F.01 · AI NATIVE
Talk to your money in plain English.
Connect Claude, Cursor, or any MCP client. Ask questions, get charts and structured answers — no custom exports, no BI tool needed.
90
MCP tools
Encrypted, private, and yours. Import your bank data, connect Claude or Cursor, and ask questions about your finances in plain English.
Free hosted cloud, or self-host with Docker — same features either way.
A complete toolkit — budgets, portfolios, goals, loans, and AI-powered queries. No dashboards required unless you want them.
Connect Claude, Cursor, or any MCP client. Ask questions, get charts and structured answers — no custom exports, no BI tool needed.
CSV, Excel, OFX, QFX, and PDF. Finlynq remembers every column mapping as a template — the next import is a single click.
Month-by-month envelopes with rollover. Know exactly what's left in Groceries, Dining, or Travel — before you swipe.
Live prices, XIRR, and benchmarks against SPX, QQQ, VTI. 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 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). Your DEK lives only 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 CSV or OFX from any bank. Finlynq remembers your columns so every future import 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 90 financial tools 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 designed the system so we cannot read it — not a marketing claim, a math one.
The same standard used by banks and governments. All data encrypted before it touches any 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 they're required for database operations (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.
Finlynq is open-source under AGPL v3. Self-hosted or cloud, you get the same app. If it's useful, consider sponsoring development.