Cifro: Private Budget Tracker

KNOW IF YOU'RE ON TRACK — IN ONE LOOK. Cifro turns your spending into a clear answer: are you on pace this month, how much can you spend per day, and where is your money going. No bank login, no ads, no tracking. A HOME THAT TELLS YOU WHAT MATTERS Open Cifro and read the verdict first — "You're on pace" or "You're spending a bit fast" — with the exact daily limit to finish within budget. A clean pace chart shows spending so far and where you'll close the month. Expected savings compare your projection with the monthly income you set. SEE WHERE IT GOES One stacked bar splits the month by category, by group, or by intention (well spent, necessary, unnecessary). Tap any row to open those exact expenses. ASK CIFRO — PRIVATE AI Ask "Am I on track?", "What can I cut this month?" or "How am I doing vs. last month?". Cifro AI answers with your real numbers using Apple Intelligence on your iPhone. Your conversation never leaves the device. (Requires an iPhone that supports Apple Intelligence.) LOG AN EXPENSE IN SECONDS Type "15 lunch at the sushi place", say it with your voice or Siri, or scan a receipt. On-device AI suggests the right category and learns from your corrections. Spending abroad? Cifro converts other currencies for you. FIND ANY EXPENSE FAST Native search with filters that stack right in the search bar: combine categories, review status, dates and amounts. A DAILY MONEY MOMENT Review each expense once and mark it Well Spent, Necessary or Unnecessary. It takes a minute, builds a streak, and shows you the spending you actually regret. BUDGETS THAT FIT YOUR LIFE Up to 8 categories with budgets, organized in groups. Widgets and a Live Activity keep today's spending one glance away. PRIVATE BY DESIGN • No accounts, no bank connections, no ads, no tracking • Your data lives on your iPhone and syncs through your own private iCloud • AI runs on device with Apple Intelligence • Only exchange rates are fetched from the internet — never your data Download Cifro and know where your money stands — every day.