| What it does | The all-in-one personal finance dashboard combining envelope budgeting, expense tracking, and portfolio management
| Retirement and financial scenario planner with real tax math
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| Stage | MVP
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| Founded | 2020
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| Based in | DE
| US
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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: one plan with the full engine and real tax math. Pro: $9 per month or $69 per year, includes more plans, compare two side by side, year's cash flow, Monte Carlo range, Roth conversions, and rentals.
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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
| - Real tax math with federal brackets, state tax, and FICA calculated each year
- 401(k) and IRA rules including contribution limits and employer match
- Mortgage amortization with property tax and insurance
- Rental property calculations with rent, vacancy, and upkeep
- Social Security adjusted for claim age
- Required minimum distributions with IRS rules
- Roth conversion modeling
- Monte Carlo analysis with market volatility
- Compare two plans side by side
- Spouse planning with separate ages and Social Security claims
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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
| - No bank connection required; you enter your numbers manually for complete privacy
- Detailed tax math applied year by year based on actual rules and limits
- One plan stays completely free forever with the full engine
- Compare different life decisions and scenarios on a single chart
- Export or delete your data anytime 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 | 1 ● no change since last check |
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| Trust Flow (Majestic) | 11 | 0 |
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| Citation Flow (Majestic) | 20 | 23 |
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| Referring domains (Majestic) | 16 | 51 |
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Finzen
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