Screen and your wrist. Log an expense from the Watch without taking out your phone. ANT PREMIUM (one-time purchase, forever) Type your expenses and Ant fills them in, receipt total reading, unlimited categories, recurring expenses (rent, subscriptions), PDF and CSV export, and app icons. Try it free before buying. One payment, no subscription. Start free today.