About the Application
Simple, Manual Finance Tracking, Built for Real Life
Living in Germany for the past few years, my financial setup became increasingly complex. I manage multiple bank accounts for myself, my wife, and my child, hold money in different currencies, send remittances, and move funds across savings, investment wallets, and internal “jars.” Some accounts are in Germany, others in Pakistan, and many transactions are simply internal transfers that only make sense to me.
I tried existing finance apps, but none of them truly fit how I manage my money. Most tools:
- Assume a single-country setup
- Rely heavily on automated bank connections
- Force their own categorization logic
In my case, that automation often created more confusion than clarity.
As a result, I ended up using Excel. For more than two years, I manually tracked everything in spreadsheets. While this gave me full control, it was also time-consuming and messy. Every few days, I had to review bank statements, separate real expenses from internal transfers, and manually categorize transactions.
At the same time, I kept thinking how powerful it would be to simply ask my financial data questions in plain language, instead of filtering rows and columns.
That combination of complex real-world finances, manual control, and the desire to talk to my data is what led me to build KeyFinz.
Why I Built KeyFinz
KeyFinz started as a personal tool to replicate and improve everything I was doing in Excel.
I needed:
- Full control over accounts, transfers, and categories
- True multi-currency support, without hacks or assumptions
- A system that understands that many transactions are internal movements, not expenses
- A way to interact with my finances conversationally using AI
Instead of forcing automation, KeyFinz is manual by design.
- You decide what matters
- You decide how money flows
- The application adapts to your mental model, not the other way around
Once the core was solid, I integrated an AI assistant. Now, instead of digging through dashboards, I can simply ask:
- How much did I spend on groceries in the last three months?
- What were my biggest expenses this year?
- How much money moved between my accounts last month?
What used to require manual spreadsheet work is now a simple conversation.
What You Can Do with KeyFinz
- Track on Your Terms: Log income, expenses, and transfers manually. Keep full control over categorization.
- Chat with Your Data: Ask questions in natural language and get instant insights.
- Manage Debts: Track money lent, borrowed, or moved without losing context.
- Multi-Currency Support: Seamlessly manage accounts in different currencies.
- Custom Dashboards: Views that match how you think about your money.
Manual by Design, Smarter with AI
KeyFinz intentionally avoids automatic bank connections, at least for now.
In complex financial setups like mine, automated imports often produce noise, such as internal transfers, remittance intermediaries, and misclassified transactions.
Manual entry, or selective imports, keeps awareness high and data clean.
That extra effort is not a drawback, but a feature.
- Manual tracking increases financial awareness
- It improves spending habits
- It gives a clearer picture of cash flow
AI enhances this process by removing friction where it matters most: analysis, insight, and understanding.
In the future, KeyFinz may include statement imports, AI-assisted categorization, reminders, goals, and budgets. All future features will be designed to preserve user control.
Coming Soon: Free Public Beta
KeyFinz is currently in its final preparation phase. When it launches, it will be available as a free public beta.
My goal is to build the best manual-first finance tracker for people who want clarity, control, and intelligent insights into their money, without giving up how they choose to manage it.
If this resonates with you, stay tuned.