Kulner PFM

Track everyday spending, capture receipts with on-device Apple Vision, and manage recurring bills—with no bank connection, no ads, and no tracking by the app.

Core Finance

Everyday Financial Management

Fast, organized tracking designed for daily financial clarity.

Record expenses and income with speed and precision. Categorize transactions with visual icons, track custom payment sources, and maintain clear Paid To / Paid By attribution across your accounts. Quickly locate entries with fast search and filters, and recover discarded records with built-in Trash restoration.

Expense & Income Tracking

Log daily transactions with fast input, custom categories, and intuitive visual icons.

Payment Sources & Attribution

Track multiple payment methods and accounts with clear Paid To and Paid By attribution.

Fast Search & Filter

Locate entries instantly by date, category, or payment source to stay organized.

Deleted-Record Recovery

Restore accidentally removed records anytime through built-in Trash management.

Apple Vision

Capture Receipts Faster

Intelligent on-device receipt scanning with Apple Vision.

Capture physical receipts with your camera or import photos and documents. On-device Apple Vision text recognition automatically extracts merchant details, totals, and dates without sending your photos or financial records to external servers. Attach receipt images directly to transactions for complete records.

Camera & Import Scanning

Scan receipts using your camera or import existing photos and document files.

On-Device Apple Vision

Text and amount recognition executes completely on your device with native vision processing.

Direct Attachments

Attach clear receipt images directly to your transaction records for instant recall.

Schedules & Reminders

Stay Ahead of Recurring Expenses

Predictable schedules and timely on-device bill reminders.

Keep recurring bills, regular subscriptions, and planned commitments organized in one place. Define customizable payment schedules, review upcoming renewals, and receive native on-device notifications so you never encounter unexpected charges.

Customizable Schedules

Configure recurring payment cycles tailored to your actual billing cadences.

On-Device Reminders

Receive local notifications scheduled on your device when authorized by you.

Upcoming Renewals

Review upcoming scheduled bills and renewal dates before they arrive.

Analytics

Understand Your Spending

Actionable financial patterns and category insights computed on your device.

Explore spending patterns and category distributions with clean visual breakdowns. Understand where your money goes across months and categories without analytics scripts, third-party data brokers, or advertising trackers examining your habits.

Category Breakdowns

Inspect visual distributions of your spending across customized categories.

Spending Patterns

Review historical spending trends over time computed directly on your phone.

Zero Data Scraping

All summaries run locally with no account profiling or external data transmission.

Trust & Privacy

Your Financial Data Stays Under Your Control

Architectural privacy guarantees engineered into every layer.

Most finance applications monetize user habits or route credentials through aggregators. Kulner PFM is built around genuine on-device privacy: no bank logins, local receipt processing, optional personal iCloud backups, and complete export control.

No Bank Connection

Kulner PFM intentionally does not connect to banks or financial institutions. You retain direct control over your records with no credential collection.

Stored Primarily on Your Device

Financial records are primarily stored on your device. You can track expenses, manage bills, and organize receipts directly on iOS.

On-Device Receipt Recognition

Receipt recognition runs directly on your device using Apple Vision. Kulner does not operate a remote scanning service for your receipts.

Optional Personal iCloud Backup

Optional backup is stored directly in your personal Apple iCloud. Kulner does not operate a proprietary cloud database containing users' financial records.

Data Ownership & Export

Export your records to standard CSV files anytime, share exports when chosen by you, and restore records directly within the app.

No Ads or App Tracking

Zero third-party advertising networks, zero tracking by the app, and zero data sales. Your financial records belong strictly to you.

Support & Inquiries

Need Assistance or Have Questions?

Browse our comprehensive knowledge base, frequently asked questions, and setup guides, or verify your email to contact Kulner Support directly.