Mintaka is a personal finance app for iPhone, iPad, and Mac. What YNAB, Monarch, and Copilot charge $100+/year for, Mintaka gives you free — budgets, scheduled transactions, tags, CSV import, and iCloud sync. No account needed. Pro adds multi-currency, forecast, investments, and full reports for $2.99/mo. Your data stays on your device and iCloud. No servers. No sign-up. Built independently over 10 years.