Ellie Personal Finance

Ellie learns how you actually spend, and it does the learning on your own device. No account, no server, nothing uploaded. It gets sharper every month you use it. WHAT ELLIE LEARNS From the first receipt, Ellie remembers the shops you use — buy there again and the category, the account and the currency are already filled in. By your third month it starts proposing what a budget line really needs, from what you actually spend rather than what you guessed. It notices the bills that repeat, so the subscription you forgot about stops being a surprise. It works out how often you buy your staples — monthly, quarterly, or no pattern yet — and whether what you spend on them is drifting up. And it tells you when it does not know. A pattern takes three months before Ellie will call one, and it says so plainly instead of guessing. BUDGETS YOU ACTUALLY KEEP One number answers the only question that matters: can I spend this? By week, month, quarter, half-year or year. Ellie tells you whether you are on pace, not just what is left. START WITH THE MONTHS YOU ALREADY HAVE If you keep a budget spreadsheet, Ellie reads it straight from Files — months, categories and all. Your history counts from the first minute, and Ellie learns from it instead of watching you for three months. No spreadsheet? Ellie gives you a blank one set up the way it reads. RECEIPTS READ FREE, ON YOUR DEVICE Photograph a receipt and your iPhone reads it — the shop, the amount, the date, and the individual product lines, so you do not retype your shopping list. Nothing is uploaded and nothing is charged. REIMBURSEMENTS, FINISHED Turn the expenses you fronted into a real claim document — twelve formats built in — then track it from draft to sent to paid. The money comes back into your accounts when it lands. ANY CURRENCY, SIDE BY SIDE Hold dollars, euros, đồng, Singapore dollars — Ellie converts everything into the currency you count in, and one tap reads the same screen in another. Every figure carries the rate it used and the day it was taken. YOUR INVESTMENTS Record what you hold and set the prices yourself, or connect a market-data account you already have — SSI, Finnhub, Twelve Data, Marketstack — and Ellie refreshes your portfolio when you open it. SEVENTEEN REPORTS Spending, income, cashflow, forecast, profit and loss, savings rate, net worth, investment returns. Every one exports as a PDF. At month end, Ellie's close pulls the loose ends together — what is uncategorised, what is over budget, what you are still owed. WHAT ELLIE NEVER DOES No analytics. No crash reporting. No advertising or advertising identifiers. No third-party code of any kind — the app is built only on Apple's own frameworks. No sign-up, no password, no email list. Your data is never sold, shared, or used to train anything. Ellie is a tool for keeping your own records. It is not financial, investment or tax advice.