| What it does | Desktop app for organizing income, expenses, budgets, subscriptions, and goals
| The all-in-one personal finance dashboard combining envelope budgeting, expense tracking, and portfolio management
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| Stage | Not given
| MVP
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| Founded | Not given
| 2020
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| Based in | Not given
| DE
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| Pricing model | Not given
| Free trial
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| Pricing | Not given
| Free during open beta. Full release will be subscription-based with price TBD. Beta users will receive a discount.
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| Key features | - AI insight that detects patterns and recurring expenses
- Budget guard with visual warnings before overspending
- Guided onboarding that builds your first month
- Real transaction editor with amount, date, category, account, merchant, tags, notes
- Reports with charts for category, monthly trend, savings, and extraordinary expenses
- Local-first data storage with optional account sync
- Control of recurring income, fixed and variable expenses, extraordinary movements, and monthly budget
- Google login for account creation
- Windows desktop application
| - 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
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| What makes it different | - Local-first by default, no account required to start
- Complete financial workspace in one compact, actionable view
- Build your first budget in minutes with guided onboarding
- Everything stays connected in one workspace
| - 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
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| Community votes | 0 | 0 |
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| DR (Domain Rating by Ahrefs) | 4 ● no change since last check | 16 ● no change since last check |
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| Trust Flow (Majestic) | 6 | 11 |
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| Citation Flow (Majestic) | 19 | 20 |
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| Referring domains (Majestic) | 22 | 16 |
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Flytivy Personal Finance
Finzen