Personal finance
Finances in order. Every asset in balance.
More than income and expense tracking: budgets, utility bills, investments, property and vehicles — the full picture of your net worth in one app. Works offline, data stored in the EU.
Now on Google Play and the App Store. Android and iOS are the same app, with the same features.
AI that does the boring part
AI here is not decoration and not a chatbot. It does exactly the work people abandon after the second week: reading receipts, sorting expenses into categories and parsing bank statements.
Photograph the receipt at the till
Date, amount, merchant and line items recognized
Expense saved in the right category
A photo becomes an expense: date, amount, merchant and, when you need them, individual line items. When the receipt carries a fiscal QR code, the data is read straight from it — instantly, with no connection, and without touching your AI allowance. Image recognition steps in only when there is no code, or it will not read.
The app works out an unknown merchant once and immediately turns the answer into a rule of your own. Every later expense from that shop is then categorized on the device itself — instantly, with no connection and no AI allowance spent. The longer you use it, the less often it is needed at all.
CSV, XLSX and PDF. Columns are detected automatically — even when the headers are Windows-1251 encoded or carry a Latin letter in the middle of a Ukrainian word. Duplicates are not imported twice, and an ATM withdrawal becomes a transfer to Cash.
Settings carry a single switch that disables every AI feature. The app stays fully functional afterwards: QR receipts, on-device recognition, categorization rules and statement import all work without ever calling a model.
Any bank, any currency
No integration to wait for and no country to be supported in: a statement file and a few taps, and the whole picture adds up in one currency.
CSV, XLSX or PDF from any bank. You point out the date, amount and description columns once and the format is remembered. Duplicates are filtered out when a file is uploaded twice, and an ATM withdrawal becomes a transfer between accounts rather than an expense.
Accounts in different currencies roll up into one picture at rates that update on their own. You choose what the total is counted in.
Meters, readings, tariffs, charges and payments — per address. Reading history is kept, so both consumption and debt are visible.
Features
Daily tracking, planning and the full picture of your capital. Nothing superfluous, nothing missing.
A connection is needed exactly once — to sign in. After that the app is fully usable with no connection: your data lives on the device, not on a server, and sync catches up when you are back online.
Cash, cards, deposits and credit limits. Transfers between accounts are one operation, with an explicit balance correction for when reality and the ledger disagree.
A loan, a mortgage, an installment plan or money owed to a friend — with what is left, what is already repaid, and how much of each payment went to the debt rather than to interest and the bank’s fee. A down payment is not counted as debt, a credit taken out before you installed the app is entered as it stands today, and a mortgage shows how much of the flat is already yours. The instalment the bank took by standing order is found in your ledger instead of being recorded twice.
Work money apart from personal money — and both at once. A profile is a set of accounts: switch it on and the totals, the statistics and the budget show only those; switch it off and you see the whole. An account belongs to one profile, so there is nothing to decide per transaction.
An account or a flat can be shown to the people you live with — with its history, its plan and its utility bills. The rest of your money stays yours. The key travels from phone to phone, the server never holds it, and not even the family sees your receipt photos.
Monthly limits per category, with alerts at 80% and 100% delivered as a device notification rather than as an after-the-fact line in a report.
Trends over periods, distribution by category and a drill-down to the individual transaction. Multiple currencies roll into one.
Portfolio, positions, quotes and your own watchlist. Profit and loss shown in the currency you think in.
A home, a car and everything else you own sit alongside your accounts to give one honest number: what you are actually worth.
The app spots repeating charges by itself, shows them separately and reminds you in advance.
The month’s budget as a ring, the account balance, and recording an expense — without opening the app. Tapping a category opens the form with that category already chosen, so a spend takes two actions. Amounts on the widget are a separate choice, off by default: while it is off, or while the app is locked, the widget shows its label and no figure.
A goal with an amount and a deadline, top-ups from any account, and visible progress.
Phone and tablet see the same data. Conflicts resolve automatically and history is never lost.
PIN or biometrics on entry, and no passwords to remember: sign in with Google, or with a passkey if you prefer.
Search by description, account and period is instant even across years of history — because it runs on the device.
Your whole history in one encrypted file on your own device. No server is involved, and only your passphrase opens it. Restoring on a new phone brings every record back exactly as it was — same amounts, same dates, same receipt photos. Works offline and on every tier, which matters most on the tier that has no sync.
Transactions as a CSV sheet for Excel or Google Sheets, everything as a JSON file in an open format. It is your data: take it whenever you like, on any plan, without asking us.
About a budget, a recurring payment or a meter reading — local notifications, without the noise.
The same ledger on a computer: wide tables, several filters at once, and keyboard control. Part of Plus; the account itself is created in the app.
Privacy
A money app sees the most personal thing on your phone. That is why privacy here is not a settings page but the way it is built.
Amounts, balances and budgets, the names of your accounts and goals, the notes you write, receipt and meter photos — all of it is scrambled on your own phone before it ever leaves for the server. The key to unscramble it exists only on your devices, so what sits on the server is unreadable jumble: neither we nor anyone who gets into the database sees your money.
The server is hosted in the European Union. Backups live there too.
The app carries no advertising SDK, no advertising identifier and no behavioural analytics. It earns from subscriptions, not from data.
On the free tier sync is off by design: your data stays on one device and never reaches the server at all. On the paid tier you can switch it off too — if you would rather your records stayed with you.
