A calm,precise homefor yourmoney.
Every account in one wallet. Entries in seconds, or without opening the app at all. Budgets that show their pace, and a net worth that never invents a past it does not have. Pico is a personal finance app for iPhone that treats the decimal place as the point.
A pico is a trillionth: the smallest unit anyone bothers to name. Money is the domain where small errors compound, so the name is the promise.
What you own,what you owe.
Seven things Pico does, covering the whole of a month: what you have, what you spend, what you plan, and what it all adds up to.
The wallet
Twenty-one kinds of account in one stack: cash and debit, chequing, savings and fixed deposits, credit cards, loans, money lent and borrowed, brokerages, and the transit and membership cards that hold value but are not net worth.
- Cards, loans, deposits
- Points and passes
- Excluded from net worth
Entries in seconds
A keypad that does arithmetic, so a split bill is typed rather than worked out first. Each entry carries its account, category, currency and note, and can be tagged to the person it was really for, or to the shop it was paid to, without splitting into two rows. Or skip the keypad: say it to Siri, tap Apple Pay, or let your bank's text do it.
- Expression keypad
- Foreign currency
- Siri, Apple Pay, bank SMS
Plan
Budgets that show their pace against the month's clock, not just a total. Recurring rules and subscriptions that are confirmed when due rather than posted behind your back. Savings goals that hold money aside without spending it. Trips and events that gather a run of spending into one figure.
- Pace, not just totals
- Confirm when due
- Earmarked goals
Net worth
Everything you own minus everything you owe, drawn over time. The line begins where your dated history begins: Pico will not invent a flat past to make an early chart look fuller than the record supports.
- Assets and liabilities
- Dated history only
- 1M to all-time
Books
Keep personal money and a side business in separate ledgers, with an account shared between them where it genuinely is one account. Exchange rates are held per book, from the European Central Bank's published daily table or typed by hand, and a combined total that cannot be priced says so rather than showing a wrong number.
- Several ledgers
- Shared accounts
- Per-book rates
Nothing lost
Deleting moves things to a Recycle Bin. Emptying it is the only real delete in the whole app. And the entire library exports to one JSON file you keep: every ledger, account, transaction, budget, rule, goal, holding and rate.
- Soft delete
- One-file export
- Replace or merge
On the Home Screen
Three widgets: net worth, what is left to spend this week, and a square for every day of spending, which opens the keypad when tapped. An Add Expense button sits in Control Center or on the Lock Screen. The widgets read a small summary the app writes as it closes, and with App Lock on they show no figures at all.
- Net worth at a glance
- Add Expense control
- Blank under App Lock
Say it. Tap it.It is logged.
A budget only works if the entries go in, and typing every one is where most people stop. So Pico takes them however they happen.
Say it
“Hey Siri, log an expense in Pico.” Then talk the way you would to a friend: “I spent $20 at Tim Hortons on a bagel.” Pico files the shop, the category and the note, and asks how you paid only until it has learned how you pay there.
Tap to pay
An Apple Pay payment becomes an entry the moment you tap. It takes a one-minute automation in the Shortcuts app, which Pico walks you through and then tells you when it is working.
Let the bank tell it
In India every debit sends a text, UPI included. Pico reads HDFC, SBI, ICICI, Axis, Kotak and most other banks' messages, ignores credits and one-time passwords, and turns a cash withdrawal into a move to your cash account rather than a spend.
Scan the receipt
Point the camera at a receipt and the keypad fills in the total, the shop and the date. It reads the line that says total, not the subtotal or the tax, and the photo is not kept.
A shop it has never seen gets “What was it for?”. A dinner “with Priya” gets “Split it evenly?”. Two trips at once gets “Which trip?”. Anything you already said is never asked again.
Each source can save straight away or wait for a one-tap check, from the app or the notification. Apple Pay and the bank reporting the same purchase become one entry, and a capture that cannot be saved waits with the reason instead of vanishing.
“How much did I spend this week?” “How much is left for food?” “What do I owe on my Visa?” Ask Pico answers from the same arithmetic as the screens, and a recap arrives on Sunday evening.
Only the spend is kept
A bank message carries your balance and a reference number as well as the spend. Pico reads it on the phone, keeps the amount, the payee, the date and the account’s last digits, and lets the rest go. It cannot open your messages or your Wallet by itself: it only ever sees what an automation you built hands it, and you can try any message in the app first to see exactly what it reads.
Sent Rs.340.00 from Kotak Bank AC X1234 to swiggy@ybl on 04-10-26.UPI Ref 627812345678
- Amount₹340.00
- Accountending 1234
- Paid toSwiggy
- Date04-10-26
- Paid withUPI
- ReferenceLet go
The app’s own sample, from Try it in Quick Capture
Light by day.Black by night.
Real screenshots from the build, not renders. Tap any one to see the set full size.
Left to spend, what's owed, bills due
Every account as a card, in one stack
Searchable, filtered, day by day
Budget pace against the month's clock
Assets minus liabilities, over time
What a trip cost, pinned where it happened
True black, warm ink
Dark mode is drawn, not inverted. The canvas goes to true black so an OLED screen actually switches those pixels off, while surfaces lift in a navy that is mixed from the same ink as the light palette. The money colours hold their meaning in both: sage for in, clay for out.
Plate · #000000The app’s own dark canvas
A holiday isnot a folder.
3,274 cities, built in.
Countries and cities ship inside the app, from the public-domain Natural Earth data, so picking a destination works with no signal at all. Apple Maps is there for the ski town the list does not have, and only when you ask for it.
- 238 countries
- Works offline
A holiday isnot a folder.
- 01 / Places
3,274 cities, built in.
