Finzen

Finzen is a personal finance dashboard that combines envelope budgeting, portfolio tracking, and expense logging in one manual-by-design app. It takes your daily income and spending logs as input and produces real-time budget health, net worth timelines, and visual reports like Sankey diagrams. It runs on the web (desktop and mobile) and is built by the Finzen team (no company name on page).

What is Finzen?

Finzen is an all-in-one personal finance tool that replaces separate budgeting apps, portfolio trackers, and spreadsheet manual logging. It takes manual transaction entries (income, expenses, asset buys/sells) and outputs envelope budget status, multi-asset portfolio performance, and visual reports. It runs in any web browser on desktop and mobile. The Privacy & Security page states it uses AES-256 encryption on EU servers with zero-knowledge architecture.

Key Features

• Envelope-based budgeting — Assign every dollar to a category before spending; track remaining budget in real time against spending logs.
• Multi-asset portfolio tracking — Manually log holdings in stocks, ETFs, crypto, commodities, and forex; view real-time prices, total returns, annualized performance, and net worth.
• Visual reports and dashboards — Spending trends, budget health, net worth over time, and Sankey diagrams that map income to expense categories (learn more about visual storytelling).
• Manual logging by design — No automatic bank sync; users log 2–3 minutes daily, building awareness through intentional tracking (the Finzen Method).
• Privacy-first architecture — AES-256 encryption, EU servers, no bank connection, zero-knowledge design (privacy details).
• Free during open beta — Full access to all features with no credit card required.

Who is it for?

• Broke-but-ambitious individuals — Those living paycheck to paycheck who want envelope budgeting without spreadsheets.
• Intentional spenders — People who value manual logging for total awareness, not convenience.
• Portfolio optimizers — Investors tracking multiple asset types (stocks, crypto, etc.) alongside a monthly budget.

What can you do with Finzen?

• Create envelope budgets — Set spending limits by category, log purchases, and see remaining balances update instantly.
• Track investment portfolio — Log buys/sells of stocks, ETFs, crypto, commodities, and forex; view cumulative P&L, annualized returns, and net worth over time.
• Generate visual reports — Monthly report cards, spending flows (Sankey), net worth charts, and cash flow diagrams.

How does Finzen work?

1. Set your budget — Create envelope budgets (zero-based) for each spending category.
2. Track & invest — Manually log daily expenses and asset transactions (buys/sells). Finzen calculates remaining budgets and portfolio metrics.
3. See the full picture — Dashboards combine budget health, portfolio performance, and net worth into visual reports.

Pricing

Finzen is free during its open beta phase. No credit card required. The full release will be subscription-based, with beta users receiving a discount.

Pros and cons

Pros:

• Privacy-focused with encryption and no bank sync.
• Combines budgeting and investing in one dashboard.
• Visual reports (Sankey charts) provide clarity.
• Manual logging encourages mindful money habits.

Cons:

• No automatic bank sync — all entries must be manual.
• No investment advice or robo-trading features.
• Still in beta — pricing and features may change.

FAQ

Is Finzen free?

Yes, Finzen is currently free during open beta with full feature access. A subscription model is planned for the full release.

Does Finzen sync with my bank?

No, Finzen is manual by design. You log transactions yourself, which the app calls a feature for building financial awareness.

What assets can I track?

Stocks, ETFs, crypto, physical commodities, and foreign currencies — all in one portfolio dashboard.

How is my data protected?

All financial data is AES-256 encrypted and stored on EU servers. Finzen uses zero-knowledge architecture, meaning even the company cannot read your data.

Can I use it on mobile?

Yes, Finzen is accessible via any web browser on desktop and mobile.