---
title: "Simple Financials — App Overview"
url: https://marlvel.ai/apps/simple-financials
category: Productivity
developer: Joshua Armer
platforms: ios
rating: N/A (0 ratings)
pricing: free
report_level: overview
generated: 2026-04-27
last_verified: "2026-04-27T17:12:20.577Z"
---

<!-- SECTION: Key Insight -->
> **Key Insight:** The app focuses on providing a dynamic, real-time view of disposable income by automating complex calculations for irregular pay and periodic expenses.

<!-- SECTION: Quick Facts -->
| Metric | Value |
|--------|-------|
| Category | Productivity |
| Rating | N/A ★ (0) |
| Pricing | free |
| Platforms | iOS |
| Latest Version (iOS) | 1.1 |
| Developer | Joshua Armer |

<!-- SECTION: Summary -->
## What is Simple Financials?

Simple Financials is a personal finance tool designed to calculate a user's real available balance by factoring in income streams, recurring expenses, and variable pay schedules. The app distinguishes itself by automating projections for irregular income and annualized expenses to provide a clearer picture of spendable cash.

<!-- SECTION: Key Features -->
## Key Features

- **Smart Paycheck Tracking**: Automatically projects income based on base pay and adjustments for holidays or missed shifts.
- **Current Balance Baseline**: Establishes a starting point for financial tracking by calculating real-time availability after income and expenses.
- **Multiple Income Sources**: Allows users to input various salary, freelance, and side income streams with individual schedules.
- **Annualized Expense Splitting**: Divides yearly expenses into smaller, manageable installments based on frequency and due dates.

<!-- SECTION: Target Audience -->
## Who is it for?

Individuals with multiple income sources or variable pay schedules who need help managing recurring expenses and budgeting.

<!-- SECTION: Links -->
## Links

- [App Store](https://apps.apple.com/us/app/simple-financials/id6760677058?uo=4)
- [Full Intelligence Report](https://marlvel.ai/apps/simple-financials)

---
*This is an overview report. Sentiment analysis, competitive landscape, and SWOT analysis are available in the [full intelligence report](https://marlvel.ai/apps/simple-financials).*
*Generated by [Marlvel.ai](https://marlvel.ai) — Independent app intelligence.*