Persimmoney

Your entire financial life — on your device, and nowhere else. Persimmoney is a private, local-first finance app that brings your whole financial picture together: spending, budgets, income, investments, retirement, assets, debts, subscriptions, and goals — all in one place. There is no account to create, no email to hand over, no password to remember. Everything you enter is stored locally on your iPhone and syncs to your other devices only through your own iCloud, if you choose. We don't run servers, we don't hold your data, and we couldn't see it if we wanted to. THE FULL PICTURE, NOT JUST EXPENSES A central Home dashboard pulls everything together — spending trends, budget status, portfolio value, upcoming renewals, goal progress, and net worth — so you always know where you stand. SPENDING & BUDGETS Log expenses in seconds with quick-select for your frequent merchants, categories, payment methods, and custom tags. The spending dashboard shows totals, top categories and merchants, period-over-period comparisons, a category donut chart, a merchant treemap, and a color-coded calendar of your heaviest spending days. Set monthly budgets per category and see at a glance whether you're on track. INCOME Track salary, freelance, and other income across multiple earners, with rates, deductions, and full payment history. PORTFOLIO Track holdings, gain/loss, and allocation, with a watchlist and price alerts. Optionally connect external portfolio data provider by own API key for live quotes — the key stays in your iPhone's Keychain, and it's the only network connection the app ever makes. RETIREMENT Project your retirement with deterministic and Monte Carlo simulations, Social Security claiming scenarios, and account-level detail. Includes support for India retirement plans (EPF, PPF, NPS, EPS pension) with INR formatting. ASSETS & DEBTS See your net worth clearly. Track property and other assets with equity and LTV calculations and attached documents. Manage loans and credit cards with amortization, payoff simulations, avalanche and snowball strategies, and utilization tracking. SUBSCRIPTIONS & GOALS Keep every recurring cost visible with a renewal calendar, reminders, and price history. Set savings goals, track your pace, and see projected completion dates — goals can attach to any account, asset, or debt. PRIVATE BY DESIGN • No account, no sign-up, no email — open the app and start • All data stored locally on your device • Optional sync through your own iCloud only — nothing ever reaches our servers • Export a complete archive or CSV anytime — your data is never locked in • Erase everything from within the app, no request required FEATURES • Home dashboard unifying spending, budgets, portfolio, subscriptions, goals, and net worth • Fast expense entry with recent-merchant quick-select, 15+ categories, 6 payment methods, and custom tags • Spending dashboard with KPIs, trend chart, donut chart, merchant treemap, and spending heatmap • Week, month, and last-month views with period-over-period comparison • Monthly budgets per category with live on-track indicators • Full expense history grouped by month, with filters and daily subtotals • Income tracking across multiple earners with deductions and payment history • Investment portfolio with gain/loss, allocation, performance metrics, watchlist, and price alerts • Retirement projections with Monte Carlo simulation and Social Security scenarios • Asset valuation, equity/LTV, and linked-debt tracking with document attachments • Debt payoff simulation with avalanche and snowball strategies • Subscription renewals calendar, reminders, and price-change history • Savings goals with pace tracking and projected completion • Home screen widgets and local reminders • 13 supported currencies including USD, EUR, GBP, INR, and JPY • Full archive export/import and CSV export for complete data portability