Local-first finance for iPhone

Your money, stays home.

Track budgets, capture receipts, and export reports — with an AI assistant that keeps every dollar of your data on your device, not our servers.

Download on the App Store See how it works ↓

100% On-Device AI Chat 5 Languages PDF & CSV Export Works Offline

💬 "Spent $47 on groceries"

✅ Draft saved

📊 Budget updated

🔒 Local only

AES-256 Encrypted iOS 17+ Native AI-Powered Chat Full Offline Mode 5 Languages PDF & CSV Export No Bank Connection Needed Zero Analytics or Telemetry AES-256 Encrypted iOS 17+ Native AI-Powered Chat Full Offline Mode 5 Languages PDF & CSV Export No Bank Connection Needed Zero Analytics or Telemetry

Data stays on device

AI agent tools

Report formats

–

Storing your data

Now on the App Store

Pibo Money, in motion.

A calm, local-first budgeting companion for iPhone. Meet the little wallet that keeps every transaction on your device.

Download on the App Store

Featured App Store pages

Start with the view that fits you.

Open a campaign-specific App Store page for AI conversations or calm budgeting. The regular App Store listing remains available below.

AI Money tracker Assistant

Ask questions, review AI drafts, and keep every change under your control.

Explore the AI Assistant page →

Smart Budgeting

See budgets, goals, and debt planning in one calm financial hub.

Explore Smart Budgeting →

Everything you need

Six tools. One calm surface.

Pibo keeps your full financial picture dense enough to be useful and clear enough to scan in seconds.

AI Chat Assistant

Talk to your finances in plain language — English, Vietnamese, Spanish, Japanese, or Chinese. Log transactions, ask budget questions, and get spending analysis. Or bring your own AI key and run 100% offline with Ollama.

30+ agent tools · BYOK

One Calm Money Hub

Accounts, budgets, savings goals, and debt payoff plans live together in a single Financials hub — each with its own focused workspace. Set category limits, watch progress rings fill, and simulate exactly when you'll be debt-free.

Accounts · Budgets · Goals · Debts

Receipt Scanner

Scan receipts with your camera. On-device Vision OCR extracts the data; sensitive details are redacted before any AI processing. Review the draft, confirm, and it's logged.

On-device OCR

Reports & Analytics

Generate Spending by Category, Net Worth, Monthly Summary, Budget Performance, Tax Summary, and Transaction Export reports as PDF or CSV — plus a Financial Health Score (0–100) across six dimensions, all from the same on-device data.

PDF · CSV · 6 report types

Privacy by Design

Four hardware-backed security layers including AES-256. No analytics, no telemetry, no cloud database. AI features are fully opt-in with explicit consent.

Local-first · Zero tracking

Fully Offline-Ready

Core budgeting, transaction entry, and report generation all work without an internet connection. Your books stay open even when the network doesn't.

Works without Wi-Fi

How it works

One message moves the whole system.

Ask in plain language, review the draft, and watch your budgets and reports update in real-time from the same on-device ledger.

Pibo AI

Online · Opt-in

How much did I spend on food this month?

You've spent $312 on Food & Dining so far this month — that's 78% of your $400 budget with 8 days remaining. 🟡

Log $22 at Starbucks today

Transaction Draft

MerchantStarbucks

Amount$22.00

Category☕ Food & Dining

DateToday

AI Assistant

Talk to your finances naturally.

Pibo's AI understands natural language in five languages — English, Vietnamese, Spanish, Japanese, and Simplified Chinese. Ask about your spending, log a transaction with a sentence, or request a budget analysis — the AI composes a reviewable draft before touching any data.

✦ 30+ specialized tools — spending analysis, budget queries, transaction creation, debt tracking, goal updates
✦ Always reviewable — AI suggestions are drafts, not automatic writes. You approve every change.
✦ Opt-in only — AI features require explicit consent. Disable anytime. Core app works without it.
✦ Your AI, your way — bring your own OpenAI-compatible key, or run Ollama locally for 100% offline AI with no daily caps. Keys stay in your Keychain, never shared.

