Your Finances,
Under Control.
ByJo is a personal finance tracker built for clarity, not complexity.
See ByJo in action.
A closer look at the screens you'll use every day.
Everything you need. Nothing you don't.
ByJo brings your entire financial life into one private, focused app.
Net Worth at a Glance
Track 40+ asset types — cash, investments, crypto, real estate, vehicles, and more.
Goals That Keep You on Track
Set a savings target on any asset and watch your progress in real time.
Recurring Payments
Log subscriptions and regular expenses once. ByJo reminds you when they're due.
Spendmeter
Compare spending across days, weeks, months, and years to spot trends instantly.
Home Screen Widgets
Net worth, savings rate, and more — visible without opening the app.
Siri & Shortcuts
Add operations and transfers directly with your voice or from the Shortcuts app.
Asset Allocation
See exactly how your wealth is distributed across asset types.
Spending Categories
Tag every transaction with a category and instantly see where your money is going.
Your data never leaves your device.
ByJo is privacy-first by design.
Personal finance, explained.
Practical guides on net worth, privacy-first tracking, and money habits — without bank linking.
Track net worth without linking your bank
Build a complete wealth picture on iPhone — manually, privately, and under your control.
Read guide →What privacy-first finance tracking means
What stays on your device, what syncs, and how to keep financial data under your control.
Read guide →Net worth apps vs. budget apps
Cash flow and net worth solve different problems — here’s when you need each.
Read guide →Start free. Upgrade when ready.
Try ByJo free, then choose the plan that works for you.
Subscriptions are managed by Apple. Cancel anytime in Settings.