Finqivo
In development · iPhone

Your money, on your phone only.

Finqivo is a personal finance vault for iPhone. It works without an account, without connecting a bank and without sending your numbers to anyone.

Local-first No account Multi-currency Native iOS

The app is still being built. This page is here so the door has a name on it — there is nothing to sign up for yet.

What it does

A ledger that is precise, calm and yours.

Everything below runs on the device. No sync is required for the vault to work.

Stays on your iPhone

Reading, writing, searching and unlocking the vault never touch the network. No account to create, no server holding your balances.

Accounts, cards and transfers

Cash, bank accounts and credit cards, with income, expenses and transfers — each one categorised, with a payee, a note and a pending or settled state.

Credit cards done properly

Limit, closing and due dates, the account that pays the bill and an optional funding account that suggests — never performs — the transfer that covers a shortfall.

Multi-currency from day one

Every entry keeps its original amount, its currency and the rate used at the time. Rates are never rewritten behind your back — updating them is your call.

Budgets and cash flow

A monthly budget per category with planned against actual, balances per account, recurring entries and a search that actually finds the entry you mean.

Yours to lock, export and restore

Automatic lock, privacy screen, hidden amounts, encrypted backup and export you control, plus a check that tells you whether your recovery would actually work.

What it will never do

Privacy is the default, not a badge.

The things a finance app usually asks for are the things Finqivo is built to avoid.

No account, no loginYou open the app and it works.
No bank connectionNo aggregator ever holds your credentials.
No ads, no trackingNo analytics SDK, no profiling, nothing to sell.
No paywalled vaultA subscription can never block reading, exporting or restoring your data.
Languages

Speaks your language.

This page already detects yours. The app ships in English and Brazilian Portuguese, with more on the way.

English Português (BR) Español · soon Français · soon Deutsch · soon
Where it stands

Being built in the open order.

Now

The local vault: accounts, cards, entries, budgets, capture and recovery.

Next

Encrypted backup you hold, richer import and the first TestFlight build.

Later

Optional encrypted sync and a temporary web companion — both opt-in.