Encrypted, private, and yours. Import your bank data, connect Claude or Cursor, and ask about your finances in plain English.
Use our free hosted cloud, or self-host with Docker. Same features either way.
The whole toolkit: budgets, portfolios, goals, loans, and AI-powered queries. No dashboards to babysit unless you actually want them.
Connect Claude, Cursor, or any MCP client. Or just use the in-app AI chat, no setup at all. That's 109 HTTP / 93 stdio tools. Ask a question, get charts and real answers back. No custom exports, no BI tool.
CSV, Excel, OFX, QFX, PDF. Finlynq remembers how you mapped the columns and saves it as a template, so the next import is one click.
Month-by-month envelopes that roll over. Know exactly what's left in Groceries, Dining, or Travel before you swipe.
Live prices, XIRR, benchmarks vs SPX/QQQ/VTI, lot-tracked cost basis with FX-aware realized gains, and RRSP/TFSA/RESP contribution-room tracking. Built for people who actually track their money, not just watch it.
Monte Carlo simulations, savings-rate scenarios, and a realistic FIRE target. See when you can stop, and what would actually move the date.
Run it on your Mac, your homelab, or our cloud. Same features either way. Per-user envelope encryption (AES-256-GCM, scrypt-derived key), and your DEK only lives in memory while you're signed in.
From zero to “how much did I spend on dining in Q3?” in under five minutes. No configuration, no integration headaches.
Upload a CSV or OFX from any bank. Finlynq remembers your columns, so every import after the first is one click.
Add Finlynq as an MCP server in Claude Desktop, Cursor, or any compatible client. Takes under 60 seconds.
"Am I on track with my budget?" "What's my net worth?" "Any unusual charges?" Just ask.
A built-in MCP server exposes 109 HTTP financial tools (93 over stdio) to any compatible client over OAuth 2.1 + DCR. No custom code, no brittle exports, no exporting to a spreadsheet then copying into a prompt.
Your financial data* is encrypted with your password before it ever touches a server. We built it so we can't read it. That's not a marketing claim, it's a math one.
The same standard banks and governments use. Everything is encrypted before it touches storage, in transit and at rest.
Your encryption key is derived from your password via memory-hard scrypt (PBKDF2 also wraps optional backup-export passphrases). Finlynq never sees your passphrase or your plaintext data*.
We cannot see your transactions, balances, or accounts.* It is mathematically impossible to read your data without your password.
Don't trust the cloud? Run the entire app on your own hardware. Full feature parity, no license fees, no data ever leaves.
* Numeric amounts, dates, and unique IDs are stored unencrypted because the database needs them to work (totals, sorting, joins, indexes). Everything else (merchant names, account names, payees, notes, tags, and categories) is encrypted with a key derived only from your password. Read the plain-English writeup or the full encryption design.
What's live, what we're building, and what's coming. This is a direction, not a promise. Finlynq is open source, after all.
Encrypted finances, a built-in MCP server for any AI, native iOS and Android apps, multi-currency portfolios, budgets, and imports.
Automatic bank and brokerage connections, and an in-app AI assistant.
Receipt OCR, smarter categorization, deeper budgeting and investing, debt payoff, retirement planning, tax tools, and custom dashboards.
Full retirement planning, notifications, freelancer tools, and household sharing.
Finlynq is open-source under AGPL v3. Self-hosted or cloud, you get the same app. If it's useful, consider sponsoring development.