Home Accounts is a private, powerful personal finance app for iPhone, iPad and Mac — tracking every account, budget, subscription, and policy from one elegant home screen.
Home Accounts brings together every aspect of your personal finances — including on-device AI spending insights, camera receipt scanning, and Face ID security — in a single, beautiful app for iPhone, iPad and Mac. Your data stays private, always.
Six account types — bank, credit card, investment, loan, mortgage, and savings — each with real-time balances, cleared vs pending splits, and full transaction history. See your whole financial picture in one place, instead of logging into six different banking apps.
Set an overdraft or credit limit on any bank or credit card account, and a colour-coded status bar with a Limit Insights panel shows exactly how much is used, plus your top spending categories. Spot an overspend before it happens, not after the bank charges you for it.
On-device Apple Intelligence reviews your limit usage and top spending categories to generate a personalised 1–2 sentence insight on where to focus — entirely on your device. It's a private financial coach that never sends your data off your iPhone or Mac.
Point your camera at a paper receipt and on-device text recognition reads the merchant, date, and total, filling in the transaction automatically. Log a purchase in seconds instead of typing it out — and nothing is ever sent to a server.
Record a transaction in a different currency to the account it's posted to — enter the exchange rate once and Home Accounts converts and posts the correct amount automatically. Track spending abroad accurately without doing the maths yourself.
Enter your statement balance and mark transactions as cleared, and a live Difference tile shows the gap between your records and the bank the moment it hits zero. Know your books are right every month, not just hope they are.
Import a CSV export from your bank — Barclays, Lloyds, Santander, Halifax, NatWest and HSBC formats all work out of the box — and each row is automatically matched to an existing transaction and reconciled for you. Reconcile a month of transactions in a couple of clicks instead of ticking them off one by one.
Move money between two accounts in one action — a paired debit and credit are created automatically so both balances stay accurate. No double-entry bookkeeping, and no accidentally unbalanced accounts.
Set a monthly spending limit per category and watch a progress bar fill as you spend, turning red the moment you go over. Catch overspending in the moment, not when the statement lands.
See your spending broken down by category over any date range — a month, a quarter, or a whole year — to see exactly where the money went. Make informed decisions about where to cut back, backed by your own data.
Track stock and fund holdings inside an Investment account and see each position's market value and its percentage weight in your portfolio at a glance. Understand your total net worth, not just your cash balance.
Enter your APR, opening balance, and term to see your scheduled payment, remaining term, and total interest — then model overpayments interactively. Know exactly how much extra payments save you, in pounds and months, before you commit.
Enter your savings APR and enable monthly compounding, and Home Accounts projects your balance forward automatically. See what your savings will actually grow to — no spreadsheet required.
Flag recurring payments like Netflix, Spotify, or insurance and see your total monthly and annual cost, with annual plans converted automatically. Spot what you're really paying for subscriptions each year — and cancel what you don't need.
Log insurance and warranty policies with provider, premium, and renewal date, and policies expiring within 30 days are flagged with a warning indicator automatically. Never let cover lapse — or miss the chance to shop around for a better price.
Attach files — statements, mortgage offers, insurance certificates, tax returns — to any account, where they live alongside it and share via AirDrop, email, or any app in one tap. Stop hunting through email and folders — the document is already linked to the right account.
Protect the app with a password plus Face ID or Touch ID, and it locks automatically the moment it moves to the background. Your financial data stays private even if someone else picks up your phone.
Six distinct account types, each with its own metallic identity and purpose-built tools.
Current and savings accounts. Full transaction history with statement import.
Track balances, credit limits, and available credit at a glance.
Holdings tracker with market value and portfolio performance.
APR forecasting, scheduled payments, and overpayment savings calculator.
Full amortisation model. See interest saved from every extra payment.
Interest forecasting at 1, 2, 5 and 10 years with compound calculations.
The Limit Insights panel tracks your credit and overdraft utilisation in real time, ranked by top spending category. On Apple Intelligence-enabled devices, it goes a step further — generating a short, personalised insight on where to focus, entirely on your device.
Flag any transaction as a recurring subscription. Home Accounts groups them by payee, calculates your monthly and annual totals, and lets you set a review date — so you're prompted before the next billing cycle to decide if you still want it.
Mark any transaction as a coverage purchase — car insurance, home cover, warranties, travel policies. Home Accounts tracks the start and end dates and flags anything expiring within 30 days so you always have time to renew.
Add your APR, original loan amount, and term once and Home Accounts calculates your scheduled monthly payment, remaining term, and total interest outstanding. The interactive overpayment calculator lets you model extra monthly payments and instantly shows how many months you'll cut and how much interest you'll save.
Import PDFs, images, and any file type into the built-in Document Vault. Categorise by type — policy, statement, receipt, contract — link to an account, and set an expiry date. Every file is stored securely on your device, never uploaded anywhere.
A single one-time purchase unlocks every feature — no subscription, no recurring fees.
Price shown in GBP; local pricing may vary by region.
Home Accounts is available for iPhone, iPad and Mac for a one-time payment of £49.99 (or local equivalent) — no subscription. Your financial data always stays on your device.