Finzen
Bank-like security with better privacy
AES-256 encrypted. EU servers. No bank sync. Zero-knowledge architecture. Privacy by design, not promise.
Your data. Your control.
Most finance apps ask you to trust them with everything: your bank credentials, your transaction history, your spending patterns. Finzen takes a different approach. AES-256 encryption before data ever leaves your device. Zero-knowledge architecture so we can't read your financial information even if we wanted to. EU servers under GDPR protection. No bank connections, no broker sync, no third-party data sharing.
This isn't just about compliance or checking boxes. It's about fundamentally rethinking what a secure finance app should be. Your bank can read your data. Traditional finance apps can read your data. We can't - and that's by design, not accident.
Security by Design
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End-to-End Encryption
Bank-grade AES-256 encryption happens in your browser before data leaves your device. Your financial information is encrypted at rest and in transit.
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Zero-Knowledge Architecture
Your encryption keys are derived from your password and never transmitted to our servers. We physically cannot decrypt or read your data.
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EU Servers & GDPR
All data stored on European Union servers under strict GDPR privacy laws. No transfers to countries with weaker data protection.
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No Bank Connections
Manual entry means no API access to your banks or brokers. Your login credentials never touch our servers. Complete isolation by design.
Encryption that actually protects you
Many apps claim to be secure but encrypt data on their servers. Finzen encrypts everything in your browser using AES-256-GCM before it ever leaves your device. This is the same standard used by banks and governments worldwide.
Your encryption key is derived from your password and never transmitted anywhere. We don't store it. We don't see it. A truly encrypted finance app means even we can't access your budgets, transactions, or portfolio data.
- AES-256-GCM — military-grade encryption standard
- Client-side encryption — locked before it leaves your device
- Zero-knowledge — your keys never touch our servers
No bank connections. By design.
Most finance apps want access to your bank. They need your login credentials or API tokens to pull transactions automatically. That's convenient, but it's also a single point of failure. One breach exposes everything.
Finzen takes a different path. You log transactions manually: 2-3 minutes a day. Your bank credentials stay with your bank. Your broker credentials stay with your broker. A private finance app shouldn't need access to your accounts to help you manage them.
EU servers. GDPR compliant.
Where your data lives matters. Finzen stores your encrypted data on servers in the European Union, protected by GDPR - one of the world's strongest data protection frameworks. No fine print about transferring data to jurisdictions with weaker privacy laws.
A GDPR finance app means real accountability. You have the right to access, correct, or delete your data at any time. Your financial information stays in the EU, governed by privacy regulations that put users first.
- EU data residency — servers physically located in Europe (Frankfurt, Germany)
- GDPR rights — access, correction, and deletion guaranteed
- No cross-border surprises — data stays where privacy is law
Our Privacy Promise
Finzen is a passion project built by a single developer. No investors demanding growth metrics. No board meetings discussing monetization strategies. No data brokers waiting for a feed.
I built this because I wanted a private budgeting app that respected my financial data. Every architectural decision - from zero-knowledge encryption to refusing bank connections comes from that foundation. I have no one to sell your data to. No conflicts of interest. I work for my users, not advertisers.
This app was built with love and care, obsessively refined over hundreds of hours. Privacy isn't a feature I tacked on, it's a core part of Finzen's philosophy.
Finzen 
Here's what's interesting: the same design that protects your privacy also builds your financial awareness. When you log transactions manually, you're not just keeping your bank credentials safe - you're paying attention. Every expense becomes a conscious choice. Every entry is a moment of reflection.
2-3 minutes a day. That's all it takes. In exchange, you get both: an architecture that keeps your data private and a daily practice that keeps you connected to your money. Security and mindfulness, built into the same design.
Personal Finance tracking that respects your privacy
Most finance apps want access to everything. Your bank logins. Your broker credentials. Your spending patterns. Your entire financial life becomes their data asset - to monetize, to sell, or to lose in the next breach.
Finzen is different. AES-256 encrypted before data leaves your device. Zero-knowledge architecture. EU servers under GDPR. No bank connections. Your budgets, your investments, your net worth - visible only to you.
Your financial data belongs to you. Only you.
No credit card required. No bank connections. Just privacy.
Continue exploring
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.
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.