Klera

What it does

Klera is a personal finance app that works fully offline. No sign-up, no bank login, no server holding your ledger — everything sits in an AES-256 encrypted database on your phone. Ask Klera, the built-in assistant, answers money questions like "can I afford a 30,000 phone?" on-device. It's a deterministic engine, not a cloud LLM: figures are computed from your data, never predicted, and it works in airplane mode. Spending, budgets, goals, investments with XIRR, loans, money lent. Free.

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