Privacy-First · On-Device Intelligence · iOS

Introducing FAInances

Master your
financial discipline.

The app that doesn't just track where your money went - it teaches you how to control it. Built on proven financial methodologies, processed entirely on your device.

Download on the App Store Explore Features
$12,899
SPENDING SCREEN
-$955,648
HOME SCREEN
Score: 27
HEALTH SCREEN

The FAInances Method

Three pillars. One financial life.

Most apps stop at showing you numbers. FAInances guides you through a complete financial system - from awareness to mastery.

📈

01

Track

Get a crystal-clear picture of your financial life. Net worth, cash flow, spending by category, merchant, and account - all in real time with zero cloud exposure.

📦

02

Organize

Define budgets, categorize transactions, manage assets, and structure your accounts so your financial data actually tells a coherent story.

🎯

03

Strategize

Apply industry-standard financial frameworks - 50/30/20, savings rate, debt-to-income, emergency fund - and build lasting habits through smart, contextual coaching.

Track Your Money

See everything.
Miss nothing.

A complete near real-time financial dashboard that surfaces what matters. On the go.

Net Worth & Cash Overview

Your financial pulse.
At a glance.

Know your net worth, available cash, and whether your finances are trending up or down - without opening a spreadsheet.

  • Live net worth across all accounts
  • Cash in bank with trend indicators
  • Month-over-month comparisons
  • Swipeable summary cards
FAInances home dashboard
Net Worth screen

Cash Flow Consistency

Income consistency meets expense patterns.

Understand the rhythm of your money - are your income and expenses predictable, or wildly volatile?

  • Income consistency score
  • Expense consistency tracking
  • Seasonal spending pattern detection
  • 18-month historical trend charts
$6,242
CASHFLOW SCREEN

Spending Intelligence

Spending breakdowns that actually explain things.

Four dimensions of spending analysis - total spend, by category, by merchant, and by account - so you know exactly where every dollar lands.

  • Total spend with historical benchmarks
  • Category-level drill-down
  • Top merchants ranked by spend
  • Per-account spending isolation
$12,899
SPENDING SCREEN
Top 8
MERCHANTS SCREEN

Organize Your Money

Structure creates clarity.

Define how your finances are categorized, budgeted, and segmented so the data you see is always meaningful.

Budgets & Categories

Your rules. Your categories. Your budget.

Create custom budgets, map transactions to categories that reflect your life, and define assets so your net worth picture is always accurate.

  • Custom budget creation per category
  • Flexible transaction categorization
  • Asset tracking (home, car, investments)
  • Account management & labeling
  • Rules-based auto-categorization
50/30/20
BUDGET SCREEN
4 Accounts
ACCOUNTS SCREEN

Strategize & Grow

Financial discipline,
made measurable.

FAInances embeds industry-standard financial frameworks directly into your daily tracking - so you don't just see data, you build habits.

50/30/20 Rule

Needs, wants, and savings - always balanced.

The classic 50/30/20 framework broken down automatically from your real transactions every month. Know if you’re over-allocating to wants or under-saving in real time.

  • Automatic Needs / Wants / Savings classification
  • Real-time % vs target visualization
  • Month-over-month trend tracking
  • Guidance when you drift from targets
Score: 27
HEALTH SCREEN

Financial Health Score

One score. Every metric that matters.

Your Financial Health Score synthesizes savings rate, emergency fund coverage, debt-to-income ratio, and spending discipline into a single, actionable number.

  • Composite health score (0–100)
  • Savings rate vs. 20% industry target
  • Emergency fund: 3–6 months target
  • Debt-to-income ratio under 20%
  • Living below your means indicator
Score: 27
HEALTH SCREEN
$6,242
CASHFLOW SCREEN

Strategize - All Trackers

Your complete financial discipline toolkit.

🏳

50/30/20 Rule

Split every dollar between needs, wants, and savings automatically each month.

💵

Savings Rate

Track what percentage of income you keep vs spend, targeting the 20% benchmark.

🔱

Emergency Fund

Monitor progress toward 3–6 months of living expenses in liquid savings.

📈

Debt-to-Income Ratio

Keep debt obligations under 20% of gross income - the standard for financial health.

💰

Living Below Means

A simple but powerful signal: are you consistently spending less than you earn?

📊

Spending Trends

Uncover seasonal patterns and multi-year spending trajectories to plan smarter.

🔒

Privacy by Design

Your data never
leaves your phone.

FAInances processes every transaction, calculates every metric, and stores every insight entirely on-device. No servers. No syncing. No selling your financial life to advertisers.

🔒

100% On-Device

All computation happens locally using Swift and SwiftData. Your financial data never touches a server, ever.

🚫

No Accounts Required

No email. No password. No cloud account. Nothing to breach, nothing to leak. Your phone is your vault.

📱

SwiftData Powered

Built natively on Apple’s SwiftData framework with Face ID / Touch ID protection for an extra layer of security.

By the Numbers

Built for serious financial growth.

6+
Financial Discipline
Frameworks Built In
0
Servers. Zero.
All On-Device
18mo
Historical Trend
Analysis
∞
Custom Categories
& Budgets

Real People. Real Results.

Financial clarity changes everything.

★★★★★

"I’ve tried every budgeting app out there. FAInances is the first one that actually explains WHY I’m in trouble - not just that I spent too much. The 50/30/20 tracker opened my eyes."

S
Sarah K.
Teacher, Austin TX
★★★★★

"The Financial Health Score is genius. It’s like a credit score but for your habits. I went from a 31 to a 68 in four months just by following the recommendations."

M
Marcus T.
Software Engineer
★★★★★

"Privacy was the first thing that got me. I imported my statements and everything stayed on my phone. No ads, no data mining. Then I realized the app itself is genuinely excellent."

P
Priya N.
Freelance Designer

Start Today

Take control of your
financial future. Free.

No subscription. No ads. No cloud account. Just a powerful, private financial discipline system living entirely on your iPhone.

Download on the App Store Learn More