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Fundstash
Android and iPhone expense tracker that turns bank SMS, receipts and quick voice notes into transactions using on-device AI, with no account or server.
fundstash.appActive
Privacy policy updated 2026-10-19; iPhone TestFlight and Android beta; Show HN 2026-10-17. (checked 2026-10-25)
In Budgeting apps
Where it stands apart
- How is it mainly sustained? individual side project, no revenue (19% of 21 others)
- How do transactions mainly get in? reading bank SMS or payment alerts on the phone (10% of 21 others)
- Does it have built-in AI features, and where does the AI run? yes, on your own device (15% of 20 others)
What it shares with most of the community
- Is it actively maintained? active (90% of 21 others)
- How is the main thing licensed? proprietary or closed source (71% of 21 others)
- Who is it for? non-developers (76% of 21 others)
- Can you point your own AI assistant at your data (MCP server, agent skill, or open API)? no (62% of 21 others)
Nearest neighbors
- Nexmy 88% of 17 shared answers match
- Maali 63% of 16 shared answers match
- Dibba 56% of 16 shared answers match
Every answer
| Question | Answer | Source |
|---|---|---|
| Is it actively maintained? | active Still in beta (TestFlight / Play beta). | source 2026-10-26 |
| How is the main thing licensed? | proprietary or closed source | source 2026-10-26 |
| How is it mainly sustained? | stands apart individual side project, no revenue Free, no ads; maker not named. | source 2026-10-26 |
| Can it run entirely on your own device or infrastructure, without the maker's servers? | yes No Fundstash server; exchange-rate refresh is the main network call. | source 2026-10-26 |
| Do you need an account to use it? | no account | source 2026-10-26 |
| Who is it for? | non-developers | source 2026-10-26 |
| Which shared standard or format does it mainly build on? | none of these (its own format or interface) Reads bank SMS on the phone. | source 2026-10-26 |
| How do transactions mainly get in? | stands apart reading bank SMS or payment alerts on the phone Android reads bank SMS; iPhone uses a Shortcuts automation. | source 2026-10-26 |
| Can it sync with your bank automatically, and does that cost more than the app itself? | no automatic bank sync | source 2026-10-26 |
| What is the main way it helps you budget? | category limits or monthly targets Category limits suggested from last month. | source 2026-10-26 |
| In the default setup, where is your financial data mainly stored? | on your own device only AES-256 SQLCipher database on the phone. | source 2026-10-26 |
| Does it have built-in AI features, and where does the AI run? | stands apart yes, on your own device Apple Intelligence, Gemini Nano, or a downloaded SmolLM2 / Qwen3 model. | source 2026-10-26 |
| Can you point your own AI assistant at your data (MCP server, agent skill, or open API)? | no | source 2026-10-26 |
| How do people pay for it? | free, no paid option 'Free for personal use.' | source 2026-10-26 |
| Where do you mainly use it? | phone app | source 2026-10-26 |
| Can two or more people (a couple or household) work on the same finances in it? | no Bill splitting by link, but no shared ledger. | source 2026-10-26 |
| Is privacy the headline of how it presents itself? | yes, privacy is the headline 'No account, no servers.' | source 2026-10-26 |
Sources
This page was derived from:
- Web page · fundstash.app · read 2026-10-25
- Web page · fundstash.app/ · collected 2026-10-26
- Web page · fundstash.app/privacy/ · collected 2026-10-26
- Web page · fundstash.app/support/ · collected 2026-10-26
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