Cash flow at a glance
See what's coming in, what's going out, and what's left — across every account, with budgets and recurring bills tracked automatically.
Personal Ledger · iPhone
Defter keeps your whole financial life on your iPhone — cash flow, credit-card rewards, and an on-device AI assistant. No account. No cloud. No tracking.
There is no Defter account, no Defter server, no Defter cloud humming away with your transactions. Everything you see lives in a private database on your device — and only your device.
Accounts, balances, transactions, and budgets live on your iPhone, not on our servers.
You don't sign up. No analytics, no ad SDKs, no third-party trackers inside the app.
Wipe everything from the device in one tap. There's no backup copy of yours somewhere we'd need to also clear.
What it does
See what's coming in, what's going out, and what's left — across every account, with budgets and recurring bills tracked automatically.
Defter reads your cards' reward structures and tells you which one earns the most for where you're spending right now.
Pull in Apple Card, Apple Cash, and Apple Savings through Apple Wallet, and securely connect your other US banks — opt-in, encrypted, and easy to revoke.
A private AI assistant answers questions about your spending. It runs entirely on your iPhone — your numbers never get sent to a model in the cloud.
Switch between the Vault and Ledger themes — the whole app re-skins to match how you like to read your finances.
Face ID lock, a home-screen widget, Spotlight search, and timely local reminders for statement close and payment due.
Defter is live on the App Store — free to download.