Personal finance app
The personal finance app that brings your whole financial life together
Budgeting, net worth, investments and retirement planning, across every account, bank and currency, in one private, ad-free app.
Everything in one app
Most people run their money across half a dozen disconnected tools: a budgeting app, a spreadsheet for net worth, a broker app, a retirement calculator. Endute puts all of it in one place, so you can finally see and manage your whole financial life from a single view.
See everything
Your accounts, investments, property and debts sit together in one view, across every bank and currency, so nothing is hidden in a forgotten app or an old account.
Budget and track spending
Transactions import automatically through open banking, sorted into categories, with refund-aware budgets that count what you actually spent rather than overstating it.
Net worth and investments
Your net worth updates daily, and your portfolio is valued with real time-weighted and money-weighted returns, including stocks, funds, bonds and crypto.
Plan your future
Cash-flow forecasting shows what is coming, and full FIRE planning models whether you are on track for financial independence, with Monte Carlo simulation and historical backtesting.
In every currency
Hold accounts in any of 150+ currencies, converted to one base currency with daily exchange rates, so an expat or a cross-border earner gets one honest set of numbers.
Private by design
No ads and no selling your data. Endute is a paid product, so you are the customer, not the product, and your information stays yours, on EU-hosted servers.
One app instead of five
Each of these would normally be a separate tool. In Endute they are one connected system, so your budget, your net worth, your investments and your retirement plan all draw on the same up-to-date picture.
Track
Net worth across every account and currency, with a trend you can watch move, plus tangible assets like property valued against the loans secured on them.
Budget
Refund-aware category budgets, automatic transaction import, and spending reports by category, by payee and as a Cash Flow Sankey.
Invest
Portfolio tracking with real returns, not just a price ticker: 250,000+ securities priced daily, dividends, benchmarks, multiple currencies, and crypto alongside traditional holdings.
Plan
Cash-flow forecasting and savings goals, so you can see the months ahead and steer towards them rather than finding out after the fact.
Retire
Full FIRE planning with month-by-month projections, Monte Carlo probability, historical backtesting and a what-if explorer, so retirement is a plan rather than a guess.
Understand
Automatic insights flag what needs attention, an over-budget category, a slipping savings rate, an unusual transaction, and more than 14 reports explain where your money actually goes.
Everything in one app, instead of five
| Feature | Endute | A single-purpose app |
|---|---|---|
| Budgeting and spending | Yes | Partial |
| Net worth across all accounts | Yes | No |
| Investment portfolio with real returns | Yes | No |
| FIRE and retirement planning | Yes | No |
| 150+ currencies, daily FX | Yes | No |
| Private: no ads, no data selling | Yes | Partial |
Personal finance app FAQs
- What is a personal finance app?
- A personal finance app brings your accounts, spending, net worth and investments into one place, so you can see and manage your whole financial life rather than checking a different app for each part of it.
- Is Endute free?
- Endute has a 37-day free trial with no card required. After that it is a paid, ad-free product, which means you are the customer rather than the product, and your data is never sold.
- What can it do?
- Budgeting and spending tracking, net-worth tracking, investment and portfolio tracking, cash-flow forecasting and full FIRE retirement planning, all across 150+ currencies in one place.
- Is my data safe?
- Your data is held on EU-hosted servers, encrypted, with no ads and no data selling. Bank connections use regulated open banking, so you never share your banking password with Endute.
- Does it work outside the US?
- Yes. Open banking connects your accounts across the EU, UK, US and Canada, with CSV import and manual accounts everywhere else, and everything is multi-currency, so it works wherever you live and bank.
- How is it different from Mint, Monarch or Quicken?
- It is genuinely all-in-one: budgeting and net worth and investments and FIRE planning in a single app, multi-currency by default, and privacy-first with no ads or data selling, rather than a single-purpose tool or a US-only app.
See your whole financial life in one app
Free for 37 days. No card required. Cancel anytime.