Your money. Your control.
Completely private.
More calm and clarity over your finances — for Sparkasse, DKB, N26 & all DACH banks. No AI training. No data selling. Ever.
What Monetary Mind can do
Bank Import FinTS + PSD2
Connect Sparkasse, DKB, N26 & all DACH banks directly. No US middleman, no Plaid.
Privacy-First Coach
Rule-based coach engine with no cloud dependency — your data never leaves Monetary Mind.
Cashflow Sankey
Your entire money flow at a glance — income, expenses and transfers visualized clearly.
DACH KPIs
Savings rate, Destatis inflation, net worth — the metrics that actually matter in the DACH region.
PWA + Desktop App
Installable on iOS, Android, and desktop. Works offline, your data stays local.
Privacy-First by Design
App-layer encryption, no tracking, no data selling. Privacy mode hides sensitive amounts.
What Monetary Mind is not
Not a financial product
No investment advice, no robo-advisor, no savings account.
No subscription trap
Self-hostable. No hidden fees. No lock-in strategy.
No AI surveillance
Your data never leaves Monetary Mind. The coach is rule-based — no cloud AI, no LLM.
No US vendor
No Plaid. Frankfurt hosting. DACH banks natively.