The all-in-one personal finance dashboard combining envelope budgeting, expense tracking, and portfolio management
Stage
Not given
MVP
Founded
Not given
2020
Based in
US
DE
Pricing model
Freemium
Free trial
Pricing
Personal: Free forever. Family: $14.99/month or $149/year. Pro: $9.99/month standalone or $99.90/year, or $7.99/month with Family. Elite: $49.99/month for first 3 seats, $19/month per additional seat.
Free during open beta. Full release will be subscription-based with price TBD. Beta users will receive a discount.
Key features
Bill Tracker - Track recurring bills with AutoPay marking
Income Tracker - Log income sources with pay frequency
Debt Payoff Calculator - Choose avalanche or snowball strategy
Bank Sync via Plaid - Automatic transaction categorization
Bank-Verified Payments - Checks against real bank activity
Budget Health Score - 0-100 score showing spending alignment
Net Worth Tracker - Track assets and debts
Invoicing and A/R - Create and track invoices with online payments
Profit & Loss Summary - Export P&L statements for accounting
Household member accounts - Up to 5 members with shared budget
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
What makes it different
Bank-verified payments confirm actual clearing dates against bank activity
Completely free personal tier with no credit card required
Shared household finances for up to 5 members
Built-in invoicing and business tools without separate apps
Revenue portion supports community aid for basic necessities
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
Nemonix
Finzen