Skip to content
New — Net-worth tracking for every account

Your personal finances,
clear and simple.

YFINIQ is an AI personal finance assistant app — one ledger for every account, budgets that tell you exactly where you stand, and net worth tracked daily. Ask it anything about your own numbers. No noise, no jargon, no upsells.

Start free — no cardTry interactive planner
  • No ads, no data sales
  • Your data, deletable
  • Free while in early access
Overview · May 2026
Net worth · all accounts
$ 184,202.46
+ $ 6,812.40 · last 30 days4 accounts
Income · 30d
$ 5,820
+ 4.1% vs April
Expenses · 30d
$ 3,142
− 2.0% vs April
Recent activityLast 24h
  • Salary · Acme Co.Cleared
    Income · Today 9:02am
    + $ 3,420.00
  • Trader Joe'sCleared
    Groceries · Yesterday
    − $ 64.30
  • VTSAX rebalanceCleared
    Investment · May 22
    + $ 412.18
Salary · + $ 3,420!Transport · 78% used
Features

Everything in one place. Nothing you don't need.

YFINIQ handles the busywork — tracking accounts and transactions, assisting you with AI, monitoring net worth, and managing budgets and savings goals — so the numbers on the screen are the only ones you have to think about.

Core AI Capability

Ask in plain language

“What did I spend on groceries in July?” — the assistant reads your ledger and answers, or records transactions, budgets and goals for you in seconds.

One ledger

Accounts, cash and investments on a single, calm timeline — entered by you, never scraped from your bank.

Honest budgets

Quiet green when on track. Honest red when over. Never an unsolicited guilt notification.

Net worth, daily

A single number that moves with you — and the calm breakdown that explains why.

Your categories

Organise spending your way, and let the assistant file a transaction for you when you'd rather just describe it.

Private by design

Your data is scoped to your account by row-level security, and YFINIQ carries no advertising and no behavioural profiling.

How It Works

Simple by design. Three steps to clarity.

No complex bank syncing to troubleshoot and no credentials to surrender.

01

Create your workspace

Choose your base currency from 166 ISO codes and set your number formatting. Your workspace is isolated by PostgreSQL row-level security from moment one.

02

Add your accounts

Enter your checking, savings, cash, and investment accounts with their current balances. You never give away your banking passwords or credentials.

03

Track and ask questions

Log transactions manually or ask the AI assistant in plain language: “Add $45 for groceries on Amex”. Watch your net worth and budgets update automatically.

Dashboard

Your whole money picture, one calm screen.

A single number tells you where you stand. The allocation bar shows where your money is working. Tap any account to inspect the ledger behind it.

  • Multi-account asset allocation across checking, high-yield cash, and global investments.
  • Instant ledger inspection — click any account to preview the transactions that make up its balance.
  • Zero bank credential scraping — you own every entry, completely immune to silent bank connection drops.
Asset Allocation & Ledger
Interactive multi-currency balance overview
Portfolio Asset DistributionNet: $ 184,202.46
Investments (75%)Checking (15%)Savings (10%)
Click row to preview entries
Main Checking
Checking
$ 28,420.50
15% allocation
Recent Verified Ledger Entries
Payroll Deposit · Acme CorpToday
+ $ 3,420.00
Grocery MarketYesterday
− $ 84.10
Utility BillMay 20
− $ 62.40
Ledger in sync (30d)+ $ 6,812.40 last 30 days
Budgets · May 2026
$ 718 of $ 1,070 · 67% used
  • Groceries
    $ 152 / 40038%
  • Dining out
    $ 168 / 20084%
  • Transport
    $ 270 / 200100%
  • Subscriptions
    $ 84 / 12070%
  • Entertainment
    $ 45 / 15030%
Test Transport Spending:
Transport is over budget
Over by $ 70 — adjust your transport limit or reallocate from dining out.
Budgets

Budgets that tell you the truth.

Quiet green when on track. Honest red when you're over. No guilt notifications, no streak gimmicks — just the number that matters for the next decision you make.

  • Honest red when over. No hidden roll-overs that quietly drift you off-plan.
  • Interactive real-time planner. Test target allowances and savings rates directly before setting them.
  • Zero guilt pushes. Budgets are for your own awareness, never for unsolicited notifications.
Transactions

Every transaction, where you can find it.

Search descriptions, payees and notes, narrow to income, expenses or transfers, and test real-time filtering directly in this preview.

Paycheck · Acme Co.+ $ 3,420.00
Salary·Chase Checking
Today
Trader Joe's− $ 64.30
Groceries·Amex Gold
Yesterday
Lyft− $ 18.42
Transport·Chase Checking
Yesterday
VTSAX rebalance$ 500.00
Investment·Fidelity
May 22
Netflix− $ 15.99
Subscription·Amex Gold
May 21
Freelance · Lumi project+ $ 1,200.00
Salary·Chase Checking
May 20
Whole Foods− $ 89.10
Groceries·Amex Gold
May 19
Showing 7 of 7 transactionsFilter preview active
Clear Comparison

Why choose intentional finance?

