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Commerce · August 19, 2026

Klera

Your private, offline personal finance app

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.

Does the same job

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  • 8udgetJan 2026 · ▲97

    Budget, invest & track finances - works offline

  • Tiny Bank2016 · ▲195

    A financial app for people with crazy money

  • Monetal2018 · ▲82

    Super simple expense tracker💰

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    A beautifully simple way to manage your money

  • MoneyTracker.cc2017 · ▲82

    Personal finances tracking web app

  • MonifiDec 2025 · ▲69

    Excel alternative for personal finance management

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