FundMind is an offline-first money app. Track spending, scan receipts on your device, see what is coming next month — and get one honest Financial Health Score. Your data never has to leave your phone.
FundMind runs on your device. Fast entry, honest numbers, no account required and no cloud sitting between you and your own finances.
Transactions, receipts, budgets and goals are stored locally. The app works with the network switched off, and there is no FundMind server holding your financial data.
No account neededA numeric keypad, categories and a date — one screen, no forms. Templates give you one-tap entries, and recurring transactions post themselves.
Templates & recurringOn-device OCR reads receipts, bills and invoices and pulls out the amount, date, merchant and tax ID. Nothing is uploaded. If you want AI extraction, you add your own API key.
Works offlineBuild your own categories with icons and colours. FundMind suggests a category for each merchant and remembers every correction, so the guesses keep getting better.
Learns correctionsSearch by text or by amount — type >500 or 100-300. Filter by date range and tags, sort however you like, then bulk-select to delete or recategorise. Duplicates are flagged for you.
Amount searchSet a budget per category and get warned before you blow through it. Savings goals show the monthly contribution needed and the date you will actually get there.
Alerts includedYou can be tracking real money within a minute of installing — no sign-up form, no bank credentials, no waiting for a sync.
No account, no email, no password. Pick your currency, language and theme and you are in.
Type it on the keypad, use a template, scan a receipt, import a CSV or MT940 statement — or connect a bank if you run the backend.
Categories are suggested per merchant and learn from your corrections, recurring costs post automatically, and duplicates are flagged.
One Health Score, a forecast of where the month ends, and a timeline of what is coming — each with a concrete thing to fix.
The Financial Health Score turns your own numbers into a single 0–100 result with an A–F grade — calculated on your device, tracked over time, and always paired with the next thing to fix.
FundMind does not just record the past. It projects where the month ends at your current pace, how long your cushion would last, and what is about to hit your account.
All of it is derived from the transactions already on your phone — no external service, no profiling, no data leaving the device.
Two honest routes into FundMind: a statement file that works with any bank in any country, or a read-only Open Banking connection you control. Either way, the transactions end up stored on your device.
If your bank lets you export a statement, FundMind can read it. No integration to wait for, no country restrictions, no credentials to hand over — just the file you already have access to.
Any bankConnect an account through a licensed provider. You log in only on your own bank's page, FundMind never sees your credentials, access is read-only, and the transactions are stored on your device.
Read-only accessImported entries go through the same pipeline as everything else: merchant-based category suggestions, duplicate detection against what you already recorded, tags and bulk edits.
No double entriesMulti-currency tracking with live exchange and crypto rates, plus a set of calculators built for real decisions — including tax tools written specifically for Polish rules.
FundMind is used worldwide, so currency handling is universal. The tax and payroll calculators below follow Polish law — they are precise because they are specific, not because they are generic.
Employment contract, civil-law contract, B2B flat-rate and B2B linear tax — in both directions, with the contributions broken out.
Instalment, total cost and the real APRC (RRSO), with a full amortisation schedule you can scroll through.
Follows Polish rules: crypto-to-crypto trades are tax-neutral, losses carry forward, 19% on the gain, and the result exports to CSV.
Hold and record in several currencies at once, with live FX and crypto prices pulled in when you are online.
No roadmap items dressed up as features. This is what ships today, grouped by what you would open it for.
Every module above is in the app today. Nothing here is locked behind a waiting list.
FundMind is built so that there is very little to protect you from in the first place: no advertising, no data brokers, no analytics profile of your spending. GDPR-compliant, and you can export everything at any moment.
Your financial records live in storage on your device. There is no FundMind cloud holding your transactions, and the app is fully usable with no connection at all.
Require a fingerprint, face or PIN before the app opens, so an unlocked phone does not mean an open ledger.
Export everything to a single JSON file that you own and store wherever you like, then restore it on any device. No lock-in, no hostage data.
A built-in screen tells you exactly which features are active on your device, so you can verify what is running instead of taking our word for it.
No invented reviews and no star ratings we cannot back up — just the concrete differences an offline-first money app makes.
There is no sign-up, no cloud account and no waiting for a sync. You install the app and your data is already there, because it never went anywhere else.
Receipts are read on the phone itself, so scanning works on a plane, in a basement shop, or with mobile data switched off — and the photo is not sent to anyone.
One score instead of twenty charts. You see whether this month was better or worse than the last one, and which single pillar to fix first.
Bills, subscription renewals and product warranties sit in one timeline, so nothing renews behind your back and no warranty quietly expires.
Searching by amount — typing >500 or 100-300 — finds the transaction you half-remember far faster than scrolling a year of history.
Nine interface languages, multiple currencies and ten themes: the app adapts to where you live rather than assuming one market.
FundMind is used far beyond the country it was built in. The interface, the number formats and the currencies follow you — and so does the way the app looks.
Each theme sets its own palette and its own card geometry — corners, borders and density — so switching one genuinely changes how the app feels. Pick a custom accent colour on top, and choose light, dark or automatic.
Tax and payroll calculators follow Polish rules and are labelled as such. Everything else — tracking, scanning, budgets, the Health Score — works the same anywhere.
The questions people actually ask before installing a money app.
Have a question, feedback, or want to partner with us? We'd love to hear from you.
Whether you have a feature request, partnership proposal, or just want to say hello — our team replies within 24 hours.
Partnerships & enterprise
EU-based, GDPR compliant
Bug reports are especially welcome — the diagnostics screen in the app tells you which features are active on your device, and that information helps us a lot.
Offline-first tracking, on-device receipt scanning, a real Health Score and honest forecasts — with nothing to sign up for.
A FundMind account is only for product news and support. It is not required to use the app, and your financial data never leaves your device because of it.