Private expense tracker with on-device AI that never leaves your phone
Stage
Not given
MVP
Founded
Not given
Not given
Based in
Not given
Not given
Pricing model
Freemium
Free
Pricing
Free: $0/forever with 1 worksheet, desktop app (offline), and all core features. Premium: $6/month (billed yearly at $72/year or $9/month), includes unlimited worksheets, cross-device sync, mobile app access, web and desktop access, and priority support. 30-day free trial available with no credit ca
Not given
Key features
Continuous timeline view of past, present, and future financial life
Automatic projection of recurring income and expenses
Multi-currency and cryptocurrency support
100% offline desktop app with optional encrypted sync
Cross-device sync for Premium users
CSV and JSON import and export with no lock-in
Mobile app for quick transaction capture
Works on Web, Windows, macOS, Linux, iOS, and Android
No signup or bank credentials required to start
Automated bank SMS sync that filters promotions and OTPs
Receipt OCR that reads bills on the phone
On-device AI using Gemini Nano or Apple Intelligence
Dynamic budgets with automatic suggestions and alerts
Bill-splitting with shareable links
Debt and EMI tracking with interest calculations
Home and Lock Screen widgets
Support for 107 currencies with offline exchange rates
AES-256 encrypted local storage with password-protected backups
What makes it different
No signup, no bank linking, and works completely offline without any data selling or tracking
Automatic recurring transaction projection so every future date shows your actual expected balance
Single continuous timeline showing entire financial life instead of pages or months to click through
Full data ownership with import/export in CSV and JSON preventing any vendor lock-in
No account, server or cloud needed—everything stays on your phone
On-device AI that never uploads your data or questions
Works fully offline with local exchange rate data
Automatic bank SMS parsing without manual entry
Bank alerts understood in multiple currencies including rupees, dollars and euros
TinyCashflow
Fundstash