I use credit cards to keep my credit score up, but always pay them off monthly. I also track various store credit accounts and savings accounts. I’ve used iFinance since version 4 to balance my finances every week, and it’s still essential at the start of 2024. I don’t use the IAP of online connections to banks, that way every transaction I enter is one I recognize. When a transaction hasn’t been paid off, I can flag it so it stands out later. Recurring transactions like savings deposits are easy to set up automatically. When I pay a credit card from my debit account, it’s as easy as selecting last month’s payment and duplicating it for today, then changing the amount. The transactions have a line for a check number, but I don’t use checks, so I copy & paste transaction confirmation codes from the bank there. It’s easier than keeping the emails in case there is any question if I made a payment later. Developers- adding additional, customizable info lines would be helpful. Other positives are how I can add images to bank accounts, allowing me to see at a glance what card is what account. Again, devs, adding a custom line I can see in the main window would help, since I have one card that I only use on automotive stuff, and another that’s just for medical bills. I’d like to see that info readily. The best part of this app, which I didn’t find in others, is nesting. I can have one folder containing savings accounts, all individual but totaled together. In another folder, I can have a sub folder of debit accounts, with a second folder of credit card accounts. That way, I get a subtotal of liquid cash and a subtotal of outstanding debt, with the top-level folder showing the combined value of the two, positive or negative. This is also how I budget, since I add an additional folder for future recurring transactions I know will come out of the budget, like the monthly Apple One subscription. It stays in the Upcoming folder until it’s active under the actual charge account. This iFinance 5 app is essential for my personal needs.

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This app in order to be the best of the best needs a calendar for bill tracker and needs to keep track of loans(Mortgage)

There are several areas for improvement, but support is very slow responding back. This could be the best App for personal finance in the whole App Store, but they need to listen to the customer suggestions and keep a good communication.

Where is this function on the latest version??

The synchronization feature that I value most is completely not working! It used to work and I could "enable network discovery" and sync data for all devices, but now I can only use it on my Mac and can't sync it to my iPhones (both iPhone 7 and iPhone 11) and iPad 8. To be honest, this app is useless even with now the discounted price of $16.99. I would like to enter an expense on the go, but now it's not working. I stuck with using only my Mac. Please fix this immediately. I have had this syncing issue with this app for at least 4 months (since Sep 2022), and was hoping someone might report this same issue and it will get fixed. However, after so long without a solution, I decided that I will write this review to get my message across. I don't usually write reviews, but I felt I really have the need to do so now!

Works like a charm. It is complex in some fields but overall is really good.

I was one of the beta users for version 5; it had some glitchs but not as many as now. It seems to "freeze" between actions. Even the many colored circle of unknown comes up after and during the time the computer is to act on the program The version is very slow; I have never been able to link with my bank directly but could import the data in a timely manner, that does not occur. Please look into it, it has some good features but the bad is hard to overlook.

Once you buy the program, you still cannot connect any of your accounts without purchasing a recurring subscription from Synium. Would be nice to know the program is useless without additional cost before extracting the purchase price.

Have been using the iOS and Mac versions of this app for about a year now for tracking my expenditures across my 2 credit cards and checking account. My needs are fairly simple and straightforward, and this app has met my expectations nicely. What I like: support for import file formats (both on my Mac and on my iPad), iCloud syncing between my devices, automatic classification expenses into categories, and tracking of mutual fund performance. iFinance has capabilities that I’m not using, and I find its interface to be a bit complex. However, this really meets my needs nicely. Highly recommended.