One calm financial workspace

See the whole picture.
Keep control of the details.

Charoite brings everyday money management, long term financial planning, and private household collaboration together — all on device and at one fixed cost to you.

01 Understand 02 Plan 03 Track 04 Protect

01 · Understand

Know where you stand.

A focused view of your balances, activity, and spending—without spreadsheet upkeep.

At a glance

Dashboard & net worth

See balances, net worth, recent activity, spending, and budget progress in one place.

Stay current

Data Provider Integration

Our data providers mean you'll never have to manually edit a spreadsheet or import a CSV ever again.

Charoite transaction list with review tools and categorized activity — Review every transaction

Charoite categories screen showing spending, budgets, and category history — Understand category spending

02 · Plan

Turn activity into a plan.

Set practical targets and understand the patterns behind the month-to-month numbers.

Spend intentionally

Category budgets

Create monthly budgets, choose whether unused amounts roll over, and follow progress by category.

Follow the flow

Cash-flow analysis

Compare income and spending over time, change the date range, and see which categories shape the result.

Charoite recurring expenses screen with active and paused items — Keep recurring costs in view

03 · Track

More than a checking balance.

Bring the accounts and assets that shape your financial life into the same private view.

Complete the picture

Manual assets

Add assets such as real estate so your net-worth view includes value that is not available from a bank feed.

Keep the context

Receipt attachments

Add receipt images or files to transactions, preview them later, and filter activity by receipt status.

Charoite accounts screen with credit card, depository, investment, and real-estate balances — Bring every account together

Charoite investments screen showing combined history and investment accounts — Follow long-term value

04 · Protect

Privacy is part of the architecture.

Charoite is designed around Apple platform protections instead of a Charoite-owned financial-data cloud.

Local first

On-device processing

Your financial data is processed on your device. Charoite has no backend server that ever receives it.

Across your devices

Private iCloud sync

There's no need to worry about manual backups, Charoite keeps your data backed up and available across all your devices using iCloud.

Plan together

Selective household sharing

Share only the accounts you choose for collaborative household planning while keeping personal accounts personal - all done through iCloud.

Charoite settings screen showing personal planning mode, dark theme, and a connected data provider — Control your private workspace

Still evolving

Built to make money management feel lighter.

Charoite is currently in beta, and its features will continue to evolve.

See the whole picture.Keep control of the details.