| What it does | The all-in-one personal finance dashboard combining envelope budgeting, expense tracking, and portfolio management
| Track all your money in one app: bank accounts, cards, cash, exchanges and crypto with summaries in hryvnia
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| Stage | MVP
| Established
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| Founded | 2020
| 2021
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| Based in | DE
| UA
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| Pricing model | Free trial
| Not given
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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 tier available without credit card. Plus: 199 ₴/month or 1,999 ₴/year. Family: 399 ₴/month or 3,999 ₴/year (up to 5 people). Business: 599 ₴/month or 5,999 ₴/year for sole proprietors. Prices include taxes; annual plans offer approximately 2 months free.
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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
| - Consolidate bank accounts, cards, cash and crypto in one dashboard
- Voice, text and receipt photo expense recording with Surikat AI
- Budget tracking with spending pace alerts
- Days Supply calculator on iPhone and Mac
- Annual spending heat map and analytics
- Shared spaces for families and couples
- Support for 8 crypto exchanges and wallets
- Multi-currency conversion to hryvnia
- AES-256-GCM end-to-end encryption
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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
| - Voice and photo receipt expense recording with AI categorization
- Consolidated view of all money sources with single hryvnia conversion
- Days Supply metric showing days until money runs out
- End-to-end encryption with data stored only in EU
- No data selling or AI model training on user information
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| Community votes | 0 | 0 |
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| DR (Domain Rating by Ahrefs) | 15 ▼ −1 (down) since last check | Not checked yet ● no change since last check |
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| Trust Flow (Majestic) | 11 | 0 |
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| Citation Flow (Majestic) | 20 | 0 |
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| Referring domains (Majestic) | 16 | 0 |
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Finzen
Degroshi