Money, spoken softly.

Sotto is a finance AI that lives entirely on your iPhone. Chat about your spending, budgets, debts, and goals — no bank logins, no account, nothing leaves your device.

Download on the App Store
Sotto chat interface showing a conversation about spending

Privacy at a glance

On your iPhone

The AI model runs on your device. Your money never touches a server.

No account

No sign-up, no email, no password. Open the app and start.

Data Not Collected

Our App Store privacy label, earned by architecture — we couldn't read your data if we wanted to.

Talk

Ask anything about your money.

Sotto AI chat answering a question about spending

Track

No bank logins. Log in seconds, split, scan receipts, import CSV.

Sotto transaction list and activity tracking

See

Charts that answer back — tap any number to see what's behind it.

Sotto spending charts and breakdowns

Plan

A debt-free date, not a guilt trip. Avalanche vs snowball, budgets that pace themselves, a health score that explains itself.

Sotto debt payoff planner and budget tools

Catch

Every bill, two weeks before it hits.

Sotto bill calendar with upcoming due dates

Pricing

The AI chat is free. No message limits — that's the heart of Sotto and it stays free.

Pro
  • Receipt scanning
  • CSV import
  • Unlimited accounts, budgets, and goals
  • Debt payoff planner
  • Advanced charts
  • Daily insights
  • Widgets
  • iCloud sync
  • Export

$4.99/mo

7 days free · save 50%

$29.99/yr

$69.99/lifetime

Prices in USD; local pricing set by the App Store.

Frequently asked questions

How is this private?
The AI model runs entirely on your iPhone. Sotto has no servers and collects no data. The only network connections are a one-time AI model download and optional iCloud private sync — both under your control.
Does it connect to my bank?
No — by design. You log transactions manually, import CSV files, or scan receipts. Your bank credentials never enter the picture.
What iPhone do I need?
Recent iPhones with sufficient memory. The on-device AI model needs roughly 2 GB of free space. The app checks your device and tells you if it's ready.
Is the AI accurate?
Every figure is computed by the app from your data; the AI only explains. Answers are verified before they reach your screen.
What if I lose my phone?
Enable optional iCloud sync to store data in your private iCloud account — encrypted and inaccessible to us. Without sync, data lives only on the device.
sotto

Money, spoken softly.

Download on the App Store