MacMoney has no accounts of ours, no server of ours and no analytics. This page explains exactly what that means: the two network requests the app can make, and the optional iPhone Sync that runs through your own iCloud.
That is the whole policy, and the rest of this page is just the detail behind it. MacMoney has no user accounts, no sign-in, no analytics, no advertising and no tracking. We never receive your financial information, and we could not read it if we wanted to.
Nothing. There is no registration step, no telemetry, no crash reporting service and no third-party SDK of any kind inside the app. We do not know who installs MacMoney, how often it is opened, or what is in it.
Everything you enter is stored in a database file on your own Mac, inside Apple's App Sandbox, with file permissions that restrict it to your macOS user account. Backups and archives you create are written to whatever location you choose. None of it is uploaded to us or to anyone else. If you turn on iPhone Sync, a copy also lives in your own private iCloud database — see below — and nowhere besides.
MacMoney makes two kinds of network request, plus an optional sync you can switch on. All three are optional, and none of them happens unless you ask for it.
When you choose Refresh Rates from the currency menu, the app fetches published exchange rates from exchangerate-api.com. That request contains no information about you, your accounts or your transactions — it is the same public request any visitor to that endpoint makes.
When you press Refresh prices on the Investments screen, the app sends the ticker symbols of the holdings shown there — AAPL, VTI and the like — to finnhub.io, because sending the symbol is the only way to be quoted a price for it. That request carries the symbols and your own Finnhub API key, which is how Finnhub identifies your account with them. It carries nothing else: no balances, no share counts, no cost basis, no account names and no transactions. Stock refresh is inert until you add a Finnhub key of your own, and that key is stored in your Mac’s Keychain rather than in the MacMoney file, so it never travels inside a backup or an export.
iPhone Sync, when you turn it on in Settings, mirrors your data between your Mac and the free iPhone companion through CloudKit — the private database attached to your own Apple Account — and through nothing else. We operate no sync server and hold no copy; Apple encrypts the data in transit and at rest under your account, and it is not readable by us. Sync is off by default, MacMoney writes a backup before the first sync, and you can turn it off — or remove the synced copy from iCloud entirely with Delete iCloud Data — at any time. The iPhone stores its synced data the way the Mac stores its file: sandboxed, on the device.
Everything else in MacMoney works with no network connection at all.
Your data file is readable only by your own macOS user account and is isolated from other apps by Apple's App Sandbox. If you enable FileVault, macOS encrypts your entire disk with AES-256, which covers MacMoney's file along with everything else. MacMoney does not add a separate encryption layer or password of its own, and we would rather tell you that than imply otherwise.
If iPhone Sync is on, the synced copy is encrypted by Apple in transit and at rest inside your own iCloud account, under keys tied to your Apple Account rather than to us. We hold no key and no copy.
A few screens in MacMoney offer an optional link to lonestarba.com — for example, to request an insurance coverage review. Those links open in your normal browser, and once you are here this website's own practices apply. Nothing from inside the app travels with you; if you contact us, you tell us what you want us to know.
The Financial Checkup questionnaire and the written assessment it produces are generated on your Mac and stay there. Your answers are never transmitted — they are held in your Mac's own preferences rather than in the MacMoney data file, so they are not part of what iPhone Sync mirrors and they never reach iCloud. You can revise or clear them at any time. It is an educational tool with stated assumptions, based on United States retirement and tax rules, and it is not a personalised investment advisory service.
MacMoney is not directed at children, and collects no data from anyone regardless of age.
If MacMoney gains a feature that changes any of the above, this page is updated before that feature ships, and the change is described here rather than buried.
That has now happened once. The previous version of this page named “optional cloud sync” as the hypothetical example; iPhone Sync shipped in August 2026, and the Network access section above was rewritten for it in the same release rather than afterwards.