Everything They Charge For. And Then Some.
Most finance apps give you a dashboard and a prayer. Nemorith gives you a vault, a stacking engine, a trust lifecycle manager, and the encryption to back it all up.
Financial Assistant. 100% Offline. No AI Required.
"How am I doing?" "Where can I cut spending?" "What should I pay off first?" "Am I on track for retirement?" "How is my credit health?"
18+ question types. Cross-references every financial layer. Spending trends. Payoff projections with interest cost. Budget vs actual alerts. Retirement gap analysis with savings scenarios. Emergency fund coverage against your real obligations. Credit utilization with threshold targets. Income stability analysis. Insurance gap detection. Goal progress with time projections.
All computed on your device. Zero internet. Zero API keys. Zero data sent anywhere. Deeper than most AI chatbots because it knows ALL your numbers, not just what you type.
Optionally bring your own AI key (Claude, GPT, or Gemini) for conversational depth. But the engine does the heavy lifting either way.
AES-256-GCM Encryption
Documents, credentials, backups, and device sync encrypted. PIN, biometric, and duress PIN with full panic wipe.
Personal. Household. Business.
Unlimited vaults on one device. Solo, Household, Trust, or Business - each with its own encrypted space, credentials, and members.
Five Financial Layers
Flow. Position. Debt. Wealth. Protection. A complete operating system for your financial life.
Trust Lifecycle
Full trust management from Revocable through Irrevocable, Succession, Legacy, and Continuance. Document vault. Conversion ceremony. Estate planning built in.
Bank Sync & Import
70+ bank profiles with guided export. OFX, QFX, CSV, MT940, and CAMT.053. SimpleFIN daily auto-sync. Credit report CSV import. Drag-and-drop import zone.
Your Device. Your Data.
No accounts. No servers. No analytics. Your financial data stored locally. Sync between your own devices with AES-256-GCM encrypted transport.
Market Data
Live portfolio pricing through the Nemorith API - no user keys needed. 1,013-ticker directory. Dividend tracking. Property valuation. Tax strategies from your real holdings.
Receipt Scanner
Snap a photo of any receipt. On-device OCR auto-detects amount, merchant, and date. One tap creates a transaction. No cloud processing.
Monte Carlo & Stress Testing
Run 1,000 retirement simulations with probability fan charts. Stress-test against the 2008 crash, dot-com bust, COVID, and more.
Tax Intelligence
Roth conversion optimizer. Social Security claiming strategies. Tax bracket visualizer. Tax-loss harvesting. All computed from your actual numbers.
What-If Sandbox
Change any variable - income, expenses, returns, inflation - and watch the ripple effect across your entire financial picture.
Credit Health
Credit utilization tracking with 30%/50% threshold targets. Import credit report CSV from Credit Karma or NerdWallet. Due dates, available credit, and utilization scoring per account.
Built-In Help Center
20+ searchable how-to articles covering every feature. Accessibility guides, keyboard navigation, getting started walkthroughs. All on-device, no network needed.
VCN Mesh Sync — World's First
The first financial platform built on a mesh networking protocol. Six transport tiers: Bluetooth, LAN, HTTPS relay, TCP P2P, QR, and Tor. Encrypted end-to-end. Pair with a 6-digit code. Home Hub turns an old phone into a 24/7 sync node. Learn more →
Verified Community Ratings
Powered by the Veydrin Rating Standard. Every rating is cryptographically signed (Ed25519), publicly auditable, and stored in a git repository. No store manipulation. No fake reviews.
Desktop & Web
Windows, Linux, macOS, and web browser. Same app, same data, same encryption. Sync between phone, tablet, and desktop seamlessly.
Free. Period.
No subscription tiers. No premium unlocks. No ads. No data harvesting. AGPL-3.0 licensed. This should exist for everyone.
Five Financial Layers
Not just categories. A complete operating system for your financial life, from daily cash flow through generational protection.
Flow
Income, expenses, budgets, recurring transactions, subscriptions, charitable giving, spending trends, money velocity analysis, bill calendar, and cash flow forecasting.
Position
Assets, liabilities, net worth tracking with historical charts, waterfall change decomposition, credit utilization monitoring, property management.
Debt
Avalanche, snowball, or fully custom stacking strategies. Payoff timelines, interest savings projections, debt freedom countdown, strategy comparison.
Wealth
Portfolio holdings with live pricing, allocation charts, drift-based rebalancer, FIRE tracker (four variants), Monte Carlo simulations, stress testing, What-If sandbox, Roth conversion optimizer, Social Security claiming strategies, tax bracket visualizer, dividend calendar.
Protection
Insurance inventory, coverage gap analysis, beneficiary audit across all accounts, estate planning with readiness scoring, premium comparison.
Built for Everyone. Not Retrofitted Later.
Accessibility is a first-class design constraint, not an afterthought checkbox. Every interaction, every screen, every control.
They Charge You Monthly.
We Charge You Nothing.
Your money. Your data. Your device. Take control of your entire financial picture without handing over a dime or a byte.