Your Personal Finance - ByJo

ByJo is a smarter alternative to spreadsheets for managing your personal finances. Whether you're building wealth, tracking spending, or working toward financial goals, ByJo gives you a clear, beautiful picture of where you stand — completely privately.

YOUR MONEY, YOUR RULES
All data stays on your device. No accounts, no servers, no sharing. What's yours stays yours.

TRACK EVERYTHING YOU OWN
Add 40+ asset types — cash, bank accounts, crypto, real estate, stocks, ETFs, vehicles, and more. ByJo calculates your real net worth across all of them in one place.

SMART SPENDING INSIGHTS
• Spendmeter — compare today to yesterday, this week to last week
• Monthly Summary — income vs. expenses at a glance
• Top Expenses — know exactly where money goes
• Savings Rate — measure how much of your income you keep
• Asset Allocation — visualise your portfolio mix
• Expense Breakdown & Trends — widgets for spending mix, net worth history, and savings rate over time

WALLET AUTO-LOG
Set up a Shortcuts automation so every card tap can land in ByJo. Assets and categories are matched or created for you.

OPERATION SPLITS & CATEGORY BUDGETS
Split a single transaction across multiple categories. Set a monthly budget per category and keep spending in check.

RECURRING OPERATIONS
Set up daily, weekly, monthly, or yearly recurring income and expenses. ByJo reminds you when payments are due and keeps a full history so nothing slips through the cracks.

FINANCIAL GOALS
Set a target amount for any asset, pick a due date, and watch your progress. Pin a goal to keep it front and center. Celebrate milestones — completed goals stay in your history forever.

FUND TRANSFERS
Move money between assets with a single swap. Both sides of the transfer are linked so your totals always add up.

EXPORT & IMPORT
Back up everything as JSON, or bring operations in from CSV.

HOME SCREEN & LOCK SCREEN WIDGETS
Net worth, savings rate, expense breakdown, spending trends, recurring payments, goals progress, and more — right on your home screen without even opening the app.

SIRI & SHORTCUTS
Log operations, transfers, and Wallet purchases hands-free with App Intents. Works with Siri and the Shortcuts app.

CUSTOMISABLE HOME
Rearrange and hide home widgets to match how you think about money. Put what matters most at the top.

50+ CURRENCIES
Pick your preferred currency and see all values in one consistent, clean view.

Download the app today to subscribe. 
Subscription automatically renews based on your plan range (monthly or yearly). 
Cancel anytime.

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Privacy policy: https://by-jo.com/privacy