Finaura
Your Budget App Is
Selling Your Data.
Ours Never Will.
Finaura is the only full-featured personal finance app where your financial data stays on your device - no bank linking, no server, no account, no data sold. Ever.
What is Finaura?
Finaura is a free, privacy-first personal finance app for budgeting, tracking spending, and planning your financial future. It runs entirely in your browser and stores all of your data locally on your own device, so there is no bank linking, no account to create, and no server where your financial information could be stored or sold.
Core features include monthly budget planning, transaction tracking, a bill calendar, debt payoff calculators, savings goals, investment and retirement projections, a 6-month cash flow forecast, spending reports, a tax estimator, and credit health tracking. Finaura works offline and can optionally sync your data through your own Google Drive account.
Build your month before you live it.
Set income, expenses, and savings targets for every category in one guided grid, then let Finaura roll them forward automatically. Every paycheck, bill, and goal is accounted for before the month begins.
- Guided setup for income, expenses, and savings targets
- Plan multiple months ahead, not just the current one
- Categories roll straight into your live budget
Log it in seconds. See it everywhere it matters.
Quick-add a transaction on the go or batch-enter a week's worth at your desk. Every entry automatically updates your budget, your debt balances, and your goals at the same time.
- Split a single transaction across multiple categories
- Link payments directly to debts and savings goals
- Search and filter your full history instantly
Set it once. Watch it pace itself.
Your plan turns into a live budget grid, and Finaura does the watching. Pacing badges compare your spending to how far the month has progressed, so you know you're over budget before the bill comes due.
- Values carry forward automatically each month
- Green, amber, and red pacing badges per category
- Drag to reorder categories however makes sense to you
Plus everything else you'd expect from a full budgeting app
Bills
One calendar for every bill and paycheck, with one-tap mark-as-paid.
Debt Payoff
Pick Snowball or Avalanche and watch the exact payoff date get closer.
Goals
Set a savings goal for anything, then track progress as you fund it.
Investments
Track 401(k), Roth IRA, HSA, and brokerage accounts side by side.
Retirement & FIRE
Project compound growth and watch your retirement or FIRE number update live.
Forecasting
A 6-month cash flow projection, so shortfalls show up before they happen.
Reports
Spending trends, net worth, and category breakdowns without digging through statements.
Credit Health
Score and utilization tracking across every card, no credit pull required.
Tax Estimator
Estimate your effective rate and what you'll owe before filing season.
Subscriptions
Every recurring charge in one place, with renewal alerts before they hit.
Asset Tracking
Track everything you own alongside what you owe, for a true net worth.
Gift Tracking
Plan gifts for every birthday and holiday without blowing the monthly budget.
Achievements
Milestones and streaks that turn good financial habits into a long game.
Veda
Your on-device AI assistant, reading your finances without ever leaving your device.
0+ more features, already built in
The screens above are the highlights. Everything below is already live in the app today, not a roadmap promise.
- Guided setup wizard
- PIN creation & confirmation
- Starting income/expense/savings categories
- Household & income setup
- Account setup (checking, savings, credit, cash, and more)
- Pay frequency & tax filing setup
- Budget rollover opt-in
- Late income shift setup
- Interactive guided tour
- "What's New" release notes
- Financial overview dashboard
- Income, expense, and savings summary cards
- Expense breakdown chart
- Budget vs. actual chart
- Net worth timeline
- Net worth by asset type
- Days-of-buffer indicator
- Financial Health Score
- Bills & debt snapshot widgets
- Investment portfolio snapshot
- Month-end surplus recommendations
- Drag-and-drop, customizable widget layout
- Mobile-optimized layout
- Cross-app smart insights engine
- Actionable alerts across every feature
- Dismiss & snooze insights
- Smart Review center
- Shared household tracking
- Expense ownership tagging
- Family member management
- Household filters
- Bill reminders
- Subscription renewal alerts
- Overbudget alerts
- Gift reminders
- Full data export & import
- Encrypted backups
- Google Drive sync
- Peer-to-peer device sync
- Auto-unlock sync
- Multi-device conflict resolution
- Private category sync exclusion
- One-tap data reset
- Local PIN lock
- Multi-factor authentication (authenticator app)
- Passkey / biometric login support
- Recovery password
- Bank-level encryption
- No account or login required
- No tracking or telemetry
- Fully offline-capable
- Adjustable text size
- Reduce motion mode
- High contrast mode
- Dyslexia-friendly font option
- Dark mode
- 10 language options
- 12 currency formats
- Keyboard & screen-reader accessible
- Installable app (PWA)
- Full offline support
- Mobile & desktop optimized
- Guided tours per section
- In-app FAQ & help center
- Feedback submission
- Privacy Notice & Terms of Service
See Finaura in action
A look at every major view - all of your finances, all in one place, all on your device.
Your finances. Your device. Your rules.
Take back control of your financial data. No account. No bank linking. No subscription. Just your money, clearly organized.
▶ Try Finaura Free