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iCloud and security

Money uses three extra layers of security to ensure the safety of your data – encryption, iCloud synchronization, and local backups. Adding a password encrypts Money data using a military-grade 256-bit AES encryption, while backing up data to iCloud not only allows keeping it up to date on several devices, but also ensures that data remains safe in case a device is reset, lost, or replaced. Local backups keep copies of your data made at certain points in time, and if there are any issues, Money can be restored to that particular state.


To set a password, go to Money menu > Preferences > Security, and click Set Password. Enter a password hint that could help you remember the password in case you forget it.

After setting a password, Money will give you a recovery key that can be used to decrypt your data in case you forget your password. Please copy the recovery key and keep it in a safe place. If you forget your password and do not have the recovery key, your data will not be recoverable.

To change password, go to Money menu > Preferences > Security, and click Change Password. If you want to remove the password completely, leave the new password fields empty. This will also decrypt your data and continue unencrypted.


Money will offer to use iCloud synchronization to keep your data up to date across your devices after launching the app for the first time. iCloud is also used to allow sharing accounts with other Money users.

If you chose not to use iCloud synchronization during the initial launch of the app, you can always enable it in Money menu > Preferences > iCloud, by clicking Enable iCloud. This will copy your data into iCloud.

iCloud synchronization is carried out automatically, however, if you have unreliable connectivity, you can see the date and time of the last successful synchronization.

To disable iCloud synchronization, go to Money menu > Preferences > iCloud, and click Disable iCloud. Your data will no longer be synchronized with other devices.

Note: Money uses iCloud to store its data. Please make sure you have iCloud access for Money enabled in your System Preferences.


By default, Money makes regular backups of your data. Backups essentially make a copy of your data at particular times for safekeeping and recovery. If any issue arises, multiple backups will be available to ensure the possibility to recover data as it was at a specific point in time.

Money automatically creates backups for the current day, as well as multiple dates in the past for up to 8 weeks. As time passes, older automatic backups are replaced. You can also create a backup manually and it will be stored indefinitely until manually deleted.

To manage Local Backups, go to Money menu > Preferences > Backup.

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