Finzen

Finzen is a personal finance tracker that combines envelope budgeting, cashflow tracking, and portfolio management in a single dashboard. It addresses the challenge of fragmented financial oversight by requiring manual transaction logging to foster mindful awareness rather than automated convenience.

The tool centers on envelope-based budgeting in which users assign every dollar a job before spending, split income into categories, and monitor real-time balances so that shortfalls become immediately visible. Portfolio tracking covers stocks, ETFs, crypto, physical commodities, and foreign currency positions with real-time prices, total returns, net worth, annualized performance, and projections. Visual reports turn logged data into spending trends, budget health indicators, net worth timelines, and Sankey diagrams that map income to outcomes. The process follows three steps: set zero-based envelope budgets, manually log daily spending and asset transactions, then view connected dashboards that reveal the full financial picture.

Finzen is built for diverse users including those living paycheck to paycheck, intentional spenders who want awareness of where money flows, and portfolio optimizers managing serious investments alongside monthly budgets. It runs on desktop and mobile interfaces and takes two to three minutes daily. The architecture stores all data fully encrypted on EU servers using AES-256 with zero-knowledge design so that only the user can decrypt it; no bank connections are required.

The service is free during its open beta with full access and no credit card needed. It will become subscription-based after the beta, with pricing to be determined and discounts for beta users. The emphasis remains on privacy by design and a manual method that turns daily habits into visual financial stories.