CapitalEvery account.
One number.
Capital brings your scattered balances — across banks and currencies — into one private, on-device view, then projects where you're headed from your recurring income and spend.
Coming soon to the App StoreA calm, private money tracker — no sign-in, no servers, nothing to breach.
Clarity without surveillance
Most finance apps want to log into your bank. Capital doesn't — you're the source of truth for your own money.
Every account, one number
Balances across banks and currencies roll into a single available total, with a clear by-bank breakdown underneath.
See where you're headed
Capital carries your recurring income and spending forward, so you can see where you'll land — from three months out to five years.
Manual, no bank logins
You enter your balances yourself. There's no aggregation service, nothing to breach, and you stay in control of your own figures.
A fast activity log
Log income and spending with categories, search and receipt scanning — plus an optional end-of-day reminder to keep things current.
Private, no servers
No account, no tracking, no ads. The app makes no network requests for your data — everything is computed on your device. Capital has no servers.
Reports & export · Pro
A clean PDF account summary and a CSV of your full history — your data, ready to keep or share.
Deep analytics · Pro
Spending by category, cashflow & runway, and your net-worth history over time.
Freelancer tax & VAT · Pro
Quick income-tax and VAT estimates so you can set money aside before it's due.
A look inside
Native on iPhone, iPad and Mac — light and dark mode, with a Face ID / passcode lock.
The numbers, visualized
Capital turns a pile of balances into a picture you can act on.
Where you're headed
Illustrative — your real projection is built from your own recurring income and spend, from three months out to five years.
One number, many accounts
Illustrative split across accounts — Capital rolls every balance into a single available total.
On every screen you own
A native app for iPhone, iPad and Mac — your accounts, projections and Pro unlock follow you across them via your Apple ID.
iPhone
The full tracker in your pocket — your one number, the projection, a fast log with receipt scanning, and a Face ID / passcode lock.
iPad
A roomier canvas that gives the dashboard, projection and analytics more room to breathe.
Mac
A real Mac app (Apple Silicon & Intel) — review your accounts and run the numbers on the big screen.
Free to use. Pro when you want it.
Everything you need to see your money clearly is free. Pro is a one-time unlock — no subscription required — and one purchase covers iPhone, iPad & Mac.
Free
$0 forever
- Every account in one available number, across banks & currencies
- A by-bank breakdown with per-account balances
- A clear projection, starting three months out
- Fast activity log — categories, search & receipt scanning
- Optional end-of-day reminder
- Light & dark mode
- Face ID / passcode lock
Pro everything in Free, plus —
$12.99 once
- Reports & export — PDF account summary + CSV of your full history
- Deep analytics — spending by category, cashflow & runway, net-worth history
- Power tracking — search & filter, category targets, projections to five years
- Freelancer tax & VAT estimates
Supporter · Monthly
$1.99 / mo
A small monthly tip — includes all of Pro.
Pro · Lifetime
$12.99 once
Pay once, keep every Pro feature forever.
Supporter · Annual
$14.99 / yr
A yearly tip — includes all of Pro.
Pro is a one-time $12.99 unlock — no subscription required. Prefer to support development over time? An optional Supporter subscription also unlocks every Pro feature. Subscriptions auto-renew until cancelled — cancel anytime in Settings. Prices shown in USD; the App Store displays your local price.
Why Capital
Most finance apps start by asking to log into your bank. I never liked that — handing a third party the keys to every account, and a fresh place for my data to leak from, just to see a balance.
So Capital does the opposite. You enter your accounts yourself, the numbers stay on your phone, and there are no servers to breach. What you get back is the thing I actually wanted: one calm place to see everything I have as a single number, and an honest projection of where it's heading.
No surveillance, no ads, and no pressure to subscribe — Pro is a one-time unlock if you ever want the extra depth. That's it.
— The maker of Capital
A note on tax: Capital's tax & VAT feature gives estimates to help you plan — not tax advice. Always confirm figures with a qualified accountant.