| What it does | Personal finance app for expense tracking and budgeting with privacy and simplicity
| 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 | HU
| DE
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| Pricing model | Free trial
| Free trial
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| Pricing | $59 per year for web and mobile app with all features included. 30-day free trial available with no credit card required.
| 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 | - Envelope or Zero-Based budgeting with Budget Assistant
- Bank statement import (OFX, QFX, CSV) with auto-categorization
- Siri voice integration for iPhone expense recording
- Financial reports on spending, income, vendors and cash flow
- Multi-account management for checking, savings, cash, credit cards and loans
- Cross-device synchronization across desktop, laptop and mobile
- Smart credit card and loan handling with automatic repayment planning
| - 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 | - Privacy-first design requiring no bank connection, only an email address
- Balance between simplicity and power for serious financial planning
- Clean, intuitive interface designed for ease of use
- Flexible usage as either simple tracker or full budgeting tool
| - 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) | Not checked yet ● no change since last check | 16 ● no change since last check |
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| Trust Flow (Majestic) | 3 | 11 |
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| Citation Flow (Majestic) | 20 | 20 |
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| Referring domains (Majestic) | 6 | 16 |
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Finzen