The all-in-one personal finance dashboard combining envelope budgeting, expense tracking, and portfolio management
Simple zero-based budgeting for spending clarity
Stage
MVP
Not given
Founded
2020
Not given
Based in
DE
US
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: $0/month. Pro: $99.00/year ($8.25/month when billed yearly) or $12.99/month when billed monthly. Eligible U.S. App Store subscribers get 14 days free trial, then $99.00/year.
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
Zero-based budgeting method
Manual transaction tracking
Intelligent recommendations for tracking
Recurring line items
Search across transactions and budget items
Export to CSV or XLSX
Cross-device sync
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
Built on simplicity by design, avoiding bloated features most people don't use
Free plan includes core budgeting without paid features
Works seamlessly across iOS, iPad, and web with real-time sync
Finzen
OnTrack Money