| What it does | Free budget app and expense tracker with budgets, bills, savings goals and net worth in 166 currencies
| 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 | US
| DE
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| Pricing model | Freemium
| Free trial
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| Pricing | Free: $0 forever (1 wallet, 1 budget, 1 recurring, 1 savings goal, 1 income goal, unlimited transactions). Pro: $4.99/month or $39/year (save 35%).
| 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 | - Track bank, cash, card, crypto and investment accounts in one dashboard
- Budgets by category, wallet or tag
- Recurring bills on autopilot
- Savings goals and income goals
- Net worth in 166 currencies at live rates
- Excel and CSV import and export
- English and Arabic with full RTL support
- Shared wallets for household budgeting
- Interactive spending reports and charts
- No bank login required
| - 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 | - Real free plan with unlimited transactions, not a time-limited trial
- 166 currencies with live exchange rates
- No bank credentials required—import from Excel, CSV or other apps instead
- Full data ownership—export anytime, no lock-in
- Works fully in English and Arabic with right-to-left support
| - 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) | 2 ● no change since last check | 16 ● no change since last check |
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| Trust Flow (Majestic) | 9 | 11 |
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| Citation Flow (Majestic) | 23 | 20 |
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| Referring domains (Majestic) | 392 | 16 |
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KeepBudget
Finzen