Dollars & Pence app icon

See tomorrow's
balance, today.

Forecast your balance day by day. Never miss a bill. Tag and categorise spend with on-device intelligence. Built for clarity โ€” without spreadsheets, bank logins, or compromise.

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Private by design. Your data stays on your device and your private iCloud. No accounts, no servers we own, no analytics, no ads, no tracking. AI runs entirely on-device.

Features

Everything you need,
nothing you don't.

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Balance Projections

Forecast your running balance day by day, weeks or months ahead. See exactly what's left after every bill, salary, and subscription.

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Recurring Agreements

Set up direct debits, standing orders, salary, and subscriptions. Daily, weekly, monthly, yearly schedules โ€” with weekend and bank-holiday awareness.

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On-Device AI

Smart category suggestions powered by Apple's NaturalLanguage framework. Trained on your own data, on your device. Never sent anywhere.

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Receipt OCR

Snap a photo of a receipt and attach it to any transaction. Text is extracted on-device with the Vision framework โ€” and becomes searchable.

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Free-Form Tags

Tag any transaction or agreement โ€” needs vs wants, goals, projects, anything. See yearly impact and split spend the way you think.

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Budgets

Build budgets around how you actually spend. Track progress against tagged categories with real-time aggregation.

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Saved Queries

Build custom filters and save them with relative date ranges. Group, aggregate, and export results as CSV.

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Smart Reminders

Get notified before recurring payments hit. No more surprise bills, no more missed direct debits.

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Siri & Shortcuts

"Hey Siri, add expense in Dollars and Pence." Log spend hands-free, or trigger from the Shortcuts app and Home Screen.

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Apple Watch

Quick-add transactions from your wrist with dictation. Glance at projected balance via complications.

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Home-Screen Widgets

Today's balance, tomorrow's outlook, and weekly projections โ€” right on your Home Screen and Lock Screen.

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iCloud Sync

Your data syncs across iPhone, iPad, and Apple Watch through your private CloudKit container. We never see it.

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Face ID Lock

Optional biometric lock keeps your finances private even when your phone isn't.

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Multi-Currency

Manage accounts in different currencies with manual exchange rates you control. English and Spanish supported.

Pricing

Free to use.
Premium when you need more.

Free

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  • Up to 2 accounts
  • Unlimited transactions and agreements
  • Balance projections
  • On-device AI categorisation
  • Receipt OCR & attachments
  • Tags, budgets, saved queries
  • Siri shortcuts
  • iCloud sync

Premium

Monthly or yearly

  • Unlimited accounts
  • Home-Screen and Lock-Screen widgets
  • Apple Watch complications
  • Face ID app lock
  • Import & export
  • All future Premium features

Subscriptions auto-renew. Cancel any time in your Apple ID settings. Pricing shown in the App Store.