Monthly budget at a glance
See instantly how much is left after fixed costs, expenses and savings – calculated automatically for every month.
Free finance manager · end-to-end encrypted
The budget app only you can read
Rehluchs Finance helps you keep track of income and expenses, plan a realistic budget and reach your savings goals – alone or with your family. Free, without ads and encrypted so that not even the operator can see your numbers.
- 100% free & ad-free
- End-to-end encryption (AES-256)
- Hosted in Germany · GDPR
Everything a good budget app needs
From your first entry to a net worth forecast – clear on desktop, tablet and smartphone.
Track income & expenses
One-off and recurring entries in seconds – daily, weekly, monthly or e.g. every 3 weeks.
Categories & monthly limits
Rent, groceries, car … with icon, colour and optional limit. The chart shows where your money goes.
Savings goals with calculator
Set a monthly amount or a target date – the app calculates the other and tracks your progress.
Together with family & partner
Share an encrypted family vault with roles for admins, members and viewers.
Analytics & forecasts
History of the last 6–24 months, savings rate, largest expenses and a 12-month net worth forecast.
Optional bank import
Fetch transactions automatically via PSD2 and have them categorised – only if you want to.
Zero-knowledge privacy
End-to-end encrypted, no ads, no tracking, hosted in Germany.
Three steps to a clear overview
Create an account
Email and password – done. Your key is generated right in your browser.
Add income & expenses
Add salary, rent and insurance once as recurring – the rest happens automatically.
Track budget & savings goals
Dashboard, categories and forecasts always show where you stand.
Privacy that is more than a promise
Your financial data is encrypted before it leaves your device. The server only stores unreadable data – your password and key never reach it. Even if the database leaked, your numbers stay protected.
How the encryption works →Frequently asked questions
What is Rehluchs Finance?
Rehluchs Finance is a free personal finance manager and budget app in the browser. You track income and expenses, plan your monthly budget, follow savings goals and investments and see analytics and forecasts – optionally together with your family.
Is Rehluchs Finance really free?
Yes. There are no fees, no subscription and no ads. The app is funded through affiliate links: if you buy a product for a savings goal through a marked link, the operator earns a small commission. Your price does not change.
How secure is my financial data?
All financial data is encrypted directly in your browser with AES-256-GCM before it is sent to the server. The key is derived from your password (PBKDF2 with 600,000 iterations) and never leaves your device. The connection is additionally encrypted with HTTPS.
Can the operator see my data?
No. The server only stores encrypted data. Neither the operator nor anyone with database access can read amounts, descriptions, categories or savings goals. Only technical details such as your email address and sign-in times are visible.
Ready for a clearer view of your finances?
Create your free account in a minute – no subscription, no ads.
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