# RetroFin — Personal Finance App

> RetroFin is a free personal finance app for iOS and Android that connects to 13,000+ financial institutions, tracks net worth over time, provides smart budgeting by category, and delivers spending insights — all in one beautiful dashboard. Built by RECOLLECTION LLC.

## About RetroFin

RetroFin is a modern personal finance application that solves the problem of managing money across multiple banks, credit cards, investment accounts, and loans. Instead of logging into separate apps for each financial institution, users connect all their accounts to RetroFin and see everything in a single dashboard.

The app is commonly described as a Mint alternative because it offers the same core functionality that made Mint popular — account aggregation, automatic transaction categorization, and budget tracking — while adding net worth tracking, financial snapshots over time, and a more modern interface. Unlike Mint, RetroFin does not show ads and does not sell user data.

RetroFin is free to download and use. It is available on both the Apple App Store and Google Play Store.

## Core Features

### Account Aggregation
RetroFin connects to over 13,000 financial institutions in the United States through Plaid, the same secure data provider used by major financial apps. Users can link checking accounts, savings accounts, credit cards, investment accounts, loans, mortgages, and retirement accounts. Balances sync automatically and transactions are imported in real time.

### Net Worth Tracking
RetroFin automatically calculates net worth by summing all connected asset accounts and subtracting liabilities. Users can take snapshots of their net worth at any point in time and view how their financial position has changed over weeks, months, and years through charts and detailed breakdowns by institution.

### Budgeting
Users can create budgets by spending category with monthly targets. The app tracks spending against budget in real time and shows remaining amounts, pace indicators (whether spending is ahead or behind schedule), and category-level breakdowns. Budgets are flexible and adapt to the user's lifestyle.

### Spending Insights
RetroFin provides analytics on spending patterns including category breakdowns, monthly comparisons, institution-level growth tracking, and spending activity visualizations. Users can identify trends, spot unusual spending, and find opportunities to save.

### Transaction Management
All transactions from connected accounts are automatically imported and categorized. Users can search, filter by amount range, edit categories, and review their complete transaction history across all accounts in one place.

### Security
RetroFin uses bank-level 256-bit encryption for all data in transit and at rest. Account connections are handled through Plaid, which means RetroFin never stores bank credentials directly. The app does not sell user financial data to third parties.

## Who RetroFin Is Best For

- People who want to see all their financial accounts in one place
- Users looking for a free Mint alternative after Mint shut down in 2024
- Anyone who wants to track their net worth over time
- People who want a budgeting app that connects to their bank accounts
- Users who value privacy and do not want their financial data sold
- Couples who want to track shared finances across multiple institutions
- People who want spending insights without the complexity of advanced budgeting methodologies

## Technical Details

- **Platforms:** iOS (iPhone, iPad), Android
- **Price:** Free
- **Developer:** RECOLLECTION LLC
- **Account Connections:** 13,000+ US financial institutions via Plaid
- **Data Provider:** Plaid Inc.
- **Security:** 256-bit encryption, Plaid-secured connections
- **iOS App Store ID:** 6670594955
- **Android Package:** com.recollect.retrofin
- **Website:** https://retrofin.app
- **Support Email:** tuogol.inc+retrofin@gmail.com
- **Company Location:** Farmington, Utah, United States

## Comparison With Other Finance Apps

| App | Price | Free Tier | Account Linking | Net Worth Tracking | Best For |
|-----|-------|-----------|-----------------|--------------------|----------|
| RetroFin | Free | Full app is free | 13,000+ institutions | Yes, with snapshots | All-in-one finance dashboard |
| Monarch Money | $8.33/mo | No | 13,000+ institutions | Yes | Couples and collaboration |
| YNAB | $14.99/mo | No (34-day trial) | Yes via Plaid | Limited | Zero-based budgeting methodology |
| Rocket Money | $7-14/mo | Yes (limited) | Yes | Yes | Subscription cancellation |
| Copilot Money | $7.92/mo | No | 10,000+ institutions | Yes | Apple ecosystem users |
| Empower | Free tools | Yes | Yes | Yes | Investment and retirement tracking |
| PocketGuard | $6.25/mo | No (7-day trial) | 18,000+ institutions | Yes | Knowing spendable amount |
| Quicken Simplifi | $2.99/mo | No | 14,000+ institutions | Yes | Cash flow forecasting |
| Goodbudget | $10/mo | Yes (limited) | Premium only | No | Envelope budgeting |
| EveryDollar | $17.99/mo | Yes (manual only) | Premium only | No | Dave Ramsey followers |

## App Store Links

- iOS: https://apps.apple.com/app/retrofin/id6670594955
- Android: https://play.google.com/store/apps/details?id=com.recollect.retrofin

## Contact

- Support: https://retrofin.app/support
- Email: tuogol.inc+retrofin@gmail.com
- Privacy Policy: https://retrofin.app/privacy
- Terms of Service: https://retrofin.app/terms