| What it does | The all-in-one personal finance dashboard combining envelope budgeting, expense tracking, and portfolio management
| Personal finance, investments and analytics, private by default
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| Stage | MVP
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| Founded | 2020
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| Based in | DE
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| Pricing model | Free trial
| Freemium
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| Pricing | Free during open beta. Full release will be subscription-based with price TBD. Beta users will receive a discount.
| Free plan includes unlimited income & expense tracking, 1 account, 1 investment portfolio, 2 budgets, 2 recurring payments, 1 open tracker, and 90 days of analytics history. Premium adds unlimited accounts, portfolios, budgets, recurring payments and trackers, full analytics history, shared trackers
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| Key features | - 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
| - Track income and expenses across multiple account types
- Budgets with alerts
- Investment tracking with crypto, stocks, ETFs, funds, precious metals and property
- Trackers for trips, house moves and instalment plans
- Live market prices for crypto and stocks
- CSV import and export
- Analytics and net worth tracking
- Apple Intelligence for on-device categorization
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| What makes it different | - 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
| - All data stays on your device with optional sync and no account required
- No ads, no tracking and no third-party integrations
- Combines everyday spending with comprehensive investment tracking in one app
- Free CSV export forever with no lock-in
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| Community votes | 0 | 0 |
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| DR (Domain Rating by Ahrefs) | 16 ● no change since last check | 4 ● no change since last check |
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| Trust Flow (Majestic) | 11 | 7 |
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| Citation Flow (Majestic) | 20 | 10 |
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| Referring domains (Majestic) | 16 | 3 |
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Finzen
Arrel