Local-first trust

Your data never leaves your device.

On-device ledger only

All financial data is stored in an encrypted local database on your iPhone. Pibo operates no servers that store your financial records.

AI is fully opt-in

AI chat and receipt scanning require explicit consent. You control exactly when data leaves the phone for AI processing — and you can withdraw consent anytime. The AI service is stateless: it stores no chat history and retains nothing after it answers.

Passphrase-encrypted backups

Backups are encrypted on your device with a passphrase only you know before you export them. You choose where the file goes — only your passphrase can unlock it, and Pibo keeps no copy and no recovery key.

Zero analytics or telemetry

Pibo collects no crash analytics, no usage tracking, and no behavioral data. There is nothing to sell and no profile to build.

Read the full privacy policy →

Simple pricing

Start free. Upgrade when ready.

Every plan keeps your data local. Upgrade unlocks AI power, higher limits, and advanced reports.

Free

$0 / forever

No card. No trial. No expiry.

Everything you need to budget privately on-device — with the AI assistant on a daily allowance.

Unlimited accounts, budgets, goals & debts
Transaction log & full history
Net worth & debt tracking
PDF + CSV export
10 AI messages / day
3 receipt scans / month
Core budgeting works offline
AI insights, forecast & weekly summary
Backup & restore

Get started free

Common questions, direct answers.

All financial data is stored locally on your device with four hardware-backed security layers including AES-256 encryption. Pibo Money does not operate servers that store your financial data. The data never leaves your device unless you explicitly trigger an AI feature or backup.
No. Pibo Money never connects to banks or financial institutions — you enter transactions manually or through chat. When you ask the assistant about your finances, your message is sent with limited financial context (account and category names, balances, and a spending or budget summary), and it can look up relevant figures from your on-device data — such as recent transactions in a category — to answer. The AI service is stateless: it stores no chat history and retains nothing after it answers. Your complete database is never uploaded, and any change the AI proposes is a draft you review before it's saved.
Absolutely. AI features are fully opt-in. You can use accounts, transactions, budgets, goals, debts, and reports without enabling AI. Consent is requested the first time you try AI chat or receipt scanning.
Yes. Core budgeting, transaction entry, and report generation all work offline. AI chat and receipt scanning require an internet connection because they call an external AI service, but every other feature is available without one.
All three tiers store every byte of your financial data on-device. Free covers unlimited accounts, budgets, goals and debts, full PDF + CSV exports, 10 AI messages a day, and 3 receipt scans per month — enough for most people. Plus ($1.49/wk, $2.99/mo or $24.99/yr) raises AI to 50 messages a day, scans to 15 a month, and unlocks AI insights, forecast tools, weekly summaries, and encrypted backup & restore. Pro ($2.49/wk, $4.99/mo or $39.99/yr) adds 150 AI messages a day, unlimited receipt scans, advanced reports, and scenario simulation. Annual plans start with a 1-week free trial, and bringing your own AI key makes messages unlimited on any tier. You can upgrade, downgrade, or cancel from inside the app any time. Prices shown in USD; final App Store pricing may vary by region.
Yes. Pibo supports Bring Your Own Key (BYOK): point the app at any OpenAI-compatible endpoint — including a local Ollama server — from Settings. With your own provider, AI messages and receipt scans are unlimited on any plan, and with Ollama everything runs on your own hardware, so no chat data leaves your device at all. Your keys are stored only in the iOS Keychain and are never shared.
Yes — both annual plans (Plus and Pro) start with a 1-week free trial, so you can try every paid feature before you're charged. Weekly and monthly plans do not include a trial. The Free tier itself is free forever, with no card and no expiry.
Plus and Pro are auto-renewing subscriptions billed monthly or annually through Apple. Plans renew automatically unless cancelled at least 24 hours before the end of the current period. To cancel: open iPhone Settings → tap your name → Subscriptions → select Pibo Money → cancel. You can also manage it from the Profile tab inside the app. Access continues until the end of the current billing period.

Your money, stays home.

Pibo Money, in motion.