Dev tools · alternatives · 2026

24 alternatives to Cipher

Track your money privately, entirely on-device

Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes.

1. 1
   Aster Key▲175

   Anonymized personal financial statements

   2023 · asterkey.com · its alternatives →

2. 2
   HaHa Crypto▲163

   Track all your crypto and NFTs in one location

   2022 · haha.me · its alternatives →

3. 3
   Pocket▲202

   Manage all your finances in one place

   2024 · getpocket.money · its alternatives →

4. 4
   Stated▲78

   Privacy-first AI finance tracker

   Apr 2026 · statedmoney.com · its alternatives →

5. 5
   Empower for Crypto▲97

   Auto-sync and track all your crypto on mobile, for free!

   2018 · tilt.com · its alternatives →

6. 6
   Monse▲104

   Privacy-friendly personal finance application

   2023 · its alternatives →

7. 7
   Rich Finance Tracker▲103

   Automate your finance tracking in Notion

   2022 · inotion.gumroad.com · its alternatives →

8. 8
   Shillings▲84

   Your pocket income forecaster & tracker

   2023 · getshillings.com · its alternatives →

9. 9
   Whisper Money▲47

   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 →

10. 10
    Bittracker 2.0▲61

    Simply crypto tracker lets you compare value to luxury items

    2018 · its alternatives →

11. 11
    Money Hive — Personal Finance Tracker▲2

    Private finance tracker with on-device AI

    May 2026 · its alternatives →

12. 12
    FinArt▲3

    Reads notifications, tracks expenses, never sells your data.

    Apr 2026 · apps.apple.com · its alternatives →

13. 13
    PayCheck▲3

    Track your money. Your records stay on your phone.

    Aug 2026 · play.google.com · its alternatives →

14. 14
    MoneyPulse – Private Expense Tracker▲2

    Your money, tracked automatically. Stored privately.

    Feb 2026 · play.google.com · its alternatives →

15. 15
    FinMate▲11

    Your smart expense tracker

    2025 · its alternatives →

16. 16
    Spending Tracker: Wallety▲7

    Take Control of Your Money

    Jan 2026 · orbitapps.net · its alternatives →

17. 17
    My Wallet▲13

    Smart personal finance tracker for your daily life

    Oct 2025 · apps.apple.com · its alternatives →

18. 18
    CipherDrop▲18

    Share Secrets With Zero Trace. Zero Accounts. Zero Worry.

    2025 · cipherdrop.app · its alternatives →

19. 19
    FinTracX▲8

    Track income, expenses from bank SMS

    2025 · play.google.com · its alternatives →

20. 20
    Cipherly▲15

    Encrypt, disguise and hide messages — 100% offline

    Jul 2026 · github.com · its alternatives →

21. 21
    PaisaLens▲8

    100% private, on-device expense tracker for Android (India)

    Sep 2026 · paisalens.co.in · its alternatives →

22. 22
    Fainto: Private Budget Tracker▲5

    Private budget tracker. See where your money goes

    Jul 2026 · fainto.app · its alternatives →

23. 23
    Walletvy: AI Expense & Budget▲3

    On-device AI expense tracker with Tinder-like swipes.

    Mar 2026 · play.google.com · its alternatives →

24. 24
    Ledgerly — Take control of your money▲6

    Track Your Finances Without Giving Away Your Bank Data

    2025 · ledgerly.foodzen.org · its alternatives →

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 →