Finjective

Finance tools made for everyone. Finjective is a calm, private way to see and plan your money. No bank connections - just clarity that stays yours. PRIVATE BY DESIGN Most budgeting apps ask for your bank credentials and quietly trade on your data. Finjective doesn't. There's nothing to leak, because there's nothing to take. You add what matters — quickly, on your terms — and your financial life stays yours. FOUR WAYS TO SEE CLEARLY Budget: Give every dollar a job before the month begins. Watch your spending against last month's pace and always know what's safe to spend. Cash Flow: Watch what's coming in and going out over time, so a tight week never surprises you. Net Worth: Bring accounts, assets, and balances into one honest number and watch it grow. Learn: Eleven finance calculators and an AI assistant, so you can run the numbers yourself instead of guessing. MEET FINNY, YOUR AI ASSISTANT Finny can see your budget, spending, and net worth — ask it anything. Am I on track to retire? Pay off debt or invest? How much should I save? Get thoughtful answers grounded in your actual numbers, not generic advice. ELEVEN FINANCE CALCULATORS BUILT IN The tools a finance pro reaches for, redesigned for your thumb: Time Value of Money, Retirement Planning, Loan Payment, Bond Valuation, Stock Valuation, CAPM, WACC, Effective Annual Rate, Growth & CAGR, Risk & Return, and an everyday calculator. Tap any variable to solve for it. Find out what a credit card at 24% APR actually costs once it compounds daily. Paste a column of returns and get beta, Sharpe, Treynor, and Jensen's alpha in one screen. See how much of a loan payment is interest instead of principal. Every calculator explains the math behind it, so you learn the reasoning, not just the answer. WHY PEOPLE CHOOSE FINJECTIVE No bank logins, no Plaid, no account scraping — ever Your data is never sold, shared, or mined for ads Fast, thoughtful manual entry that takes seconds, not spreadsheets Light and dark themes, designed for focus Built by people who believe privacy and clarity belong together Track. Plan. Grow. Download Finjective and keep your financial life your own.