Apex
>AX · Personal finance, on device

Your money, on your device.

Apex reads the statements you download from your bank and card, sorts every transaction, and tells you how the month went in a sentence. It all happens on your iPhone, iPad or Mac. No account, no bank login, nothing uploaded.

> Coming soon to the App Store Tell me when it’s out

iPhone and iPad with iOS 26 or later · Mac with macOS 26 or later

Apex on the Mac showing example data. The September report reads: You kept $3,844 of what you earned in September. Net worth is $184,920, income $8,400, spending $4,556, with a chart of income against spending and what changed. Apex on iPhone showing example data: net worth $184,920, kept $3,844, spent $4,556, and a list of accounts.

Shown with Apex’s example data, a made-up household. Example data is labeled wherever it appears in the app.

How it works

Three steps, no sign-up.

Apex works from files you already have. It never connects to your bank, so there’s no password to hand over.

  1. Download a CSV

    Most bank and card websites can export your transactions. Download them as a CSV file, one month or a whole year.

  2. Bring it to Apex

    Choose the file, or on the Mac drag it onto the window. Apex finds the date, description and amount columns and skips anything it already has.

  3. Read your month

    Every transaction is sorted into a category. Your month comes back as a sentence, a few numbers and what changed since last month.

Features

The whole picture, in plain words.

Apex tells you where your money went, what changed and what you’re worth, without a spreadsheet.

The month in a sentence

“You kept $3,844 of what you earned in September.” Then what changed since last month, and a four-card recap you can share.

Spending by category

Each category against your own average, with the ones running high flagged. Recurring charges and subscriptions are found for you.

Net worth

Accounts from your statements, plus the ones you keep up by hand: a loan, a 401(k), a house. Debts show their APR, due day and a projected payoff month.

Ask in your own words

“How much did I spend on dining since July?” Type it or say it. Apex answers from your own transactions, and totals say how many transactions they came from.

Categories that learn

Fix a category once and Apex remembers it for that merchant. Add your own rules, rename merchants and leave notes on anything.

Yours to take

Export every transaction as a CSV whenever you like, or erase everything on the device in one step. Try it all first with example data.

Ask

Every number is computed, never guessed.

Apex works out what your question is asking for, then does the arithmetic itself, in code, from your transactions. A language model never adds anything up.

  • Totals show their sourcesAn answer with a total says how many transactions it came from, month by month.
  • Apple Intelligence, on device, when you have itIt helps Apex understand more ways of asking. It sees your question, never your transactions. Apex works without it.
  • Dictation stays on the deviceSpeech is turned into text on your iPhone, iPad or Mac, and only while you’re speaking.

Answers that sound like advice are marked “Informational, not financial advice”, because that’s what they are.

Ask on iPhone, with example data. Asked how much was spent on dining since July, Apex answers $1,046, with a bar for each month, from 30 transactions. Asked whether a $1,200 trip in December is affordable, it answers likely yes, marked informational, not financial advice. The September recap on iPhone, with example data: You kept $3,844 in September, 45.8% of what you earned.
iPhone · iPad · Mac

Built for each screen.

On iPhone, four tabs you can use with one thumb. On iPad and Mac, a full board with the month, your net worth and what changed side by side.

The Spending page on the Mac, with example data: spending by month against the average, and each category against its usual amount.

iPhone

Home, Spending, Ask and Net worth, plus the month recap. Lock it with Face ID.

iOS 26 or later

iPad

A sidebar and the large Overview, in portrait or landscape.

iPadOS 26 or later

Mac

A native Mac app. Drag statements onto the window, lock with Touch ID, ⌘O to import.

macOS 26 or later
Privacy

Your statements never leave your device.

Apex doesn’t collect any data. There’s no account, and the app makes no network requests at all. Read the privacy policy →

  • No account, no bank loginApex reads files you choose. It never asks for a bank password and never connects to a bank.
  • Nothing is uploadedOn the Mac, the app isn’t even allowed to use the network: its sandbox has no network permission.
  • Locked when your device isOn iPhone and iPad your data is encrypted while the device is locked, and you can add Face ID or Touch ID to the app.
  • No analytics, no ads, no trackingNo third-party SDKs of any kind.

Apex is coming soon.

For iPhone, iPad and Mac. Write to us and we’ll let you know when it’s on the App Store, and nothing else.

Tell me when it’s out Questions