One switch disables every model call. Amounts, balances and your account names never travel there in the first place.
A button in settings deletes your account and everything the server held about you, together with this device’s copy.
Your bank access token is stored encrypted, and the connection to the server is HTTPS only.
What it looks like
Real screens from the app. Switch the website theme to see the interface in its light or dark appearance.
Shown in dark theme
Home: assets, income and spending
The home screen is yours to arrange
An expense in a few taps
One line instead of a form
The receipt becomes the line items
The receipt stays with the expense
Transactions, grouped by day
Categories and rules of your own
A budget that carries the leftover
Spending week by week
Where the money went
Categories, week by week
The budget archive by month
Utilities: seasons and reasons
Credits with schedule and payments
Portfolio and allocation
Everything else, in one menu
Security: biometrics, PIN, 2FA
A backup behind a password
Your data is yours to take
Widgets: the budget and the balance without opening the app
Features
One page per feature: a short video of the real app, and the same path in words for anyone who would rather read than watch.
Receipt scanningYou are standing at the till with a receipt in your hand. Instead of typing the amount, the shop and the date, you photograph it — and the app fills those fields in for you. Keeping books costs one photo instead of five fields, and the receipt itself stays attached to the expense.
Adding an expense in one lineYou are walking and adding a coffee. Instead of a form, one line written the way you would say it: the app takes the amount, the currency, the date and the category out of it. The parsing happens on the device, so it works with no network and uses no AI allowance.
Spending statisticsAt the end of the month the question is not how much is left but where it went. Statistics answers it in three steps: by day, by category, and down to the shop that took the money. Everything is counted from your own records on the device, so it works offline.
Financial profiles: work money apart from personal moneyMaybe you have a small business and your own wallet. Or you and your partner keep a shared purse next to your own money. Each is its own thing, but the app is one, and every number in it mixes everything together. A profile fixes that. You give it a name, pick which accounts belong to it, and switch it on. From then on the app shows only those accounts. Switch it off and you see everything again.
Family access: shared money on two phonesSharing money is not the same as sharing an app. You split the rent and the groceries, but you do not want to show someone everything you own, and you do not want to explain every evening where the money went. Family access shares only what you ticked: an account or a home, with its history and its budget. Nothing else.
Utility bills: one photo, and the amounts land on the right servicesOnce a month a bill arrives with a dozen lines on it, and you pay the whole thing in one go. Typing every line into an app is dull and slow. So a photo does it instead: you snap the bill, and the app spreads the amounts across your services and ties them to the one payment you already made. The same screen keeps everything else about the flat too: meter readings, tariffs, what is owed and how late, and how the bill changes from month to month.
Meter readings from a photoThe meter is in a hallway or a cellar, the digits are small, the light is poor, and it has to be read every month. A photo is simpler: the app reads the digits off the picture, puts them in the field and works out how much you have used since last time. You check, you correct if needed, and the last word is always yours. Around that one photo the app keeps the rest: the tariff, what the month cost, a reminder for the reading day, and the picture itself as proof.
Import a bank statement: send the file straight from your banking appYour bank already knows everything you spent: the date, the amount, the shop. Typing it all into an app again is wasted work. Take a statement for the month and hand it over. The shortest way is not to save the file anywhere: in your banking app tap Share and pick FinLad. The statement opens on the import screen. The app sorts out the columns, shows you exactly what it is about to record, marks anything you already have, and writes nothing until you say yes.Web client
The same ledger in a browser window: wide tables, several filters at once, keyboard control. Part of Plus; the account is still created in the app.
Pricing
The free tier is a complete personal tracker on one device, not a demo. Paying makes sense when you need sync and banks.
$0
forever
$24.99
per year
or $2.99 per month
$54.99
one-time
A single purchase, no subscription
Billed through Google Play or the App Store, in your local currency.
Compare tiersFAQ
Yes — once you have signed in. Signing in needs a connection exactly once, because that is when the server issues the session. After that the app is fully usable offline: you can add transactions, view statistics and manage budgets, and it opens with no network at all — the session is restored from the device. If your tier includes sync, changes reach the server as soon as you are back online.
No, and there is nothing to give: the app never asks for a bank login or password and has no way to use one. Transactions come from a statement file you export yourself, so nothing of yours is connected to anything of ours.
Only the receipt photo you took yourself, or a transaction description from a statement. Amounts, balances, your account names and your personal details are never sent, and a transfer whose description names a person is not sent at all. Every AI feature can be switched off with one toggle.
Any bank’s. There is no list to be on: you export CSV, XLSX or PDF from your bank and point out the date, amount and description columns once. The mapping is remembered, so the next file from the same bank is read straight away.
Nothing disappears. You lose access to paid features and to sync, but your entire history stays — on the device and on the server — until you delete the account yourself. Viewing your own data never requires payment.
Settings carry an account deletion button. It removes everything the server stored about you and the copy on this device. The action is irreversible — we deliberately keep no shadow copy.
Both. It is the same app: Android and iOS are built from one codebase, with the same screens, the same home-screen widgets and the same offline behaviour. Both are published — Android on Google Play, iOS on the App Store — and they ship together, as one version.
Contact
A question, an idea or a problem — it all goes straight to the developer. We reply to the address you leave, if you leave one.