Your wealth, your rules.
CTRCH is a calm, premium personal finance companion that helps you take control of your money — without ever sharing a byte. Track accounts, transactions, budgets, goals and bills in a single, beautifully designed app.
Get support Explore featuresEverything that matters for money clarity
A focused toolkit designed to give you a calm, complete view of your finances — no clutter, no upsells, no network calls.
All accounts, one place
Checking, savings, credit cards, investments, real estate and loans — combined into a single net-worth view with a 12-month hand-drawn trend line.
Capture every detail
Record income, expenses and transfers with categories, tags, notes, currencies and receipt photos taken straight from the camera or photo library.
Cash flow at a glance
Interactive crosshair on the cash flow chart, a tappable donut of spending categories, savings rate and a six-month heatmap of daily outflows.
Budgets & goals
Set monthly category budgets, define savings, debt-payoff or travel goals with contribution progress, and never miss a bill thanks to smart overdue alerts.
Custom SwiftUI engine
Area, line, donut, bar, sparkline and heatmap charts rendered on a Canvas with gesture-driven interaction — zero third-party dependencies.
20+ currencies
Multi-currency support with editable reference rates, automatic conversion in totals, charts and per-account balances.
Built around four promises
CTRCH is designed to feel like a calm, premium tool that puts your financial clarity first.
Private by design
No login, no bank connection, no notifications, no uploads. Your data lives only on your device.
Always in your control
All data is stored locally in JSON. Back up and restore manually through the Files app whenever you wish.
Beautifully focused
A clean, premium aesthetic that turns numbers into a calm, easy-to-read story of your money.
Free of distractions
No ads, no trackers, no upsells. Just the tools you need to understand and grow your wealth.
A look inside CTRCH
A glimpse of the dashboard, charts and plans that make CTRCH a delight to use every day.
Your privacy is non-negotiable
CTRCH never asks you to log in, never connects to your bank, never sends a notification and never uploads a byte. Read the full Privacy Policy.
Account-free
Open the app and start tracking. No email, no password, no account required.
Manual & yours
You decide what to record. CTRCH never asks for bank credentials and never syncs to a server.
Stored locally
Everything is saved as JSON on your iPhone, exportable via the Files app whenever you choose.
Frequently asked questions
Quick answers to the things people ask most about CTRCH.
Does CTRCH require an account?
No. CTRCH has no login, no signup and no account. All data lives privately on your device.
Does CTRCH connect to my bank?
No. CTRCH never asks for bank login details and never connects to any financial institution.
How is my data stored?
All transactions, accounts, budgets, goals and bills are stored locally on your device in JSON. You can back up and restore through the Files app at any time.
Which currencies are supported?
CTRCH supports 20+ currencies with editable reference rates so totals and charts stay accurate as rates change.
How can I get help?
Visit the Support page to reach the team directly by email.