Does my data leave my phone?

You deserve a straight answer. Here it is, without spin.

The only things that can leave the device

• Bank sync, if you choose to link a bank. Then your transactions and balances sync through Plaid. This is opt-in and part of a paid plan.
• Optional anonymous diagnostics, if you turn them on. These are event-name counts plus a hashed ID only, never your amounts, merchants, categories, chats, or balances. They are off by default.
• A one-time AI model download, if you choose to set up the optional Cedar model. The download is plain file requests with no account or financial data.

In short: stay fully manual and nothing about your finances leaves your iPhone. Opt in to linking a bank and your transactions sync through Plaid. The choice is always yours.