Personal finance,
privately yours.
Finolio is an expense tracker built for one person — you. Every transaction, receipt, and budget lives in your private iCloud, not on our servers. No accounts to create. No analytics. No ads.
Built around your privacy
Finolio is designed so even we can't see your data. Here's how.
Your iCloud, not ours
All your data syncs through your private iCloud database — no logins, no profile of you, and no way for us to read it. The one optional feature that uses a Finolio relay, Email Forwarding, verifies your bank's email authentication before logging anything and runs over hardened HTTPS — spelled out in our Privacy Policy.
No analytics, no tracking
No SDKs phoning home. No ad networks. No behavioral profiling. The app makes no outbound calls except syncing your own data and any optional connections — like cloud AI or bank-email import — that you switch on yourself.
On-device intelligence
Receipt scanning and the Finolio Coach run on your device using Apple Intelligence. Ask the Coach about your spending and it answers privately — optional cloud AI (Claude) is opt-in and uses your own API key, never ours.
You own your data
Export a full backup of every record in plain JSON whenever you want. Delete it all in one tap. It's your money — it should be your data, too.
iPhone, iPad, and Mac
One purchase, every Apple device. Widgets, Live Activities, Siri Shortcuts, and Lock Screen access — all included.
Built for everyday use
Budgets, recurring expenses, savings goals, spending sprints, and receipt photos — designed to be glanced at, not labored over.
Auto-import — charges, logged for you
Several ways auto-import keeps the ledger up to date — most on-device, with one optional email relay you switch on yourself.
Apple Card syncs itself
Connect Apple Card once and every charge — taps, online orders, subscriptions — flows in automatically, straight from Wallet. No third-party services touch your data.
Tap to pay, logged instantly
A new Shortcuts automation logs any Apple Pay tap — on any card — before you've put your phone away. Set it up once in Settings → Auto-Import.
Bank alerts become expenses
Turn on your bank's transaction emails and they import automatically. The easy way: forward them to your private Finolio address — works with any bank, no Google sign-in (this optional path routes alerts through Finolio's relay, so it's less private; see our Privacy Policy). Or connect Gmail read-only to parse them strictly on-device, where nothing leaves your phone.
Backfill months of history
Import any bank's CSV statement and Finolio detects the columns automatically. Re-importing the same file never creates duplicates.
One charge, logged once
A smart dedupe engine recognizes the same purchase arriving from different sources — a tap, an email, a card sync — and keeps exactly one copy.
Per-card payment methods
Auto-imported charges are filed under the actual card — so spending breakdowns by card finally tell the whole story.