Sorted without the homework
Rules you write, merchants it remembers, and a model for the genuinely ambiguous ones. Every guess is marked as a guess until you say otherwise — and confirming one teaches it for good.
Money, Apparently.
A clear monthly picture of what came in, what went out, and what is actually left. For iPhone.
Most finance apps show you a balance, which you already knew, or a budget you have to build before it tells you anything. This one shows the month: money received plus money still expected, against money spent plus bills still due. A piggy bank fills with what is left.
Tap any figure and it shows its working, down to the individual transaction.
Rules you write, merchants it remembers, and a model for the genuinely ambiguous ones. Every guess is marked as a guess until you say otherwise — and confirming one teaches it for good.
Detected from your own history rather than typed into a setup wizard. Confirm the rent once and the app knows what is coming.
A card payment is not double-counted as spending, and what is sitting unpaid on your cards is stated rather than buried. Investments and loans stay out of your spending totals unless you say otherwise.
The sixteen that ship cover most things. Add Pets, Childcare, or whatever your life actually contains — each gets its own colour, so no two wedges of a chart ever look alike.
Everything except connecting a bank is free and stays free. Connecting banks is the part that costs money to run every month, whether or not you open the app — so that is the part that costs something. $7.99 a month or $59.99 a year, both with a 14-day free trial, cancelled any time in Settings.
You authenticate with your bank through Plaid. The app receives permission to read transactions and nothing more: it cannot move money, and it never sees or stores your credentials. There is no advertising in it, no tracking across other apps, and your data is not sold. The privacy policy says exactly who is involved and what each one gets.