The private finance super-app

Your finances are nobody's business.
Not even ours.

Spending, borrowing, investing, taxes — your complete financial life in one beautiful app that computes everything on your device, and shares nothing with anyone. Ever.

Join the waitlist See the app
Private beta · iPhone first · Invitations sent in small waves
  • No account
  • Works offline
  • On-device processing
Accio Money home screen with a monthly financial overview
Processed on your iPhoneYour financial data stays with you
15+ decision toolsAnswers based on your numbers
100%
On-device

Your financial data stays on your iPhone

Zero
App accounts

No Accio login or financial profile

15+
Decision tools

From debt choices to retirement planning

Four
Money views

Spending, debt, investing and cash flow

Built for real life

Less money admin.
More confident decisions.

01

Know what is safe to spend

See what remains today after bills, goals and recent purchases—not just a monthly total that is already out of date.

02

See the whole picture

Bring spending, loans, cards and investments into one calm view, so important changes are easier to notice.

03

Keep control of your data

Get useful calculations without creating an Accio account or placing your financial life in our cloud.

The collection

Four chapters of
your money story.

Accio Money Spends tab showing category limits, monthly spending and top expenses
Chapter I — Spends

Where it goes, without asking

Purchases sort themselves the moment they happen. A living budget shows what's safe to spend today — not what a spreadsheet said last month.

Accio Money Debt tab showing repayments, loans and credit cards
Chapter II — Debt

Borrowing, with the upper hand

Every loan, installment and card in one clear ledger. Know what to pay and when — and let the right card earn you rewards on every purchase.

Accio Money Invest tab showing portfolio returns, holdings and allocation
Chapter III — Investments

Performance, told honestly

Your entire portfolio — added in minutes — with true annualised returns. See what genuinely grows your wealth, and what only appears to.

Accio Money Home tab showing monthly cash flow, goals and financial progress
Chapter IV — Home

Your whole month, one glance

Inflows, outflows and what's left to live on. One screen tells you if you're on plan — before you overspend, not after.

More than tracking

Turn a money question into
a clear decision.

You ask Accio“Should I use a lump sum to prepay my loan, or invest it?”
Loan rateTaxesTime horizonRiskExpected return
Accio compares both paths

You see the cost, likely outcome and trade-off side by side—using your loan details and investment assumptions.

Advanced tools

The questions advisors
bill by the hour for.

Decisions a good financial advisor would charge for — answered with your own numbers, privately, in minutes.

i.

Retirement Planning

The day you can stop working, and the path that gets you there.

ii.

Prepay vs Invest

Kill the loan or grow the money? Settled with your own numbers.

iii.

Buy vs Lease

The true cost of the car — cash, loan or lease — before you commit.

iv.

Capital Gains & Tax Packs

Filing-ready tax reports for five countries, in minutes not weekends.

v.

Tax Filing Guide

Your return, decoded — with a step-by-step fill-along guide.

vi.

Market Timer

Invest now or wait — a clear call, tuned to your appetite for risk.

vii.

Loan & EMI Calculator

See what every installment truly costs — and how small prepayments shrink it.

viii.

Reward Maximizer

Which card to swipe, decided before the bill arrives.

ix.

Rebalance & Optimize

Spot the laggards, keep the winners — with taxes accounted for.

…and more, with new tools every season.

Full-screen Penny chat answering questions about spending
Quick answer Half-screen Penny quick answer about a grocery budget
Meet Penny

An assistant
sworn to secrecy.

Ask about your money in plain words — by voice or chat. Penny reasons over your numbers entirely on your device: a private banker who never leaves your pocket, and never talks to anyone else.

Why we built Accio

We were tired of choosing between
understanding our money and keeping it private.

Every finance app asked the same price: hand over your transactions, your loans, your portfolio — to someone else's servers — in exchange for insight. We didn't think that trade should exist. Modern iPhones are powerful enough to do a financial advisor's arithmetic locally, so we built the app we wanted: everything understood, nothing shared. If that's the deal you've been waiting for, we saved you a seat.

— The Accio Studio team

The promise

Privacy isn't a feature here.
It's the architecture.

Accio Money processes all of your financial data on your iPhone. It has no user accounts and operates no servers that receive your financial information. Everything Accio knows lives inside your phone — and only there. Delete the app, and it's as if you were never here.

The airplane-mode test: switch off the internet, and Accio keeps working — categorizing, calculating, answering. Proof there's no server in the loop.

100%
On-device
Zero
Data collected
None
Accounts required
Always
Works offline
Simple by design

Start with the essentials.
Pay only when you need more.

Core app

Free

Understand the day-to-day shape of your money without advertising or selling your financial data.

  • Spending and living budget
  • Debt and card overview
  • Investment tracking
  • Monthly financial home
Paid plan · price before launch

Advanced decisions

For deeper questions that would otherwise need several spreadsheets—or an advisor's time.

  • Penny, your on-device assistant
  • 15+ financial decision tools
  • Tax and capital-gains packs
  • Founding waitlist members get early pricing
Questions, answered

The things you should
ask a money app.

Is Accio Money safe?
Yes. Accio Money processes all financial data on your iPhone, protected by your device's passcode, Face ID and hardware encryption. There is no Accio server holding your financial information — so there is no central database to breach.
Does Accio Money sell or share my data?
No. Accio cannot sell or share your financial data because it never receives it — everything is computed on your device. Accio is not funded by advertising or the sale of data.
If everything is on my phone, what happens if I lose it?
Your information is protected by your iPhone's passcode, Face ID and device encryption, and it's included in your own encrypted iPhone backups if you have them enabled. Additional private backup options that you control are on the roadmap.
Is there an account inside the app?
No. The early-access email is used only to send your invitation. Inside the app, Accio never asks for an email, phone number or login.
How does Penny stay private?
Penny processes your questions and financial context on your device. You can confirm the core experience by using the app with no internet connection.
How is Accio different from Mint, YNAB or other budgeting apps?
Most finance apps upload your transactions to their servers to analyse them. Accio does the analysis on your iPhone instead, so your financial life never leaves your device. It also goes beyond budgeting — debt, investments, taxes and 15+ decision tools in one app.
How much will Accio cost?
The core app will be free. Advanced decision tools and Penny will be part of a paid plan, with pricing shared before launch — and founding waitlist members will lock in early pricing. Accio is not funded by advertising or the sale of your data.
Is there an Android version?
Accio launches on iPhone first. Join the waitlist and you'll be the first to hear about other platforms.
When are invitations sent?
Invitations go out in small waves so feedback can shape the product. iPhone comes first, and every wave is announced to the waitlist by email.

Take your seat.

Early access is limited. iPhone first. Founding members lock in early pricing before public launch.