Paycheck-first envelope budgeting app for hourly and 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
Not given
DE
Pricing model
Freemium
Free trial
Pricing
Free: Up to 5 envelopes, bills, paycheck planning, guided onboarding. Pro: $12/month or $120/year with unlimited envelopes, credit card planning, JSON backup, timesheet export. Pro+: $16/month or $160/year with business and timesheet tools.
Free during open beta. Full release will be subscription-based with price TBD. Beta users will receive a discount.
Key features
Timesheet logging to paycheck tracking
Unlimited envelopes (Pro/Pro+)
Debt snowball tracking
Credit card planning
Manual entry without bank connection
Bill tracking
Paycheck-month planning
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
Timesheet-to-paycheck pipeline not found in general budgeting apps
Paycheck-date budgeting instead of calendar-month autopilot
Debt snowball and credit card tools in same envelope workspace
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
Envelope Budget
Finzen