Countries and cities ship inside the app, from the public-domain Natural Earth data, so picking a destination works with no signal at all. Apple Maps is there for the ski town the list does not have, and only when you ask for it.
- 238 countries
- Works offline
- 02 / Home
It never asks where you are.
Pico requests no location permission and cannot read your position. Until you choose a home, your paths start from the country of your main currency, and the globe says that is where it got it.
- No location permission
- Home from your currency
- 03 / Paths
Drawn the way you went.
Tag a trip and Pico draws it: a pin where you went, and a path in the style you travelled. Flights arc over the earth. Cars, trains and ships run along the ground, each in its own line.
- Flight
- Car
- Train
- Ship
- 04 / Every pin
Every pin is a place you chose.
The globe turns by itself from country to country, or you can take it in your hand and spin it. A trip with no place, like a wedding at home, still counts in the totals. It simply has no pin.
- Turns by itself
- Spin it by hand
It is a grouping, not a bucket. An entry keeps its account, its category and its place, and simply also belongs to a trip. So the Kyoto total is a sum of the same rows already counting toward Food & Drink and toward the travel card. Nothing is moved and nothing is counted twice, and taking an entry back out changes nothing else about it.
Give it dates and it does the filing for you: everything logged while the trip is running joins it by itself, and anything already logged inside those days can be swept up in one tap. A trip can carry its own budget in its own currency, because a Europe budget is set in euros. And it does not have to be travel at all. A wedding, a renovation and a course all behave the same way.
Nothing itcannot prove.
Most finance apps are judged on what they show you. Pico is built around what it refuses to show you.
Numbers line up
Tabular figures, so a column of money aligns on the decimal point. Negatives carry accounting parentheses as well as colour, which is what a red-green colourblind reader actually reads.
Real minor units
Currencies are not all two decimal places, and Pico does not pretend otherwise. Rounding is banker's rounding, applied once, where the arithmetic ends.
Prices carry their date
There is no market feed. Holding prices are typed by you and stamped with the moment you typed them, and every figure derived from one is labelled with that date. Nothing is dressed up as live.
A rate says which day it is from
Exchange rates can come from the European Central Bank's published daily table, which is a reference rate set once each business day and not a dealing rate. Pico stores the day the bank published it, not the day it was downloaded, and shows that date. Over a weekend those differ, and a Saturday entry quietly taking Friday's number while claiming to be today's is exactly the error the date is there to prevent.
The tips do arithmetic, not guesswork
Pico notices things: a subscription that renewed, a budget running hot, a balance heading low. Every line it says traces back to a rule you could read and a sum you could check. No model writes them. Where Pico does use Apple's on-device model, it is only to read a messy sentence or receipt into fields, and an amount the rules can read always beats the model's.
- Platform
- iPhone · iOS 26
- Status
- TestFlight beta
- Price
- Free · Pico Plus is optional
- Account
- None. There is nothing to sign up for
- Sync
- Your own private iCloud database
- Currencies
- CAD · INR · SGD · USD
- Logging
- Keypad · Siri · Apple Pay · bank SMS · receipts
- Widgets
- Three, plus an Add Expense control
The ghost is the one place Pico speaks up. It only ever says something a rule detected and a sum can prove, which is why it is allowed to be charming.
We never receiveany of it.
Not a policy promise you are asked to take on trust. There is no NIXE Labs server for Pico to reach, and nothing in the app that would send a ledger anywhere.
Every request the app makes only reads · The privacy policy lists each one
No analytics SDK, no crash reporter, no advertising identifier, no third-party code of any kind. Nothing to opt out of, because none of it was ever switched on. Every request the app makes only reads: it downloads, and it uploads nothing.
There is no Pico account, so there is nothing to sign up for and nothing for us to hold. Your books live on your device. If you are signed into iCloud they also mirror to your own private CloudKit database. That is Apple’s infrastructure, sitting under your Apple Account, and we cannot read it. We run no servers for this app.
The app asks for three permissions, each only when you reach for the feature behind it: Face ID, if you turn the lock on; notifications, for a daily nudge, a captured spend to check, or a Sunday recap; and the camera, if you scan a receipt. Notifications are scheduled by your own phone. A captured spend or the recap can show an amount on the Lock Screen, and with App Lock on none of them do.
Quick Capture keeps the same line. A bank message, an Apple Pay payment or a receipt is read on your iPhone, and only the spend is kept: amount, payee, date and an account’s last digits, never the message itself. Pico cannot read your messages or your Wallet on its own; it sees only what an automation you set up hands it.
Pico is not a sealed box, and the privacy policy says exactly where it is not. It reads a published exchange-rate table, it can ask Apple Maps to find a place you typed, and it hands its two links to Safari. All three are listed there in full, with what each one sends, which is nothing about you.
Nothing to create, nothing to recover, nothing to breach.
The privacy manifest declares zero tracking domains and zero collected data types.
SwiftUI, SwiftData and Apple frameworks. Nothing else is linked in.
No request the app makes carries a body. Your entries are read from the device and written back to it.
Bank texts, Apple Pay details and receipts are understood on the device, with Apple's on-device model where it is available. Nothing is sent to read them.
Sync runs through your private CloudKit database. We have no access to it.
One JSON file with everything in it, whenever you want it, without asking us.
iCloud copies deletions too. Pico says so on the first run, and again in Settings.
Planned.Not shipped.
None of this is in the beta. It is listed here so you can see where Pico is going, not what it already does.
Try it onyour own month.
Pico is in a private TestFlight beta on iOS 26. Tell us how you keep track of your money today and we will send you a build. It is free to use, Pico Plus is optional, and nothing you enter reaches us.
Request Beta Access