How YFINIQ compares to automated bank-linking tools and traditional spreadsheets.

CapabilityYFINIQBank-Linked AppsSpreadsheets
Bank passwords requestedNever requestedRequired by aggregatorsNever requested
Broken sync maintenanceZero (no scrapers)Frequent re-authenticationZero
Conversational AI assistantFull ledger queryingBasic categorization onlyNone (manual formulas)
Sponsored credit card offersZero ads or kickbacksStandard business modelNone
Full data export & deletionInstant 14-table exportOften partial or gatedNative file copy
Security

What we can actually tell you.

No certifications we don't hold and no integrations we haven't built — just how your data is handled today.

  • Your rows are yours

    Every query is scoped to your account by Postgres row-level security, tested against a real database on every commit.

    PostgreSQL RLS · Tested Every CI Run

  • No ads. No data sales.

    No advertising, and nothing that profiles your behaviour. The only third-party code is error diagnostics and anonymous page-performance metrics.

    Zero Tracking Cookies · Strict CSP

  • Take your data, or delete it

    Export everything you have entered, or delete your account outright. Deletion removes the rows, it does not hide them.

    Complete Data Portability · JSON Export

  • The assistant uses AI providers

    Ask the assistant something and the relevant parts of your data are sent to an external model provider to answer it. They are named in our Privacy Policy.

    Isolated Prompt Context · Session Scoped
Verified Isolation Architecture
Every query is hardware and row-isolated via cryptographic JWT session tokens
CI Tested on Every Commit
1Client Request (JWT)

Every browser request carries an ephemeral, signed auth session token in an HTTP-only cookie. No credentials stored locally.

2PostgreSQL Row-Level Security

Enforced at the database kernel: tenant rows are physically inaccessible to other users even in event of application bug.

3Encrypted Storage & Export

At-rest encryption, zero analytics tracking, one-click full raw JSON dump, and permanent PostgreSQL cascade erasure.

The Philosophy

Intentional finance over fragile automation.

We built YFINIQ because automated apps spend more time troubleshooting broken bank connections than helping you gain clarity over your net worth.

Zero Broken Connections

Bank aggregators frequently fail, disconnect without warning, or mislabel transactions. A manual ledger never stops syncing because it never depends on an unstable third-party scraper.

Intentional Awareness

Logging transactions consciously creates the friction needed to understand real spending habits. Passive automation hides where money goes until it has already been spent.

Zero Credential Custody

Your banking passwords and logins never touch our infrastructure or any third-party data broker. There is nothing to leak or breach because nothing is ever requested.

How YFINIQ is funded

YFINIQ is currently free while in early access. We intend to offer a paid subscription in the future for advanced AI capabilities. We do not, and will never, sell your financial data or show you credit card advertisements.

Read our security architecture
Product Principles

Built for clarity, not monetization.

Here is what we commit to every person who uses YFINIQ.

Export & Deletion

Complete data sovereignty

You enter your own records, and you retain total ownership. Export your entire history across all 14 tables as a standard JSON document, or delete your account with permanent database cascade erasure.

No Affiliate Kickbacks

Zero algorithmic upsells

We do not partner with banks to push high-fee credit cards, personal loans, or affiliate products. YFINIQ is built to give you calm clarity over your money, not to monetize your attention.

Zero Guilt Pushes

Calm, honest design

Quiet green when on track, honest red when over budget. No gamified streaks, manufactured urgency, or guilt notifications designed to trigger financial anxiety.

FAQ

Questions, answered plainly.

Everything you need to know about our local-first manual ledger, privacy architecture, and zero-tracking model.

No. YFINIQ has no bank integration — you add accounts and transactions yourself. Nothing ever asks for your banking credentials, because there is nothing to connect.
It is an app you can talk to about your own money. Rather than hunting through screens, you ask a question in plain language — “what did I spend on groceries in July?” — and YFINIQ reads your ledger and answers, or records the transaction, budget or goal for you. It only ever sees the data in your own account.
Enter accounts and transactions directly, or ask the assistant in plain language and it will record them for you. Automatic bank import is not available.
To answer a question it sends the relevant parts of your financial data to an external AI provider. If one provider is unavailable the request fails over, so a single question may reach more than one of them. Every provider we use is named in our Privacy Policy.
No. YFINIQ runs no advertising and no behavioural tracking. Two narrow third-party tools run in the browser: error diagnostics, which sees a report only when something breaks — request contents, your email and your IP are stripped before it is sent — and anonymous page-performance metrics, which use no cookie and no persistent identifier. Neither is used to sell or profile you.
Yes. Holdings you enter roll up into your net-worth number, with cost basis and unrealised gains. YFINIQ never places trades.
Yes. You can export your entire financial history across all 14 account tables as a single JSON file at any time, or permanently delete your account and all associated records with immediate PostgreSQL cascade erasure.

Start tracking. Stop worrying.

Free while YFINIQ is in early access. No bank credential scraping, no ads, and no tracking cookies.

Free during Early AccessFull Data Export AnytimeNo Card Required