Simple Finance vs SplitPie

Download now and keep Simple Finance free for life. Rebuilt from the ground up in 3.0, Simple Finance puts 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 3.1 • Hundreds of polish fixes, plus Undo for deletes and any emoji or Genmoji as a category icon • Tags & Groups, and optional Places & Trips to see where you spend on a map • Smarter rules, edit many transactions at once, and bills every 2 to 12 months MEET FIN A private money assistant on your device. Ask how the month is going and it answers from your real numbers. What you ask never leaves your device. 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, down to 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 • 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 never tracks you, sells or shares your data. Our privacy policy is short, because there's so little to disclose.

SplitPie is splitting and personal budgets in one app — built to work offline. Know what’s safe to spend Set your income and a savings target. SplitPie shows a daily “safe to spend” number (income − savings − spent so far). Suggested 50/30/20 category caps, Food / Transport / etc. limits, 80% and 100% alerts, and unused budget that can roll into next month. Shared expenses count against the right budget automatically. See who owes whom Split equally, by shares, percentages, or exact amounts. Groups for trips and home. One tap to settle. You always see “you owe” and “you’re owed” — not a long friends list. Works with no signal Add an expense on a flight or in a dead zone. It lives on your phone and syncs when you’re back. Receipt scan works on-device. Import Splitwise CSV. Upload bank statements. (Gmail auto-scan is coming soon.) Free, with optional ads. No paid lock on splitting or budgets. Privacy: https://splitpie.app/privacy.html Terms: https://splitpie.app/terms.html Support: feedback@splitpie.app