Simple Finance App

Updated August 9, 2026 · Simply Finance

A simple finance app for everyday money decisions.

Simply Finance keeps money management calm and useful. See what changed, ask questions grounded in your own history, and check what is left in every budget without interpreting a crowded dashboard. A fast manual flow and offline access keep the daily habit simple.

  • Clear daily answers
  • Ask AI grounded in your own money
  • See every budget before you overspend
  • Works fully offline
Download on the App StoreAvailable now on iPhone & iPad
Get it on Google PlayAvailable now on Google Play
Account requiredNo

Complete the short on-device setup without an email address or bank connection, then record your first expense.

Full Version$4.99 once

The app purchase unlocks Sync and detailed Reports. Optional managed relay hosting is billed separately.

Simple by design, not by omission

Unlimited accounts, budgets, reports, runway, and 150+ currencies—without a hosted profile or bank feed to maintain.

Why the simple finance app wins

The best finance app is the one you still use in month three. That is where complicated routines fail: the numbers stop being current, and the setup becomes another thing to maintain. Every extra step is a reason to put the habit off.

Simply Finance bets on the opposite: if logging a coffee takes stays short and the app never asks for a bank connection or hosted login, tracking can become a habit instead of a project. Simple is not a starter tier here. It is the product.

How it stays simple

  • No hosted account. No email, password, or bank connection. A short on-device setup prepares your local ledger.
  • You log it, so it's true. Manual entry keeps the source of each number clear. Importing your history from a supported CSV is there when you need it.
  • Nothing nags you. No ads or behavioral tracking. The only reminders are the recurring ones you set yourself.
  • It answers plainly.What changed, whether you're okay, and what comes next—spending by category, budget progress, and your Financial Runway.

If you searched for a Simply Finance login, there is no account dashboard to sign into. Read the login and restore guide to open the app or use the web companion with your recovery phrase.

Simple, not limited

Simple describes the experience, not the feature set. Simply Finance includes unlimited accounts and transactions, budgets with visual progress, recurring transaction reminders, spending reports by category, Financial Runway, CSV import, and 150+ currencies. It works on iPhone, iPad, and Android, and optional sync between your devices is end-to-end encrypted.

Private, too

Your data lives on your device, not on our servers. No bank login, no profile, nothing readable by anyone else. Read more on the private budget app page.

A simple finance app vs a typical one

Swipe or use arrow keys to compare all apps.

Budget app comparison
FeatureSimply FinanceTypical finance app
Hosted account / emailNot requiredVaries by app
Bank connectionNot supportedOptional or central
Working ledgerOn deviceOften cloud-hosted
Offline useCore app works offlineVaries by app
Transaction captureManual + CSV importOften automated
App priceFree / $4.99 Full VersionVaries by app
Managed hostingOptional; separateOften included

Cloud-connected finance apps vary. Check the current product documentation for any app you are comparing. Simply Finance app pricing excludes optional, separately billed managed relay hosting.

FAQ

What is the simplest way to track my money?

Record spending close to when it happens, then review a small set of useful answers. Simply Finance is built around that loop: no account to create and no bank connection to maintain.

Is Simply Finance free?

Yes. Tracking and budgets are free to use. Full Version is a one-time $4.99 in-app purchase that unlocks Sync and detailed Reports. Optional managed relay hosting from SimplySync Cloud is billed separately; the built-in relay and self-hosting remain available. There are no ads.

Do I need to link my bank account?

No. Simply Finance never connects to your bank. You enter transactions yourself or import your history from a CSV file, so there are no broken bank feeds and no credentials shared with third parties.

Does simple mean limited?

No. Simply Finance supports unlimited accounts and transactions, budgets with visual progress, recurring transaction reminders, spending reports by category, Financial Runway, CSV import, and 150+ currencies. Simple describes the experience, not the feature set.

Does it work offline?

Yes. The app is local-first, so everything works without an internet connection. Optional sync between your devices is end-to-end encrypted.

How is Simply Finance priced?

The app is free to use. Full Version is a one-time $4.99 in-app purchase for Sync and detailed Reports. Optional managed relay hosting from SimplySync Cloud is billed separately; the built-in relay and self-hosting remain available.

A calmer finance app for the daily habit

See what changed, ask about your own history, and check every budget at a glance. See your money clearly. Stay in control.

Download on the App StoreAvailable now on iPhone & iPad
Get it on Google PlayAvailable now on Google Play