No. 1
Spends
Every spend, understood
Accio Money
The private finance super-app
Your wealth is nobody's business.
Not even ours.
Spending, borrowing, investing, taxes — your complete financial life in one beautiful app that computes everything on your device, and shares nothing with anyone. Ever.
Private beta · iPhone first · Invitations sent in small waves
- No account
- Works offline
- On-device processing
Processed on your iPhoneYour financial data stays with you
15+ decision toolsAnswers based on your numbers
No. 2
Debt
Loans & cards, tamed
No. 3
Investments
True returns, revealed
No. 4
Penny AI
Private, always
The collection
Four chapters of
your money story.
Chapter I — Spends
Where it goes, without asking
Purchases sort themselves the moment they happen. A living budget shows what's safe to spend today — not what a spreadsheet said last month.
Chapter II — Debt
Borrowing, with the upper hand
Every loan, installment and card in one clear ledger. Know what to pay and when — and let the right card earn you rewards on every purchase.
Chapter III — Investments
Performance, told honestly
Your entire portfolio — added in minutes — with true annualised returns. See what genuinely grows your wealth, and what only appears to.
Chapter IV — Home
Your whole month, one glance
Inflows, outflows and what's left to live on. One screen tells you if you're on plan — before you overspend, not after.
Advanced tools
The questions advisors
bill by the hour for.
Decisions a good financial advisor would charge for — answered with your own numbers, privately, in minutes.
i.
Retirement Planning
The day you can stop working, and the path that gets you there.
ii.
Prepay vs Invest
Kill the loan or grow the money? Settled with your own numbers.
iii.
Buy vs Lease
The true cost of the car — cash, loan or lease — before you commit.
iv.
Capital Gains & Tax Packs
Filing-ready tax reports for five countries, in minutes not weekends.
v.
Tax Filing Guide
Your return, decoded — with a step-by-step fill-along guide.
vi.
Market Timer
Invest now or wait — a clear call, tuned to your appetite for risk.
vii.
Loan & EMI Calculator
See what every installment truly costs — and how small prepayments shrink it.
viii.
Reward Maximizer
Which card to swipe, decided before the bill arrives.
ix.
Rebalance & Optimize
Spot the laggards, keep the winners — with taxes accounted for.
…and more, with new tools every season.
Quick answer
Meet Penny
An assistant
sworn to secrecy.
Ask about your money in plain words — by voice or chat. Penny reasons over your numbers entirely on your device: a private banker who never leaves your pocket, and never talks to anyone else.
The promise
Privacy isn't a feature here.
It's the architecture.
There is no cloud account, no server, no database with your name on it. Everything Accio knows lives inside your phone — and only there. Delete the app, and it's as if you were never here.
100%
On-device
Zero
Data collected
None
Accounts required
Always
Works offline
Questions, answered
The things you should
ask a money app.
If everything is on my phone, what happens if I lose it?
Your information is protected by your iPhone's passcode, Face ID and device encryption. Private backup options that you control are on the roadmap; the privacy policy will be updated before they arrive.
Is there an account inside the app?
No. The early-access email is used only to send your invitation. Inside the app, Accio never asks for an email, phone number or login.
How does Penny stay private?
Penny processes your questions and financial context on your device. You can confirm the core experience by using the app with no internet connection.
How much will Accio cost?
Early-access members use the preview at no charge. Pricing will be shared before paid plans launch. Accio is not funded by advertising or the sale of your data.
When are invitations sent?
Invitations go out in small waves so feedback can shape the product. iPhone comes first.
Take your seat.
Early access is limited. iPhone first.