| What it does | Desktop app for organizing income, expenses, budgets, subscriptions, and goals
| Budgeting and debt payoff planner with no bank linking and no data selling
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| Stage | Not given
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| Founded | Not given
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| Based in | Not given
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| Pricing model | Not given
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| Pricing | Not given
| Free plan: 2 accounts, 5 debts, 1 property, no card required. Home plan: $5.99/month.
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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
| - Avalanche, snowball, or custom debt payoff order
- Projected debt-free date
- Financial forecasting up to ten years out
- Overdraft warnings months in advance
- Bank and credit card statement upload
- No bank account connection required
- Two-factor authentication and encryption
- Consolidation offer calculator
- Household sharing of financial books
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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
| - No bank account linking – you enter numbers, not credentials
- Price locked in for life – no rate increases
- Reads bank statements to eliminate manual data entry
- Actual debt-free date instead of vague projections
- Warns of overdrafts months before they happen
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| Community votes | 0 | 0 |
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| DR (Domain Rating by Ahrefs) | 4 ● no change since last check | 10 ● no change since last check |
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| Trust Flow (Majestic) | 6 | 22 |
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| Citation Flow (Majestic) | 19 | 12 |
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| Referring domains (Majestic) | 22 | 2 |
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Flytivy Personal Finance
The Silo