Banktivity review
A deep personal finance tool for Apple users who want budgeting, investing, and planning.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Banktivity is personal finance software for individuals and families using Apple devices. It brings budgeting, bill scheduling, account tracking, investment portfolio management, net-worth reporting, financial goals, and retirement planning into one product. Users can choose category budgeting or envelope budgeting, plan monthly spending, fund future envelopes, schedule recurring transactions, and enter transactions manually or import files. Automatic bank downloads add account connectivity for users who prefer less manual maintenance.
Its strongest fit is the Apple ecosystem. Banktivity runs natively on macOS, iPhone, and iPad, with encrypted cloud synchronization across Apple devices. Integrations with Plaid, Yodlee, Salt Edge, and OFX support bank connectivity, while Apple Shortcuts and Apple Handoff extend its fit within Apple's platform. QIF, TXF, and CSV exports provide additional flexibility for reports and financial records. This combination makes Banktivity more suitable for Apple-focused households than for people who need broad cross-platform coverage.
The feature depth also matters for users whose needs go beyond basic expense tracking. Investment tools include IRR, ROI, lots, and dividends, while reporting covers net worth and broader financial activity. Banktivity offers a 30-day free trial and paid Bronze, Silver, and Gold plans, with annual and monthly in-app purchase options shown in the official US App Store listing. The starting annual price is $59.99. Choose it if you want budgeting, investments, planning, and Apple-device synchronization together; choose an alternative if you need a free option or support beyond macOS and iOS.
Banktivity pros and cons
- Where it wins
- Combines category and envelope budgeting with bill reminders
- Tracks investments, net worth, goals, and retirement planning
- Supports encrypted Apple-device sync and multiple export formats
- Where it doesn't
- Runs only on macOS and iOS
- No free plan is available
- Annual pricing starts at $59.99
Banktivity fact sheet, pricing and score →
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