Your finances.
Above it all.
A personal finance app built on one conviction: your financial data should never leave your hands.
Connect your banks, track spending, set budgets. Everything runs on your iPhone, protected by the same Secure Enclave that guards your face and fingerprint.
"A loft is the one space that's entirely yours. It sits above everything - the noise, the surveillance, the companies trading your attention for profit."
MoneyLoft is that space for your finances. Elevated. Private. Untouched.
Built different
Privacy isn't a feature. It's the foundation.
Zero-Knowledge Architecture
We didn't choose not to look at your data. We made it impossible. Your transactions, budgets, and balances live on your iPhone, protected by the Secure Enclave.
Intelligence Stays Local
Categorization, insights, recurring detection - it all runs on-device using Core ML. Your spending patterns never travel through a wire.
Smart Budgets
Set spending limits by category with Loft Levels gamification. Level up from Storage Unit to Penthouse as your financial habits improve.
Net Worth Tracking
See your complete financial picture across checking, savings, credit cards, and investments. All computed locally.
Connect Any Bank
Link via Plaid, Apple FinanceKit, or import CSV. Multiple paths, one privacy promise - your data stays on your device.
Recurring Detection
Automatically identifies subscriptions and recurring bills. See what's due soon, right on your dashboard.
Your Data Answers to You
Export it. Delete it. Move it. One tap, no hoops, no "contact support." We don't hold your data hostage because we never hold your data.
How it works
Your data makes one trip: from your bank to your phone. Our servers never see it.
Your Bank
12,000+ institutions
Plaid
Bank linking
FinanceKit
Apple Wallet
You
CSV import
Phantom Gate
Stateless · Zero retention
Your iPhone
Secure Enclave · On-device ML
Only Plaid connections pass through Phantom Gate - a stateless relay that forwards encrypted requests and forgets them instantly. FinanceKit and CSV never leave your phone.
Swift 
SwiftUI 
DuckDB 
Plaid 
Apple 
Cloudflare Swift SwiftUI DuckDB Plaid Apple Cloudflare Swift SwiftUI DuckDB Plaid Apple Cloudflare See the whole picture
From first connection to full financial clarity.
Your financial command center
Net worth, monthly cash flow, upcoming bills, and AI-generated insights — all computed on-device from your raw transaction data. No server round-trips, no stale caches. Real-time numbers powered by DuckDB running locally on your iPhone.
Simple pricing
We make money from subscriptions, never from your data.
Free
- 1 bank connection (all accounts)
- 1 manual account
- Unlimited Apple FinanceKit & CSV
- Budgets, Vault Score, search
- Current-month money flow
Pro
or $39.99/year (save 33%)
- Everything in Free
- Unlimited bank connections
- Unlimited manual accounts
- Historical money flow (quarter, year, custom)
- Advanced insights & trends
Questions
We use a stateless proxy that forwards encrypted requests to Plaid and returns responses directly to your device. Our servers never log, store, or have access to your financial data. Think of it as a mail carrier who delivers sealed envelopes but never opens them.
Your data is protected by iOS's Secure Enclave and your device passcode. You can optionally enable encrypted iCloud backup to restore your data on a new device - Apple cannot read this backup, and neither can we.
Free includes one bank connection (with all its accounts), one manual account, unlimited Apple FinanceKit and CSV imports, full budgeting with Loft Levels, transaction search, and current-month money flow visualization. Pro unlocks unlimited connections, historical analysis, and advanced insights.
MoneyLoft supports over 12,000 financial institutions in the US through Plaid, including all major banks and credit unions. You can also use Apple FinanceKit to access Apple Card and Apple Cash data, or import transactions via CSV from any source.
Subscriptions are managed through the App Store. Go to Settings > Apple ID > Subscriptions on your iPhone. You can cancel anytime and keep access through the end of your billing period. Your data always stays on your device regardless of subscription status.
Take control of your financial privacy
Your spending habits, your income, your net worth - this is the most intimate data you have. It deserves better than someone else's cloud.
Download for iOS