Line chart of your projected balance over a configurable horizon. Daily-compounded interest applied to credit cards, loans, and interest-bearing savings accounts. See exactly when bills hit and what's left.

Category roll-up over any window — this month, last 30/90 days, last month, this year, or a custom date range. Subcategories roll up into their parent. Tap any row to see the individual transactions behind the number.

Set multiple anchor dates per template (e.g. bills that hit on the 1st and the 15th). Add an end date for fixed-term series. Skip a single occurrence without editing the template. Mark Complete turns a forecasted occurrence into a real transaction in one tap. Auto-pay posts on your behalf and catches up on launch. Per-template notification mute. Bill reminders fire at the hour you choose.

Checking, savings, cash, credit cards, lines of credit, loans, investments, and other assets and liabilities. Net worth at a glance. Credit utilization per card and as a total roll-up across all cards. Per-account toggle to include or exclude from net worth.

Face ID / Touch ID lock with a configurable re-lock grace period. Privacy blur hides every balance on screen until you tap to peek — useful for screensharing or handing your phone to someone. Zero third-party SDKs.

Open your bank app, check the real balance, type it in. NullMoney posts an adjustment transaction automatically. No calculator, no manual math, no guessing.

Export everything to a human-readable JSON file — every account, transaction, category, and recurring template. Import it on any device. Delete all data with one clearly-labelled button. No lock-in.

A real native Mac app — not Catalyst, not a stretched iPhone view. Native File-menu commands (New Window, New Transaction, View Schedule), proper window behavior, native About panel. Quick Actions widget (2×2) deep-linked via nullmoney:// to log a transaction or open your schedule without launching the app. VoiceOver-labeled controls, Dynamic Type, and locale-aware currency and date formatting.

Per-row running balance — every transaction shows the account balance right after it posted. Transfers are a single row linked to both accounts, no double-counting. Long-press any transaction to Duplicate, Save as Recurring, or Delete. Search by description, category, transfer counterpart, or type. The Details field auto-suggests from past entries as you type.

Optional cross-device sync between your iPhone, iPad, and Mac via your own private iCloud. Off by default — one toggle in Settings to enable. Your data goes through Apple's servers, not NullRider's. NullRider never sees it.