Commerce · alternatives · 2026
24 alternatives to Arthiq
Offline-first personal finance with complete privacy
Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes.
- 1
Ray▲298I've been using this daily for 4 months and figured others might find it useful. This is my first open source project so would love any feedback. Ray connects to your bank via Plaid, stores everything in an encrypted local SQLite database, and lets you ask questions about your finances in natural language. No cloud, no account, your data is stored on your machine. Before anything reaches the LLM, all PII is stripped — your name, companies, transaction details are redacted and replaced with tokens, then rehydrated locally in the response. The AI never sees who you are.
Apr 2026 · rayfinance.app · its alternatives →
- 2
- 3
TopHat Finance - an in-browser personal finances app
2022 · athenodoros.github.io · its alternatives →
- 4
- 5
ArthiQ▲9AI-powered stock research and market insights
Jun 2026 · arthi-q.vercel.app · its alternatives →
- 6
- 7
Hi HN, I built Whisper Money because I was frustrated that every personal finance app wanted full access to my bank credentials, fed my transactions into AI systems, or sold my spending data to third parties. Whisper Money takes a different approach: - *No bank credential sharing* - Import your transactions via CSV/XLS exports from your bank. No Plaid, no OAuth to your bank, no third-party integrations that can get breached. - *No AI snooping* - Your transactions are never fed into AI systems you don't control. - *No third-party data sharing* - Your financial data is never shared with…
Nov 2025 · whisper.money · its alternatives →
- 8
We built a local-first, private, multi-currency, double-entry based personal finance app. It will help you track, visualize, and plan your financial journey. Use the `Try demo` button, to try it without an account. Small screens (mobiles) are not supported yet. By local-first we mean, your data is on your system (we use sqlite over opfs, in browser). For synching across devices, the data is encrypted with your key before it leaves your device. You can backup the data locally (if you are using chrome) and/or to your dropbox. It's designed so that we (the people building it) can't access…
Nov 2025 · finbodhi.com · its alternatives →
- 9
A complete personal-finance app with an AI analyst, and everything runs on your own computer. It works with the Wi-Fi off, because your data never needs to leave.
2d ago · maali.app · its alternatives →
- 10
A simple finance app for tracking your income and expenses
2025 · its alternatives →
- 11
SpendKeep▲27The Privacy-First Expense Tracker. No Bank Login Required.
Jul 2026 · spendkeep.com · its alternatives →
- 12
Track expenses offline with complete privacy
Feb 2026 · play.google.com · its alternatives →
- 13
The world's most private AI-powered budgeting app
Jun 2026 · play.google.com · its alternatives →
- 14
- 15
- 16
Private finance tracker with on-device AI
May 2026 · its alternatives →
- 17
Nestly▲3Offline budget & expense tracker. No account needed.
Apr 2026 · manuelgonzga.github.io · its alternatives →
- 18
Invoices, expenses & inventory — no login, works offline
Jan 2026 · lotuswebsolutions.co.in · its alternatives →
- 19
Free, Privacy-First Financial Planner for India
May 2026 · arthastambh.com · its alternatives →
- 20
The world's most private AI-powered budgeting app
Jun 2026 · play.google.com · its alternatives →
- 21
Your private AI copilot for smarter money decisions
Sep 2026 · moneypilot.e-nukta.com · its alternatives →
- 22
- 23
Private AI Expense Tracker for Freelancers — Works Offline
Feb 2026 · tryexpensenest.app · its alternatives →
- 24
FinArt▲3Reads notifications, tracks expenses, never sells your data.
Apr 2026 · apps.apple.com · its alternatives →
Also compare
Ranked by how close each launch is in meaning, then by votes. Prices were read from each product’s own site when checked and can change. Refine with your own description →