Mobile App · Personal Finance
Fin — Personal Finance Management
Your money on your device. No subscription, no ads, no mandatory cloud.
Fin — Personal Finance Management
- Full transaction types
- Receipt scanning (OCR)
- Cards and statements
- Accounts and net worth
Executive summary
Fin is a personal finance app built by Vita Munhoz Tecnologia. The Android version is implemented and in validation, ahead of its public launch. It brings together the complete core of a finance manager — transactions, cards with statements assembled automatically, accounts, investments, savings goals, budgeting, a monthly dashboard and reminders — in a mobile experience designed for daily use. Two architectural decisions define the product. The first is being offline-first: everything works without an internet connection, and the cloud is a convenience, not a requirement. The second is treating privacy as a feature rather than a promise: the local database is encrypted, the key lives in the operating system's vault, receipt scanning happens on the device, and the AI assistant only ever receives an aggregated summary — never the raw transaction list. The commercial model planned for launch closes the argument: a one-time purchase on Google Play, with no ads, no subscription and no data selling.
Managing your own money is still too much work
- Spreadsheets demand manual discipline and fall apart in the first busy week.
- Free apps are funded by advertising — which puts them at odds with anyone trying to spend less.
- Many of the alternatives charge a recurring subscription for basic features.
- Apps that centralize financial data on their own servers widen the exposure of sensitive information.
- And without an internet connection, most of them simply stop working.
Who it's for
- People who want to see and control their own spending
- Anyone organizing a budget or working their way out of debt
- Anyone who will not accept a subscription or ads inside a finance app
- Anyone who puts privacy first and does not want financial data on third-party servers
Key features
What is already implemented in the version under validation.
Full transaction types
Expense, income, transfer between accounts and installment purchase — scheduled or settled.
Receipt scanning (OCR)
The camera reads the receipt and pre-fills the entry. The photo never leaves the device.
Cards and statements
The statement is assembled automatically per cycle, with used and available limit in real time.
Accounts and net worth
Checking, savings, cash and investment accounts, with consolidated net worth.
Budget by category
A monthly spending target that shows what is left — or by how much you went over.
Savings goals
Progress tracked by hand or mirrored from an account balance, with contributions and a target date.
Investments
Fixed income, stocks, funds, REITs, crypto and savings, with returns calculated for you.
Monthly dashboard
Income, expenses, what is left over and a donut chart by category, month by month.
Due-date reminders
Local notifications for scheduled bills and card statements, overdue ones first.
AI assistant
Ask in plain language. It answers from an aggregated summary — and it is the only feature that needs an internet connection.
Backup and import
Export and import a JSON backup; import transactions from a CSV file.
Manual sync
You decide when to sync. Until you do, your entries never leave the device.
Encrypted local database
The data is encrypted on the device, with the key held in the system vault.