AI-powered personal finance platform that tracks spending, detects money leaks, and forecasts your financial future.
The all-in-one personal finance dashboard combining envelope budgeting, expense tracking, and portfolio management
Stage
Not given
MVP
Founded
Not given
2020
Based in
CA
DE
Pricing model
Free trial
Free trial
Pricing
Pro: $8.97/month or $67/year ($5.58/month when billed yearly, save 38%). Family: $14.97/month or $97/year ($8.08/month when billed yearly, save 46%), includes up to 5 family members. All prices in USD. 14-day free trial with full access.
Free during open beta. Full release will be subscription-based with price TBD. Beta users will receive a discount.
Key features
AI Money Coach (Franklyn) available 24/7
Silent Money-Leak Detection to flag unused subscriptions and price hikes
AI receipt scanner
Bank sync across 16,000+ institutions
256-bit AES bank-level encryption
Envelope-based budgeting with real-time category tracking
Multi-asset portfolio tracking including stocks, ETFs, crypto, commodities, and forex
Visual reports and Sankey diagrams showing spending flows
Real-time net worth and portfolio performance tracking
Annualized performance and wealth projections
Manual transaction entry with no bank connections required
AES-256 encryption with zero-knowledge architecture
EU server hosting under GDPR compliance
CSV import for portfolio positions
Desktop and mobile access
What makes it different
AI designed into the core product, not bolted on as a gimmick
Privacy-first with no data selling, ever
Affordable AI-powered tools starting at $5.58/month
Small responsive team shipping updates every week based on user feedback
Manual entry by design creates financial awareness and spending habits, unlike automated bank-syncing apps
Combines budgeting and investing in a single app, providing complete net worth view across cash and all assets
Zero-knowledge encryption and EU hosting unlike US-based competitors relying on third-party aggregators
Built by a single developer with no shareholders or exit strategy, focused on quality over growth metrics
Privacy by design with technically impossible data sales due to encryption
BudgetSmart AI
Finzen