A money calendar that plots your paychecks, bills, and future balance by date, built for irregular income
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
US
DE
Pricing model
Not given
Free trial
Pricing
Monthly Plan: $12/month. Yearly Plan: $108/year (save 25%, works out to $9/month). 14-day free trial available on monthly plan with no credit card required. Yearly plan includes 30-day money-back guarantee.
Free during open beta. Full release will be subscription-based with price TBD. Beta users will receive a discount.
Key features
Calendar-first budgeting
Future balance forecasting
Recurring and irregular expenses
Bank connection via Plaid (US only)
Spending and cash flow reports
Mobile app (iOS and Android)
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
Designed specifically for people with irregular income, unlike traditional monthly budgeting apps
No credit card required for 14-day free trial
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
Cash Flow Calendar
Finzen