Your money.
Know where it goes.

The Basic plan is: no trial period, no card, and it covers everything you need to track your money. Standard adds households, bank statement import and currency conversion. It will be a one-time purchase, not a subscription, with the price announced before anything is sold; for now, an account is made Standard for free on request.

Because the app doesn't need one. An email address would tie your financial records to your identity and would be one more thing to leak. Your account is a random username, a password that never leaves your device, and a recovery phrase.

You enter your username and the 24-word recovery phrase shown when you signed up, and set a new password. There is no reset by email because there is no email. If both the password and the phrase are lost, nobody, including us, can get the account back.

In transit, always (HTTPS). On your device, the local cache is encrypted with a key tied to your session, so a device that has been logged out cannot read it. On our server, your records are stored in a database under your anonymous username; they are not end-to-end encrypted, because the server converts currencies and updates prices for you, so your device never has to communicate with any third-party service. Your data is always yours to download or permanently delete, and we never sell it or run analytics on it.

No, and it won't. You enter transactions yourself, import a statement file you downloaded from your bank (Standard accounts), or import a backup file. Nothing talks to your bank, your card provider or your broker.

Yes, with households. Create one and invite others with a one-time code. Everyone keeps their own account and password, and can switch between their personal data and the household's. Creating and joining a household needs a Standard account.

The 30 currencies with European Central Bank reference rates, including EUR, USD, GBP, CHF, PLN, CZK, SEK and NOK. You pick one for the account and can switch later, keeping the numbers as they are or, with a Standard account, converting existing amounts with the rate of their own date.

From Yahoo Finance, fetched when you tap Update prices, or Fetch price in a stock or crypto form, with exchange rates from the European Central Bank via the Frankfurter API. Our server makes those requests, so your browser never contacts either service.

Yes. Settings has a one-click export of everything in your account, or in the household you have open, as a single JSON file, which you can import again into any Wherepare account or household. Transactions, stocks and cryptos can also be exported as CSV.

Yes, from the account settings, with your password and username. The account, all its data and all its sessions are deleted from the database immediately, not flagged for later. A household you own has to be handed over to another member or deleted first.

The web app installs on iOS and Android from the browser and behaves like a native app. A native, offline-first app is planned and would use the same account.