The all-in-one personal finance dashboard combining envelope budgeting, expense tracking, and portfolio management
Your money, across borders
Stage
MVP
Not given
Founded
2020
Not given
Based in
DE
ID
Pricing model
Free trial
Freemium
Pricing
Free during open beta. Full release will be subscription-based with price TBD. Beta users will receive a discount.
Free plan with unlimited accounts in any currency, Money Chat, budgets, forecast and encrypted sync. Nomad Monthly at $6.99 per month or Nomad Yearly at $59 per year (save 29% yearly). All plans billed in USD through Paddle.
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
Accounts in any currency with single Net Worth view
Money Chat for natural language transaction entry
End-to-end encrypted sync across devices
Budget income and spending with runway forecast
Scenario planning and forecasting
CSV and ZenMoney import
Local-only or Private AI options
Data export as JSON or CSV
Recovery key backup
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
Privacy-first design with end-to-end encryption that even the company cannot read
Designed specifically for people managing life across multiple countries and currencies
AI that respects privacy with local-only mode running in browser
No bank login required, manual entry or import only
Free plan with full workspace including encrypted sync
Finzen
Nomad Flow