Capture the moment
Type a simple line such as “15 lunch at Sushi Place”, or scan a receipt from the camera or photo library. Cifro parses the amount and context, then suggests the right bucket.
Private expense tracker for iPhone
Know where your money goes—without giving it away.
Capture an expense, review it once, and understand the pattern. Cifro is a private budget and spending app built for people who want clarity without accounts, ads, or financial data extraction.
How it works
A short loop for understanding your money.
Review with intent
Money Moments turn a list of transactions into a focused queue. Mark each purchase as well spent, necessary, or needing review; optionally place it in the budget that matters.
Make the month legible
Organize monthly budgets into your own buckets and groups. Progress, reviewed spend, streaks, and an efficiency score make the change visible without turning Cifro into spreadsheet work.
Let the system learn
On-device Foundation Models use your corrections and examples to improve future suggestions. Daily insights surface a spending change, a streak milestone, or the one pattern worth noticing.
Keep control of the data
No account, ads, or third-party tracking. Face ID or Touch ID can protect the app; sync uses your private iCloud account when you choose to use it.
Private by architecture
Your financial context stays yours.
No account to create
Start without an email, password, or profile. Cifro does not need a financial identity to be useful.
No tracking business
No ads and no third-party analytics SDKs. Your spending is not a dataset for someone else’s product.
Your device, your iCloud
Use Face ID or Touch ID to protect the app. If you sync, it stays in your private iCloud account—not a Cifro server.
Start small
Your money. Your device. Your rules.
Start with one expense. The rest is a habit you build at your own pace.