JumpMoney

Budgets, bills, goals, debts, investments and net worth, all in one private app. No account. No ads. No tracking. Your data stays on your iPhone or iPad. Everything works offline, so your finances are always with you and only with you.

TRACK EVERY TRANSACTION • Expenses, income and transfers across cash, bank, savings, credit card, wallet, investment and loan accounts • Split a transaction across categories, add tags and notes, mark entries cleared • Scan a receipt: on-device text recognition fills in the merchant, total and date • Type sums like 120+45.50 straight into the amount field • Quick Templates for everyday entries, and Auto-Categorize Rules that rename payees and pick categories for you • List or calendar view, search, filters and statement reconciliation • Accounts in any currency, converted with exchange rates you control

BUDGETS & GOALS • Weekly, monthly or yearly budgets, overall or per category, with rollover and alerts as you near the limit • Start your budget month on payday • Safe to Spend shows what is left for the rest of the period after bills and goals • Savings goals with deadlines, contributions and pace tracking

BILLS & SUBSCRIPTIONS • Bills, subscriptions, salary, SIPs and transfers that post automatically or wait for you • Reminders before bills, card payments and loan instalments, with Mark Paid and Skip in the notification • Bill calendar and a 30/60/90-day cash-flow forecast • Spots repeating payments you haven't set up yet

REPORTS • Spending and income by category with drill-down, income vs expense, cash flow, top payees, trends and period comparisons • Filter by account, category or tag, then export a PDF summary or CSV

NET WORTH, DEBTS & INVESTMENTS • Net worth across accounts plus assets and liabilities you add, such as property, jewellery or a family loan, with a history chart • Loans with EMI schedules, prepayment what-ifs and a snowball vs avalanche payoff planner • Money you borrowed or lent, with repayments • Split with Friends: share bills equally, by exact amounts, percentages or shares, and settle group balances in the fewest payments • A manual portfolio tracker for stocks, funds, ETFs, bonds, deposits, gold, crypto and more, with dividends, average cost and realised capital gains

CALCULATORS & TAX • Salary & Tax estimates for India (new vs old regime) and 12 more countries: US (federal, FICA and state), UK, UAE, France, Germany, Italy, Singapore, Malaysia, Thailand, China, Japan and Australia, plus custom slabs • 16 calculators, including loan EMI, prepayment, SIP, fixed and recurring deposits, PPF, CAGR, retirement/FIRE, inflation, tip split and currency conversion • Gold, silver, platinum, palladium and copper rates with estimated local prices, and a jewellery valuer

PRIVATE BY DESIGN • Stored only on your device: no sign-up, no cloud sync, no ads, no analytics, no third-party SDKs • Optional App Lock with Face ID, Touch ID or your passcode, and Hide Amounts to mask balances • Backups you control, optionally password-protected with AES-256 encryption, plus automatic weekly backups • Import CSV, OFX, QFX and QIF bank statements with duplicate detection; export to CSV • Erase everything whenever you like

OPTIONAL LIVE PRICES Live Prices is off by default, and JumpMoney never goes online unless you turn it on in Settings. Then it downloads public exchange rates and metal spot prices. Requests only name a currency: never your data, an account, identifiers or cookies. Turn it off any time and enter rates yourself.

SIRI & SHORTCUTS Add an expense, income or transfer, or ask for a balance, by voice or in Shortcuts. Works offline; balances are never spoken while Hide Amounts or App Lock is on.

Salary, tax, capital-gains and metal-price figures are estimates to help you plan, not financial or tax advice. JumpMoney does not connect to your bank, move money or recommend investments.

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