DollarGuard is a personal finance tracker for iPhone with the soul of a 1980s terminal — and the discipline of a bank vault. Every transaction lives on your device. No cloud account. No ads. No tracking.
They sync your spending to a server, mine it for "insights," and sell the patterns. DollarGuard does the opposite. It's a single-purpose tool that opens instantly, works on a plane, and never phones home behind your back. The retro terminal look isn't nostalgia for its own sake — it's a promise. No dark patterns. No infinite feed. No upsell. Just a fast, honest ledger that answers only to you.
Spending is home base. Tap a time period and you drop straight into reports — one connected tree, never a maze. Income, expenses, transfers, and card payments are two taps away from anywhere.
DollarGuard draws every chart in ASCII — bars built from solid blocks, the way a terminal would. Break spending down by category, payee, or date. Drill from a year to a single transaction and back, with a back button at every level.
PATCH — Personal Assistant for Tracking Cash and History — is an in-app assistant that reads your numbers and answers in plain language. "What did I spend on food in March?" "Compare this year to last." It lives behind the green F1 button and only works when you switch it on.
> tap a question — watch PATCH answer on the phone →
DollarGuard is local-first. Your transactions are stored on your device and nowhere else. The two features that can reach the internet — the PATCH assistant and optional backup — are off until you deliberately turn them on. Nothing leaves your phone behind your back.
> verify: read the full privacy policy — it's short, and it's honest.
Checking, savings, credit cards, cash, and investments — tracked side by side.
Hold accounts in different currencies with exchange rates. Totals never mix currencies.
Bills, subscriptions, and paychecks generate themselves on schedule.
Category, payee, and date breakdowns drawn in honest monospace bars.
Match any part of a payee name, filter by amount, date, type — no limits.
Move money between accounts with balance-accurate, fully traceable history.
Protect the whole app with a passcode and biometric unlock.
Your data is yours. Export to a spreadsheet whenever you want.
Engineered to stay fast across long histories and large transaction volumes.
No bundles, no upsell maze. The tracker is yours for a single price — forever. PATCH is the only part with a running cost, so it's the only part that's a subscription.
Prices in USD, set at launch. PATCH is a separate subscription — it is not included with Pro — because it's the only feature with an ongoing cost. Free works fully offline; PATCH is the only part that uses the internet, and only when you enable it.
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DollarGuard is in final testing on TestFlight and headed for the App Store. Be among the first to run your finances on a tool that answers only to you.
Launching on the App Store soon · iOS 17+ · iPhone