Fact sheet
Checked on 12 October 2026 against the app’s test build, except the price: that is the planned launch price, and the App Store listing will show the final one.
- Name
- SI Money Tracker
- What it is
- A budgeting app that turns a paycheck into a plan: what comes in, what goes out, what you own and what you owe.
- Platform
- Designed for iPhone. There is no Android or web version.
- Languages
- English and Spanish. The whole app follows the iPhone’s language. Plaid’s bank-connection window opens in English.
- Availability
- Coming soon to the App Store.
- Price
- The budget comes with the app, no account needed. Plus is $9.99/month, billed through your Apple Account, with 7 days free when Apple says you’re eligible. Cancel anytime in Settings.
- What Plus adds
- Bank connection through Plaid (U.S. banks) and automatic transaction import.
- Privacy
- No ads, no tracking, and no third-party analytics or crash-reporting software in the app. Bank logins go to the bank or to Plaid’s secure window, never to us.
- Made by
- Michael J. Ramirez, a U.S. Army Green Beret who served about 20 years on active duty, starting in 2006. One founder builds the app.
In the app today
- A four-part plan: income, expenses, assets and debts, each section with its subtotal.
- A monthly surplus, then three health checks (emergency fund, debt-to-income and high-interest debt), each shown beside its goal.
- “Show the math” on a card opens the equation, the inputs and the source behind its figures.
- Sign in with Apple plus a required second step, a 6-digit code from a code app, for the features that use our server.
- The app is covered whenever you leave it, and asks for your key or code when you come back.
There are no download counts, ratings or reviews to report: the app isn’t on the App Store yet.
Use of military rank, unit and insignia does not imply endorsement by the U.S. Army or the Department of Defense.