Description
AI Personal Finance — Subscription & Bill Tracker (Native SwiftUI)
Stop losing money to forgotten subscriptions. AI Personal Finance is a premium, 100% native SwiftUI iOS app that tracks every subscription and recurring bill in one beautiful place — with an AI scanner that detects hidden charges, smart renewal reminders, gorgeous analytics, and a built-in StoreKit 2 paywall. No backend. No Firebase. No login required. Rebrand it and ship to the App Store today.
⭐ Why This Template Stands Out
- 100% Native SwiftUI + SwiftData — no Objective-C, no storyboards, no legacy WebView. Built for iOS 17+.
- Zero backend, zero server cost — works fully offline with optional iCloud (CloudKit) sync. No Firebase setup headaches.
- AI-Powered Statement Scanner — detects recurring charges from a bank statement (paste text or OCR a screenshot) using the user’s own OpenAI key.
- Monetization built-in — StoreKit 2 subscriptions (monthly / yearly / lifetime) with a high-converting paywall and a free-tier limit you control.
- Privacy-first — all data stays on device; Face ID App Lock included. You can honestly select “Data Not Collected” on the App Store.
- Ready to publish — clean MVVM code, full documentation, reskin guide, and App Store submission checklist.
Full Feature List
- ✅ Beautiful animated onboarding (4 pages, no image assets)
- ✅ Dashboard with animated total monthly spend & upcoming renewals
- ✅ Renewal countdown badges (turns red when a bill is due soon)
- ✅ 30+ prebuilt popular services (Netflix, Spotify, Disney+, iCloud+, ChatGPT, and more)
- ✅ Add unlimited custom subscriptions — any price, cycle, category, color & icon
- ✅ Smart renewal reminders via local notifications (no push server needed)
- ✅ Insights: 6-month spend trend, category donut chart, yearly projection
- ✅ Potential-savings detector for rarely used subscriptions
- ✅ AI Statement Scanner — paste or OCR a statement to auto-detect subscriptions
- ✅ Subscription detail view with payment history & total-spent tracking
- ✅ Pause / resume subscriptions
- ✅ Face ID / Touch ID App Lock
- ✅ iCloud sync across the user’s devices (CloudKit)
- ✅ CSV export via native share sheet
- ✅ Multi-currency support (all ISO currencies)
- ✅ Full Light & Dark mode
- ✅ StoreKit 2 paywall — free tier + Pro (monthly / yearly / lifetime)
- ✅ 3 alternate app icons, haptics, empty & error states everywhere
- ✅ Dynamic Type & VoiceOver accessibility support
Tech Stack (100% Native Apple Frameworks)
- SwiftUI — entire user interface
- SwiftData — local database + iCloud sync
- Swift Charts — insights & analytics
- StoreKit 2 — subscriptions & in-app purchases
- UserNotifications — renewal reminders
- Vision — on-device OCR for statement screenshots
- LocalAuthentication — Face ID / Touch ID lock
- Keychain — secure API key storage
- OpenAI API — optional AI scanner (bring your own key)
No CocoaPods. No Swift Packages. No third-party SDKs. Nothing to install — open in Xcode and run.
What’s Included
- Complete Xcode project (clean, commented, MVVM architecture)
- Full documentation (HTML) with step-by-step setup
- Rebranding & reskin guide
- StoreKit configuration file for testing purchases in the simulator
- App Store submission checklist
⚙️ Requirements
- Xcode 15+ / iOS 17+
- Apple Developer account (to publish to the App Store)
- OpenAI API key — optional, only for the AI scanner feature. The app works fully without it.
Support
Fast, friendly support through the comments section. The documentation covers 95% of setup questions. We reply within 24 hours.
Note: This is app source code for developers and publishers. The AI feature requires the buyer’s own OpenAI API key (pay-as-you-go, extremely low cost with gpt-4o-mini). All other features work with no external service and no server.
If this template helps you launch your app, we’d love a ⭐⭐⭐⭐⭐ rating — it means a lot!
PennyPal is an iPhone app for tracking subscriptions, recurring bills, and regular spending. It helps users keep a list of upcoming payments, see what they are paying for each month, and avoid losing track of services they no longer use. Its AI features can help organize bill information and make spending easier to understand. Built with SwiftUI for iOS, it is aimed at people who want a simple way to manage subscriptions, monitor recurring costs, and stay aware of due dates.
