Personal finance
Aloft
Your accounts, spending, budgets, bills, investments and net worth in one calm place. Aloft is a native app for iPhone, iPad and Mac. Your financial data stays on your devices and in your own iCloud, and there’s no Aloft account to create.
- iPhone, iPad and Mac
- iOS 26 and macOS 26
- No sign-up
What it does
- Dashboard: what’s free to spend this month, a spending pace chart, transactions to review, how your budgets are trending, upcoming bills and your net worth.
- Transactions: search and filters, categories, tags, notes, splits and rules. On the Mac, a native table with keyboard shortcuts.
- Budgets by category, with rollovers, groups and month-by-month changes.
- Recurring bills and subscriptions, with suggestions detected from your transactions.
- Accounts and net worth, credit utilization, investments with live prices, cash flow and goals.
- Connect your money: banks through SimpleFIN Bridge (Plaid is in beta), Apple Card, Apple Cash and Apple Savings through Apple’s FinanceKit, or statement files you import.
- Ask Aloft: ask questions about your money and get answers from Apple’s on-device model, or from Claude with your own Anthropic API key if you choose.
- Home Screen widgets, a Face ID or Touch ID lock, light and dark themes, CSV import and export, and iCloud sync between your iPhone and Mac.
Privacy at a glance
- Your data is stored on your devices and in your private iCloud account. Aloft has no servers, and the developer can’t see your data.
- No sign-up, analytics, advertising or third-party tracking SDKs, and your data is never sold.
- Apple Wallet data read through FinanceKit is never sent to anyone, including AI services.
- AI answers use your own Anthropic key and are off until you add it. Logos send only the website or name of a merchant, bank or payment app, and can be turned off.