Fullgrove: Net Worth & Budget

Fullgrove is a household ledger that fills itself without a bank login. Share a card statement, snap a receipt or type "latte 65". Fullgrove reads it on your iPhone, picks the category and files it. Your ledger stays on your devices. Fullgrove never asks for a bank password.

WAYS IN • Card statement PDFs, locked ones too. The password stays in your Keychain. • Apple Pay taps and bank alerts, through a Shortcut you set up once. • Receipts from the camera, Photos or Files. Long receipts can be shot in parts. • Taiwan e-invoice QR codes on printed receipts, item by item. • One line typed or spoken: "lunch 180 cash". Works from Siri, widgets and Apple Watch. • Bank files: CSV, Excel, QIF, OFX, QFX, CAMT.053 and MT940. • 11 import templates for moving from another money app.

SORTED AS YOU TYPE • The category appears while you type. Change it once and Fullgrove remembers. • Apple Intelligence on your iPhone fills in what rules cannot. • An inbox collects rough amounts, missing categories and possible duplicates. • A card alert and its statement line become one row when the match is confident, with every source shown. • Each row is marked as spent, building assets, paying down debt or a transfer.

BALANCES THAT MATCH • Every row keeps its evidence: the statement, notification or receipt it came from. • Optional reconcile mode, and balance adjustments kept out of income and spending. • Cross-currency transfers with the real rate and fee. Brokerage accounts with T+2 settlement.

THE WHOLE PICTURE • Net worth and its trend, this month's spending, and each row. • Personal, shared, business and child ledgers. Deposits shown by country and currency. • Budgets with today's pace, goals and a grove that grows as you save. • Ask "how much did we spend on food this month?" Every number in the answer comes from your ledger. • iPhone, iPad, Apple Watch and widgets.

BILLS ON TIME • Scheduled payments for rent, cards and utilities, with due-day notifications. • Payment screenshots are read and matched to the bill that was due. • Repeating bills are found in your history.

HOME INVENTORY • A use-soon list, and what was thrown away this month at the price you paid. • Reminders to replace water filters and smoke alarm batteries. • A medicine cabinet checklist and a shopping list with last price paid. • Turn home inventory off in Settings if you only want the ledger.

PRIVACY • No bank login, and no e-invoice carrier verification code. • Parsing, OCR, categories and matching run on your iPhone. • Settings lists every network connection the app makes and why. • Some reading and the assistant's longer answers use Apple Private Cloud Compute, which Apple does not keep. It is on by default and one switch in Settings turns it off. • Anonymous usage sharing is on by default, never includes amounts, merchants or notes, and one switch in Settings turns it off. • Export to CSV, a full archive or an encrypted backup whenever you like.

FREE AND PREMIUM The ledger is free: every import, reports, search, export and the grove. Fullgrove Premium adds assistant answers on Apple Private Cloud Compute and goals that project with your own expected return. Premium starts with a 14-day free trial. • Individual: yearly or monthly, for one person. • Family: yearly, shared with up to five family members through Family Sharing. • Early-bird Lifetime: a one-time purchase sold until 30 June 2027. It includes Premium features added later and works with Family Sharing.

Payment is charged to your Apple Account when you confirm the purchase. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period, and renewal is charged within the 24 hours before the period ends. Manage or cancel in your Apple Account settings. An unused part of a free trial ends when you buy a subscription.

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