What you get
Bank integration
Plaid-backed account linking. Transactions auto-sync; categories are AI-suggested and user-correctable. Everything stays in your iCloud, not a SpendWisely server.
Multi-currency
USD, EUR, JPY, anything. Live FX rates roll all your accounts up to a single home-currency view. Crypto holdings (BTC, ETH) priced in real time.
AI insights
Ask 'What did I spend on dining this month?' or 'Show me subscriptions over $20.' Apple Intelligence answers from your local data; no cloud round-trip required.
Budgets + trends
Per-category monthly budgets with spend-down progress. Year-over-year comparison so you can see seasonal patterns instead of just this-month-vs-last.
Local-first
Bank tokens encrypted in the iOS Keychain. Transaction history in private iCloud. Nothing forwarded to a SpendWisely server because there is no SpendWisely server.
Net worth tracking
Liquid + investment + crypto + real estate, all on one chart. Goal lines for milestones. Snapshot daily, restore any point in history.
Privacy by default
No analytics. No third-party SDKs. No tracking. Apple-ecosystem services only — App Store, iCloud, StoreKit, Apple Intelligence where applicable.