Brainzie Money brings every account, card, investment and pension into one honest view — and watches your net worth grow over time. Your numbers stay in your cloud, never ours.
Bank, mortgage, investments, pensions, cards — combined into a single net-worth figure that updates as life does.
Every snapshot becomes a point on the curve. See your trend, your savings rate, and the months that moved the needle.
Set simple goals, track big purchases and trips, and see whether you're on course — calm, practical, no spreadsheets.
Drop in statements, let your AI assistant tidy them, and bring whole accounts in at once — reconciled, not retyped.
An honest, event-by-event history with unlimited undo. Made a mistake? Step back. Your past stays exactly as it was.
Bring a partner or family into one shared view — joint and personal accounts side by side. Tag who owns what, and what each thing really costs.
Sign in with Google or Microsoft. Your data lives in your Drive or OneDrive — the app just reads and writes it on your device.
List what you have — bank, savings, mortgage, investments, pensions, cards. A quick wizard, no bank logins or scraping.
Each month, update your balances. Brainzie Money draws the line, tracks your savings rate, and keeps the full history.
No all-or-nothing setup. One snapshot a month is enough to draw your net-worth line. Add more only where it earns its keep — the app never makes you log what you don't care about.
One monthly snapshot? Perfect — that's your trend. Add income for a sharper savings rate. Track big-ticket items when a purchase looms. Every layer is optional, and you add it when you see the point.
Memory smooths over the details; real numbers don't. Looking back across your own snapshots is genuinely eye-opening — where the money actually went, and just how far you've come.
Buying or leasing a car? Weighing a move or a big renovation? Back the call with your real figures — not a guess, and not someone else's averages. Your data, exactly when it matters most.
Add your car as a big-ticket item — purchase price, the date you bought it, any running costs. Brainzie Money works out the cost per day, total spent to date, and what selling it now would recover. Stack that against a lease quote and see which one actually wins — with your numbers, not a calculator built on someone else's assumptions.
Back every call with your real figures — not a guess, and not someone else's averages.
The most popular trackers are good apps. Brainzie Money is built around a different promise — your data stays yours — and that changes what it can do.
| Brainzie Money | Monarch Money | YNAB | Empower | |
|---|---|---|---|---|
| Your data lives in your own cloud | YesYour Drive / OneDrive — never ours | NoTheir servers | NoTheir servers | NoTheir servers |
| Use your own Azure or Amazon S3 storage | Yes | No | No | No |
| Works in any currency | YesReal exchange rate kept per figure | NoConverts everything to USD | WorkaroundUSD-only; separate budgets | USD-centric |
| Full history with unlimited undo | YesNothing is ever quietly lost | NoDeletions are permanent | No | No |
| Fair shared expenses for couples & family | YesSplits by income, fairly, across years | Per billSplits one bill at a time | Shared budget | No |
| Same on every device, nothing to install | YesOne web app — phone, tablet, computer | Separate apps | Separate apps | Separate apps |
| Automatic bank syncing | By choice, noYour logins never leave your bank | Yesvia Plaid & others | Yes | Yes |
| What it costs | £24 / yearIntro (was £30) · free tier to start | $99.99 / year | $109 / year | "Free"paid for with your data & sales calls |
Compared on publicly available information, June 2026. The other apps are good at what they do — their features change, so check their sites for the latest.
The big apps link straight into your bank to pull transactions automatically. We don't, deliberately: linking your bank hands your logins and data to a middleman. We'd rather your bank details never leave your bank. You bring statements in — your AI assistant can tidy them in seconds — and nothing about your accounts is ever exposed.
There's no separate Android or iPhone app to install, and that's deliberate. It's a single app that looks and works exactly the same on your phone, tablet and computer — always a tap away in your browser. It also means we pay no app-store fees to Apple or Google, so we can keep the price as low as it is.
Some "free" apps make their money from financial advice — which means someone at the company looking at your numbers. We never do that, because we never see your data. We literally can't: it lives in your cloud, not ours.
We're not here to lecture you on budgeting. We simply show you your whole financial picture, clearly, with the sharpest insights we can draw from it — so the budgeting decisions stay yours, made on your own real numbers.
Most money apps copy your bank data onto their servers — your finances become something to mine, and one breach can spill millions of people's numbers at once.
Brainzie Money keeps yours in your own Google Drive or OneDrive — never on a server we own. We can't read them, can't sell them, and can't lose them in a breach, because we simply never hold them. The app runs entirely on your device.
Start free. Upgrade only when you outgrow it. No ads, no data resale — that's the whole point.
We keep Brainzie Money this affordable on purpose — to make taking your money seriously something anyone can do, not a premium only a few can justify. The low price is the point, not a hint at what's inside.
Underneath it is a toolkit that more than holds its own against the biggest finance apps — and in places goes where they simply don't: your data living only in your own cloud (or even your own Azure or Amazon S3 storage), true multi-currency with the real exchange rate kept for every figure, a complete history with unlimited undo so nothing is ever quietly lost, and a shared-expenses engine that settles a household's costs fairly by income, across years — not just one bill at a time. Features you'd be hard pressed to find together in any personal finance app at any price.
Prices exclude VAT where applicable.
Open Brainzie Money, connect your own cloud, and take your first snapshot in minutes. Free to start — nothing to install, nothing to hack.
Open the app