Accounts at different banks, investments, crypto, personal loans, shared expenses, family assets... Some things should only exist in your head. Or in a system where no one else can look.
No bank connections. No access to your transactions. No selling data to third parties. Your finances are encrypted on your device before they leave. Not even we can see what you store here.
Everything is encrypted on your device before it leaves. Neither in transit nor on our servers can anyone read your information.
You enter your financial data. Before sending it, it's encrypted right here with your personal key.
Salary: $3,500
Rent: -$1,200
Encrypted here
Data travels encrypted. Even if someone intercepts it, they'll only see unreadable characters.
aGVsbG8gd29ybGQ=
xK3pQ9mR2vL8nB==
Arrives encrypted
We store your data, but we can't read it. Only you have the key to decrypt it.
██████████████
██████████████
You enter your financial data. Before sending it, it's encrypted right here with your personal key.
Salary: $3,500
Rent: -$1,200
Encrypted here
Data travels encrypted. Even if someone intercepts it, they'll only see unreadable characters.
aGVsbG8gd29ybGQ=
xK3pQ9mR2vL8nB==
Arrives encrypted
We store your data, but we can't read it. Only you have the key to decrypt it.
██████████████
██████████████
Only you hold the key. Not our team, not our servers, no one can decrypt your data.
Lose your password, lose your data.
We cannot recover them. There is no back door. That is the guarantee.
Professional tools designed to put you in control of your personal economy.
Complete view of income, expenses, debts and savings at a glance. Real-time KPIs with visual distribution.
Complete table with all your monthly movements. Income, fixed and variable expenses, debts and subscriptions in a single view.
Upload and organize invoices, contracts and receipts. Secure storage and quick search.
Enable end-to-end encryption and not even we can read your financial data. Real zero-knowledge.
Track all your active subscriptions with automatic renewal, expiry alerts and accumulated monthly cost.
Set savings goals with deadlines, automatic contributions and visual progress tracking.
View all your payments, income and due dates on an interactive calendar with configurable alerts.
Configure the detail level of each notification: from a simple alert to the full amount. You decide.
Download all your data at any time. It's yours. Full compliance with European data protection regulations.
Comparison with the leading personal finance platforms on the market.
| Feature | FinanzLock | YNAB | Monarch | Fintonic |
|---|---|---|---|---|
| E2EE Encryption | ||||
| No bank connection | ||||
| Secure document management | ||||
| Notifications with privacy levels | ||||
| Full GDPR Export | ||||
| No mandatory bank connection | ||||
| Free | ||||
| Native bilingual ES/EN |
Comparison based on publicly available information as of February 2026.
FinanzLock is the only personal finance platform that offers real end-to-end encryption. When you enable this feature, your data is encrypted in your browser before being sent to the server. Not even we can read it.
Clear answers about how we protect your financial information.
It means your data is encrypted on your device before being sent to our servers. We use AES-256-GCM encryption, the same standard used by banks and governments. Neither our technical team, nor our servers, nor anyone can read your information. Only you, with your password, can decrypt it.
If you lose your password and have E2EE encryption enabled, we cannot recover your data. There is no back door, no recovery process. That is precisely the guarantee that no one else can access them. We recommend storing your password in a secure password manager.
No. Never. We don't ask for banking credentials or access your transactions. You manually enter the information you want to track. This means you can manage any type of finance without anyone else knowing what you're recording.
Yes. Bank accounts, investments, cryptocurrencies, personal loans, properties, cash, foreign accounts... You can track whatever you want. The platform is designed so you can organize all your finances in one place, with no limits or imposed categories.
No. Our business model is not based on selling data. Moreover, with E2EE encryption enabled, we don't even have access to your data to sell it even if we wanted to. Your information is yours and yours alone.
Yes. E2EE encryption is mandatory for all users. There is no option to disable it. All your financial data is encrypted on your device before being sent to the server. This guarantees that neither we nor anyone can access your information.
Yes. At any time you can download all your information in standard format. We comply with European GDPR data protection regulations. Your data is yours and you can take it with you whenever you want.
Yes. FinanzLock is completely free. No hidden premium plans, no locked features, no trial periods. All features are available from day one.