iFinance 5

• Price: $19.99
• In-app purchases

Last verified 31 Jul 2026

4.4 140 ratings · App Store

1. 4/5Good, But With A Few Caveats

   I like it so far, however, a few parts seem confusing to me. For example, figuring out how to set up an annual budget is easy, but it doesn't seem as easy to set up an overall monthly budget with categories. I can't find a way to do this. Instead, it seems I have to make a "custom budget" for each individual category, but then when I move to the next month, I can't change the amount to budget for that category without it going back and changing the previous budget's amount as well. This is quite frustrating because this is something I can do EASILY using other budgeting software, like Mint. Things don't cost the same amount every single month. I should be able to budget $100 for groceries in July and then $200 in August. I should also be able to easily make an overall monthly budget. These are HUGE oversights in my eyes.

   Unemployed Fatty · 31 Jul 2026

2. 5/5Still essential

   I use credit cards to keep my credit score up, but always pay them off monthly. I also track various store credit accounts and savings accounts. I’ve used iFinance since version 4 to balance my finances every week, and it’s still essential at the start of 2024. I don’t use the IAP of online connections to banks, that way every transaction I enter is one I recognize. When a transaction hasn’t been paid off, I can flag it so it stands out later. Recurring transactions like savings deposits are easy to set up automatically. When I pay a credit card from my debit account, it’s as easy as selecting last month’s payment and duplicating it for today, then changing the amount. The transactions have a line for a check number, but I don’t use checks, so I copy & paste transaction confirmation codes from the bank there. It’s easier than keeping the emails in case there is any question if I made a payment later. Developers- adding additional, customizable info lines would be helpful. Other positives are how I can add images to bank accounts, allowing me to see at a glance what card is what account. Again, devs, adding a custom line I can see in the main window would help, since I have one card that I only use on automotive stuff, and another that’s just for medical bills. I’d like to see that info readily. The best part of this app, which I didn’t find in others, is nesting. I can have one folder containing savings accounts, all individual but totaled together. In another folder, I can have a sub folder of debit accounts, with a second folder of credit card accounts. That way, I get a subtotal of liquid cash and a subtotal of outstanding debt, with the top-level folder showing the combined value of the two, positive or negative. This is also how I budget, since I add an additional folder for future recurring transactions I know will come out of the budget, like the monthly Apple One subscription. It stays in the Upcoming folder until it’s active under the actual charge account. This iFinance 5 app is essential for my personal needs.

   Zero Ehxe · 31 Jul 2026

3. 1/5A true downgrade

   I’ve been using iFinance for maybe 10 years or so and over a few upgrades. None were perfect but about the only decent register for a Mac. I usually don’t buy upgrades when I’m satisfied with what I have but this time I decided to give it a spin. Boy was that a mistake. Version 5.5 is about as confusing and non-functional as they get. Not sure what country these developers are in or if the even know anything about finances. When you enter a payment you’d think it would be the “title” for the transaction but you’d be wrong. The title is now entered into the “Purpose” field which most people would think that would be a comment on what the transaction is for. Syncing between an iPhone and the laptop is impossible for me. The migrating notice displays and never ever does anything after an hour. Want to reconcile your account? You can forget that too. There is no place to enter your banks beginning and ending balance. How do you reconcile without that little piece of information. Glad some of you had good luck but for me this one is going in the trash and going back to version 4. A true waste of $20

   GaroMac · 31 Jul 2026

4. 4/5A failing app and support

   I have been an iFinance user since version 3; 7 years. I had very few problems with any version through version 4. However, since upgrading to iFinance 5 on both my Macintosh and iPhone, the capabilities of both apps have progressively deteriorated. Late in 2022 the Macintosh app lost its ability to calculate the value of stocks using the shares owned and the market prices. Contact with Synium received "We cannot duplicate that issue" and there it ended. This year the iPhone app also lost its ability to calculate the value of stocks. Now the Macintosh app has lost its ability to correctly add the total value of assets which have been designated in the app to be included. This time contact with Synium received; "There some customers who experienced this while using a VPN or firewall that block server connections. We just got a few cases where the customer seems to not use any of those and still got this issue but we were never able to recreate it. However, we will try to improve this with one of the next updates." Updates to both came in today (6Mar24), but these still issues persist. I tried removing and downloading the apps to no avail. In fact I get the same problems if I enter stock data in their "Demo" sample app.

   DeusxMac · 31 Jul 2026

5. 5/5Fantastic Finance App

   The Synium team has done an outstanding job with this app! With iFinance 5 you have a solid alternative to some of the other finance apps! I'm not using the online account connections but for direct entry iFinance 5 works flawlessly and has an easy to use and great looking interface. This app has so many great features to help manage personal finances - it's a pleasure to work in and explore this app. The Analyses/Reporting section takes some getting used to but with right Account / Category setup it's extremely powerful with the built-in flexibility to customize. A key point for me was the iCloud sync, which others don't offer. 5 stars!

   MichaelF603 · 31 Jul 2026

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