| What it does | AI-powered income and expense tracker that automatically categorizes transactions from photos, PDFs, voice notes, or text
| 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 | CA
| DE
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| Pricing model | Freemium
| Free trial
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| Pricing | Free plan: $0 forever with manual transaction entry, full history, 166+ currencies, unlimited AI scanning, and basic features. Pro plan: available at a discounted rate with code LAUNCH20 for 20% off, includes everything in Free plus batch AI scan, duplicate detection, historical data import, 7+ char
| 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-powered receipt scanning from photos with 99% OCR accuracy
- Voice input for logging expenses
- Automatic transaction categorization with subscription flagging
- Support for 166+ currencies with real-time exchange rates
- 7+ chart types for income and expense analysis
- AI assistant to query financial data in plain English
- One-click tax-ready Excel export
- Mobile app for iOS and Android
- PDF and text input for transactions
- Duplicate transaction detection
| - 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 | - No bank connection or payment data stored - you control all financial data
- Zero retention policy: all data permanently deleted when account is closed
- 4 different input methods (photo, voice, PDF, text) to log expenses however you prefer
- Built by independent team with no investors or hidden fees
- Financial data never sold or used for advertising
| - 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) | 21 ● no change since last check | 16 ● no change since last check |
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| Trust Flow (Majestic) | 4 | 11 |
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| Citation Flow (Majestic) | 16 | 20 |
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| Referring domains (Majestic) | 37 | 16 |
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Lydra Finance
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