01
See today without the spreadsheet.
Income, expenses, balances, and recent activity are organized into one calm daily view.
Private finance for iPhone and iPad
Your money.Clearly.
Xil brings accounts, everyday spending, loans, assets, currencies, and plans into one thoughtful place—without turning your financial life into somebody else's data product.
Coming soon to theApp StoreRead our privacy promise ↗
- Local-firstYour ledger starts on your device.
- No ads. No tracking.Your money is never used to target you.
- iOS 26+Requires iOS 26 or later.
GuidanceBuilt from your ledger
✓
PrivacyLocal-first
One financial home
Less noise. More understanding.
Xil turns the details you record into a calmer picture of where you are and what comes next.
02
Plan from what is actually true.
Xil studies the ledger you build and holds back guidance until there is enough history to be useful.
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Accounts and assets, together.
Track cash, cards, loans, property, vehicles, funds, crypto, and the holdings you define yourself.
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Private by design.
Your ledger lives on your device. Optional iCloud backup stays in your private Apple account.
Privacy is a feature
Your financial life should stay your financial life.
Xil has no advertising SDK, no behavioral analytics, and no remote generative-AI service reading your ledger. Receipt text and planning guidance are processed on device. If you enable iCloud Backup, the backup lives in your private CloudKit database.
Multi-currency by default
Set a home currency, maintain exchange rates, and keep original transaction values intact.
Receipts, read on device
Use the camera or photo picker to fill receipt amount, date, merchant, and a likely category.
Browser access on your Wi-Fi
Opt in to a PIN-protected dashboard available only on your local network.
Reminders that stay local
Get daily summaries, expense nudges, payment reminders, and reconciliation prompts on device.
Assets with real outcomes
Record cost, current value, sale date, proceeds, and gain or loss when a holding is sold.
Made for more people
Use Xil in English, Simplified Chinese, Spanish, French, or Brazilian Portuguese.
Good to know
Clear answers before you begin.
Is Xil a bank or financial adviser?
No. Xil is a personal finance organization and planning tool. Its guidance is educational assistance based on the information you enter, not professional financial, tax, investment, legal, loan, or insurance advice.
Does Xil sell or use my financial data for advertising?
No. Xil does not include advertising or tracking SDKs and does not sell your ledger data.
Do I need an account?
No Xiy account is required. Xil stores its ledger locally and can optionally back it up through the Apple ID already signed into iCloud on your device.
Where can I get help?
Visit the Xil Support page or email contact@xiy.ai.
Coming soon
Money, without the mystery.
Xil is being prepared for the App Store.