Description
Cetus is a complete personal finance tracker that runs on your device. No account, no sign-up, no bank connection. Your financial data is encrypted on your iPhone and iPad and is never uploaded.
EVERYTHING IN ONE PLACE
• Accounts for checking, savings, cash, credit cards, investments and loans, with balances, credit limits and utilisation
• Income, expenses and transfers with merchant, category, tags, notes and photo receipts
• Net worth tracked over time, split into assets and liabilities
• Custom categories and subcategories with your own colours and icons
BUDGETS THAT KEEP UP
• Weekly, monthly or yearly budgets across any set of categories
• Per-category monthly limits with live progress
• Recurring bills, subscriptions and income on daily to yearly schedules, with a monthly-equivalent total
• A financial calendar of what is coming up
GOALS AND DEBTS
• Savings goals with target amounts, target dates and planned monthly contributions
• An estimate of how many months each goal will take at your current rate
• Debt tracking for credit cards, mortgages, student, auto and personal loans
• APR, minimum payment, monthly interest and an estimated payoff horizon
REPORTS AND INSIGHTS
• Income versus expenses over 3, 6 or 12 months
• Spending by category, top merchants and month-over-month comparisons
• A financial health score out of 100, built from your savings rate, net worth, emergency buffer, debt load and budget adherence
• Automatic insights that flag rising spending, a strong savings rate or budgets running over
PRIVATE BY DESIGN
• All data encrypted at rest with AES-GCM, with the key held in the iOS Keychain
• App Lock using Face ID, Touch ID or your device passcode
• Privacy Mode hides every amount at a glance
• Export your data to a portable backup file and restore it on any device
• Erase everything from the device in a single step
MADE FOR iPHONE AND iPAD
• Built with SwiftUI and Swift Charts
• Dark-first monochrome design with selectable accent colours, plus light and system themes
• Eight currencies: USD, EUR, GBP, CHF, CAD, JPY, AUD and CNY
Cetus does not connect to your bank, does not ask for personal details and contains no advertising or tracking.
