Finzen: The zen personal finance tracker
The all-in-one personal finance dashboard.
Finzen simplifies money management by connecting envelope budgeting, cashflow tracking, and portfolio management in one seamless experience. Designed to help you see the full picture.
One app
Budget, track, invest
Privacy-first
Your data stays yours
Let's be honest
Managing your finances might seem scary
It really doesn't have to be. You don't need a financial advisor, a spreadsheet obsession, or a finance degree to get on top of your money. Just the right tools and a little clarity.
of workers live paycheck to paycheck, regardless of income level
Only 27% of Americans feel confident enough to create an investment plan
of people who use envelope budgeting report an improved financial situation
That's exactly why we built Finzen. One dashboard that puts everything in one place, laid out so simply that your finances just make sense.
Your finances aren't as complicated as you think. We'll show you.
Budget. Track. Invest.
Everything in one intuitive dashboard
Envelope-based budgeting: Assign every dollar a job before you spend it. Split your income into categories and track spending against each in real time. When a category runs low, you know immediately. No surprises, no guessing, no month-end regret.
Multi-asset portfolio tracking: Stocks, ETFs, crypto, commodities, forex — all in one dashboard. Track real-time prices, total returns, and net worth across every asset you own. Finzen calculates annualized performance and projections so you always know where your wealth stands.
Visual reports & dashboards: Your daily transactions become a complete picture of your financial life. Spending trends, budget health, net worth over time, and a Sankey diagram mapping every dollar from income to outcome. Clear, visual, and actually actionable.
Mindful Money Management
The Finzen method
Most finance apps promise convenience through automation. Link your accounts, sync your transactions, and forget about it. But when you stop paying attention, you lose control. Finzen is manual by design. Every transaction you log connects you to your money.
Those daily logs become visual stories: spending breakdowns, net worth timelines, cash flow diagrams that reveal where your money actually goes.
One small daily habit compounds into lasting financial freedom.
All-in-one Dashboard
Budget, invest, and track — your full financial life in one view.
Envelope Budgeting
Assign every dollar a job before you spend it. Split your income into categories, track in real time, and stop the guessing.
No finance degree required.
Made for everyone.
Whether you're logging your first paycheck or managing a multi-million dollar portfolio.
2–3 min a day · Desktop & mobile
Finzen Try Finzen today for free →
Privacy first design. All data stored fully encrypted on EU servers.
Visual Storytelling
Stunning graphs that show you your financial situation at a glance. Investments, spending, real-time net worth, and more.
Features
Finzen makes it easy to see how your personal finances are doing
Portfolio Management Made Simple
Keep an eye on your portfolio and net worth in real time or see how your holdings are performing long-term. Finzen supports tracking of stocks, ETFs, Crypto, Physical commodities, and foreign currency positions.
Manage Your Budget
Finzen makes it easy to keep a monthly budget. Set limits, track your spending, and revise. See how your spending is evolving over time to avoid lifestyle creep and running out of liquid funds.
Visual Reports
Market data and spending logs come together in beautiful, intuitive reports and graphs. From a simple monthly report card that shows you your situation at a glance, to a detailed sankey spending flow diagram, and much more.
How it works
Set your budget
Create envelope budgets and give every dollar a job. Zero-based, clear, and intentional from day one.
Track & invest
Manually log daily spending and track asset buys/sells. We do the rest. One place for all important metrics.
See the full picture
Sankey flows, portfolio breakdowns, net worth over time. Everything connects in intuitive reports and dashboards.
Pricing
Free to use
Full access while we're in open beta. No credit card required. Use Finzen for free and give us feedback to improve the app.
* The full release of Finzen will be subscription-based. Price TBD.
Beta users will recieve a discount.
Finzen is for everyone
Whoever you are, Finzen gets it
Broke-but-Ambitious
Paycheck to paycheck and sick of it. Envelope budgeting that actually makes sense - no spreadsheets, no shame. Just clarity on what you have and how to turn it around.
The Intentional Spender
You care where your money goes, not just how much you spend. Manual logging isn't a bug - it's the feature. Two minutes a day. Total awareness of your situation.
The Portfolio Optimizer
Serious investments, zero patience for five apps. Risk-adjusted returns, cumulative P&L, and cash flow forecasting, right next to your monthly budget. Never over-invest.
Privacy & Security
Finzen was built with security and privacy as a priority. All sensitive data is stored fully encrypted and can only be decrypted using your password. We have no way to access your encrypted data.
- AES-256 encrypted.
- EU servers.
- No bank sync.
- Zero-knowledge architecture.
- Privacy by design, not promise.
What our users are saying
Markus T.
35 • Berlin
"I used to maintain this monster Excel sheet to connect my YNAB budgets with my investment accounts. Finzen just... does that. The Sankey alone was worth switching."
Priya R.
28 • London
"I was the person who avoided checking their bank account because it gave me anxiety. Logging my expenses manually in Finzen actually helped. I feel in control for the first time!"
Jonas M.
24 • Rotterdam
"I tracked my crypto and ETFs in Delta and budgeted in the notes app on my phone. Having it all in one place with a proper net worth view finally made my finances feel like one story."
Is Finzen right for you?
This is for you if
- You're tired of juggling multiple apps and a spreadsheet.
- You want to actually understand your money.
- You're ready to spend 2-3 minuts a day logging.
- You want a personal finance tool that grows with you.
This is not for you if
- You want your bank account to sync automatically.
- You're looking for investment advice or robo-trading.
- You want a fire-and-forget app you check once a month.
- You're happy with separate apps for budgeting and investing.
Keep reading...
Personal Finance Basics
Managing money doesn't have to feel overwhelming. Finzen is built for people who just want to know where they stand - no spreadsheets, no stress.
Budget & Track Spending
Give every dollar a purpose. Set spending envelopes by category, log purchases as you go, and see your remaining budget update in real time.
Portfolio & Net Worth
Stocks, ETFs, crypto, forex, and commodities - all in one beautiful dashboard. Track your performance, and watch your net worth grow in real time.
The Finzen Method
Spend 2-3 minutes a day logging your expenses and you'll understand your money better than any bank sync ever could. No automation. Just awareness.
Privacy & Security
Finzen uses AES-256 encryption, EU servers, and zero-knowledge architecture. We can't read your financial data even if we wanted to. Privacy by design.
Charts, Reports & Insights
Log your spending, get the full picture. Daily entries become spending flows, budget charts, portfolio views, and a net worth timeline. All in one place.
Finzen Your finances, finally in one place.
Budget smarter, track every dollar, and watch your wealth grow. Finzen brings it all together in a few minutes a day. Start free today, no credit card or bank connection needed.