Finzen is an all-in-one personal finance app that combines envelope budgeting, manual expense tracking, and portfolio management in one dashboard. It is designed for people who want a calm, intentional relationship with their money, not another bank-syncing automation tool. Finzen is AES-256 encrypted, EU-hosted, and requires no bank connections.

How is Finzen different from Mint, YNAB, or Monarch?

Finzen differs in three main ways: it has no bank sync with all transactions entered manually, which keeps bank credentials secure and builds spending awareness; it combines budgeting and investing in one app so net worth includes all asset types; and it uses client-side AES-256 encryption with zero-knowledge architecture on EU servers under GDPR, unlike competitors that rely on US-based bank aggregators.

Does Finzen connect to my bank?

No, Finzen does not connect to banks or brokerages. All transactions are entered manually by design, so your bank credentials never leave your bank, there is no third-party aggregator in the middle, and manual entry creates the financial awareness that drives better decisions.

Finzen is free to start during the open beta. The business model is a paid subscription app, not ads or data sales. The company cannot sell data due to zero-knowledge encryption that makes the data technically unreadable to them.

What assets can I track in Finzen?

Finzen tracks stocks, ETFs, crypto, forex, and commodities in a single portfolio view. Live prices update automatically. Because Finzen does not connect to brokerages, you add positions manually or via CSV import. Your complete net worth (cash + investments) is visible alongside your budget.

Personal finance

Finzen

The all-in-one personal finance dashboard combining envelope budgeting, expense tracking, and portfolio management

Open finzen.org (external, new tab)0 votes. Log in to endorse Finzen community vote

Votes: 0
DR (Ahrefs): 16 no change since last check
Founded: 2020

Ahrefs Domain Rating reported 28 Oct 2026, restated 25 Oct 2026.

An all-in-one personal finance app that combines envelope budgeting, manual expense tracking, and portfolio management with AES-256 encryption and EU hosting.

Overview

Screenshot of the Finzen homepage — A look at finzen.org

Finzen is a personal finance dashboard designed for people who want a calm, intentional relationship with their money. It combines envelope-based budgeting, manual expense tracking, and portfolio management in one seamless experience, allowing users to track stocks, ETFs, crypto, forex, and commodities alongside their cash and budget.

Unlike automation-focused finance apps, Finzen is built for manual entry, requiring users to log transactions daily to build financial awareness. All data is AES-256 encrypted with zero-knowledge architecture and hosted on EU servers, meaning your bank credentials never enter the system and the company cannot access your data. The app includes visual reports, Sankey diagrams, real-time net worth tracking, and portfolio performance analytics.

Finzen launched in public beta in January 2026 and is free to use during the beta period. The full release will be subscription-based with a price to be determined, and beta users will receive a discount.

Feature summary

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

Pricing

Pricing model: Free trial

Free during open beta. Full release will be subscription-based with price TBD. Beta users will receive a discount.

Finzen metrics

Reported for finzen.org: Ahrefs Domain Rating and Majestic link figures, with the movement since the prior report.

Domain Rating: 16; no change since last check
Trust Flow: 11; no change since last check
Citation Flow: 20; no change since last check
Referring domains: 16; no change since last check
External backlinks: 147; no change since last check

Ahrefs Domain Rating reported 28 Oct 2026, restated 25 Oct 2026. Principal topic: Computers/Software/Operating Systems (11). Majestic reported 25 Oct 2026, restated 25 Oct 2026. Link figures sourced from Majestic. Trust Flow, Citation Flow and Topical Trust Flow are trademarks of Majestic-12 Ltd.

Finzen domain summary

Show the domain summary

Read from the public RDAP record on 27 Oct 2026, 16:20 UTC.

Domain age: 2 years
Registered: 18 Feb 2024
Expires: 18 Feb 2027
Registrar: NameCheap, Inc.
DNSSEC: Not signed

Detailed domain report: finzen.org

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Q&A

What is Finzen?: Finzen is an all-in-one personal finance app that combines envelope budgeting, manual expense tracking, and portfolio management in one dashboard. It is designed for people who want a calm, intentional relationship with their money, not another bank-syncing automation tool. Finzen is AES-256 encrypted, EU-hosted, and requires no bank connections.
How is Finzen different from Mint, YNAB, or Monarch?: Finzen differs in three main ways: it has no bank sync with all transactions entered manually, which keeps bank credentials secure and builds spending awareness; it combines budgeting and investing in one app so net worth includes all asset types; and it uses client-side AES-256 encryption with zero-knowledge architecture on EU servers under GDPR, unlike competitors that rely on US-based bank aggregators.
Does Finzen connect to my bank?: No, Finzen does not connect to banks or brokerages. All transactions are entered manually by design, so your bank credentials never leave your bank, there is no third-party aggregator in the middle, and manual entry creates the financial awareness that drives better decisions.
Is Finzen free?: Finzen is free to start during the open beta. The business model is a paid subscription app, not ads or data sales. The company cannot sell data due to zero-knowledge encryption that makes the data technically unreadable to them.
What assets can I track in Finzen?: Finzen tracks stocks, ETFs, crypto, forex, and commodities in a single portfolio view. Live prices update automatically. Because Finzen does not connect to brokerages, you add positions manually or via CSV import. Your complete net worth (cash + investments) is visible alongside your budget.

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