The all-in-one personal finance dashboard combining envelope budgeting, expense tracking, and portfolio management
Know the day you'll be debt-free
Stage
MVP
Not given
Founded
2020
Not given
Based in
DE
Not given
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 for core features. Premium available as monthly subscription, yearly subscription, or one-time lifetime purchase. Premium subscriptions include a free week trial.
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
Debt payoff tracking with snowball and avalanche methods
Bill and payment reminders
Home screen widgets and Siri voice commands
Supports 44 languages and all major currencies
Shared budgets and goals with family or partners
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
Shows the exact month you'll be debt-free
Data stored only on your iPhone and iCloud, not Spendry's servers
Works offline with local calculations
Automatic reminders for bills, cards and subscriptions even when app is closed
Finzen
Spendry