Your Complete Financial Picture, Private by Design
Persimmoney brings your net worth, budgets, income, debts, assets, investments and goals into one place — and generates your personal balance sheet. No account, no tracking: your financial data stays on your device.
Every Part of Your Financial Life
Ten focused workspaces that roll up into one complete financial picture — all computed on your device
Home Dashboard
Net worth, monthly cash flow and everything that needs attention — at a glance.
Budget & Receipts
Scan receipts with on-device text recognition, categorize spending and stay inside monthly budgets.
Income
Pay, side income and what you actually take home — sources, paydays and history.
Retirement
Accounts, income and Monte Carlo projections — see if your savings will last, and where they'd run short.
Assets
Homes, vehicles and valuables — valuations, modeled drift and equity over time.
Debt
Loans and cards with payoff plans — avalanche or snowball — and a projected debt-free date.
Portfolio
Holdings, quotes and performance. Bring your own market-data API key — stored in the Keychain.
Subscriptions
Recurring costs and renewals — see what's committed each month before it hits.
Goals
Targets, progress and milestones — attach goals to accounts, debts or assets.
Insurance
Policies, coverage and beneficiaries — kept with the rest of your financial record.
Your Personal Balance Sheet, Generated for You
Businesses track a balance sheet — you should too. Persimmoney combines what you own (assets, portfolio, retirement) with what you owe (loans, cards, linked debts) into a live personal balance sheet.
- Assets − liabilities = net worth
Watch the number that matters update as balances, valuations and payoffs change.
- Linked assets and debts
Tie a mortgage to a home or a loan to a car and see true equity — not just balances.
- Yearly snapshots
Every year becomes a comparable snapshot of your balance sheet — see the trend, not just today.
- Reports & exports
Generate PDF reports and portable exports whenever you need to share or back up your numbers.
Private by Design
Your financial life is the most sensitive data you have. Persimmoney is built so it never has to leave your hands.
On-device first
Everything is stored and computed on your device — receipts, budgets, projections, your whole balance sheet.
No account required
No sign-up, no email, no profile. Open the app and your finances are yours alone.
Encrypted export
Port everything in a passcode-encrypted .persimmoney-safe file. Only you hold the key.
Your keys, your quotes
Portfolio prices come from your own Finnhub, Twelve Data or Alpha Vantage key — kept in the Keychain, never exported.
Optional iCloud sync
Sync between devices through your private iCloud database — only if you turn it on.
Nothing to sell
No ads, no analytics on your finances, no data brokerage — the business model is the app, not your data.
From Pieces to Picture
Three steps to a complete financial picture
Add what you own & owe
Scan receipts, log income, and add accounts, assets and debts — as much or as little as you like.
Get the complete picture
Persimmoney builds your net worth, cash flow and personal balance sheet — on-device, instantly.
Plan what's next
Debt payoff dates, retirement simulations and goal milestones turn the picture into a plan.
See It in Action
Real screens from the app — no mockups required
About Persimmoney
Persimmoney is a private personal finance app that turns scattered accounts, receipts and plans into one complete financial picture — and a personal balance sheet you can actually use. It started as a smart receipt scanner and grew into a full financial companion.
Founded by Prism Apps LLC, we're committed to tools that work for you, not advertisers: on-device first, encrypted export, and no account required.
Company Information
Atlanta, Georgia
Frequently Asked Questions
Everything you want to know about private personal finance
What is a personal balance sheet?
A personal balance sheet lists everything you own (assets like homes, vehicles, investments and cash) minus everything you owe (mortgages, loans, cards) to produce your net worth. Persimmoney generates yours automatically from the assets, debts, portfolio and retirement accounts you track, with yearly snapshots so you can compare over time.
Is Persimmoney really private?
Yes. Persimmoney stores and computes all financial data on your device — no account, no analytics on your finances, and nothing is sold. Optional iCloud sync uses your private Apple database, and exports are passcode-encrypted .persimmoney-safe files.
Does Persimmoney connect to my bank accounts?
No. Persimmoney never asks for bank credentials. You enter balances and transactions directly or scan receipts with on-device text recognition — a deliberate design choice that keeps your financial data off third-party servers entirely.
What can I track with Persimmoney?
Ten workspaces cover the full financial picture: net worth dashboard, budgets and receipts, income, retirement simulations, assets and equity, debt payoff plans, portfolio analytics, subscriptions, financial goals and insurance records.
Is Persimmoney free?
Persimmoney is free to download on the App Store with no account required. Optional paid subscriptions are managed through Apple.
See Your Complete Financial Picture
Download Persimmoney and get your personal balance sheet in minutes — privately, on your device