Chequing. Cards.TFSA. RRSP. FHSA.Bills. Budgets.All sorted at home.
FinVault is a private money app for your household that runs on your own computer or home server. Bring in the statement files your bank already gives you, sort every line with one click, and see where the money went.
Self-hosted · No bank passwords · English and French
September 2026
$2,408.61
spent so far this month
IMPORTED29SEP 2026
To sortNew lines without a category
3
COSTCO WHOLESALE #542−$184.27
Sep 28 · Cash Back Visa
GroceriesShoppingOther…
PETRO-CANADA 0417−$61.30
Sep 26 · Cash Back Visa
FuelGroceriesOther…
E-TRANSFER FROM SAM+$212.40
Sep 25 · Everyday chequing
Settle upOther incomeOther…
Filed under Groceries. Costco will sort itself next time.
Where it went
Each pocket fills toward its monthly limit
Groceries$634.50of $900
Fuel$175.92of $260
Dining out$391.20of $350 · over
Subscriptions$32.98of $40
Registered room · 2026
$11,350
room left across your plans
TFSA$4,500 of $7,000
RRSP$6,150 of $12,000
FHSA$8,000 of $8,000
Copy your room from CRA My Account. FinVault counts the deposits.
Shared this month
$1,286.40
split with 3 people · 11 costs
SSamowes you $212.40
PPriyaowes you $96.15
JJordanyou owe $44.00
Your share is what counts in budgets and reports.
Ask your own data
Optional, and off until you turn it on
What did we spend on groceries this summer?
$1,903.20 from June to August, about 12% more than the spring. Most of the jump was in July.
Restaurants over $50 last month
4 transactions, $311.85 in total. Sushi Moto is the largest at $97.46.
Runs on the model you choose, including one on your own hardware. You see what would be sent first.
Illustration with made-up numbers
Works with the files Canadian banks already give you.
RBC
TD
BMO
Scotiabank
CIBC
National Bank
Desjardins
Tangerine
Simplii
EQ Bank
Wealthsimple
Neo Financial
Triangle
Rogers Bank
PC Financial
Amex Canada
Credit unions
QFXOFXQBOQIFCSVtext PDF
Where your data lives
FinVault never talks to your Canadian bank. You download a statement file, the way you already can, and bring it home. Nothing else crosses over.
Your bank
Online banking
You sign in on the bank's own website, as usual. Your password never leaves it.
you download
A statement file
QFX · OFX · CSV · text PDF
An ordinary export. No keys, no tokens, no standing connection.
you import
Your server
FinVault + your database
SQLite or Postgres on your computer, NAS or home server. Backups are encrypted.
No bank password or bank connection, ever. Outside Canada, optional bank sync stays off until an admin turns it on.
Calm screens for a monthly routine
Once a month: download, import, sort what's left in the tray. About two minutes per account.
finvault.home:8000
Real screens, filled with a made-up demo household.
Everything a household needs, in one place
Accounts, budgets, bills, shared costs, investments and tax time. Nothing leaves your server unless you turn it on.
Bring in and sort
Statement importbuilt in
QFX, OFX, QBO, QIF, CSV and text PDFs, with bank presets. Duplicates are skipped and any import can be undone.
Move from another appbuilt in
Bring your history from YNAB, Actual Budget, Mint or Monarch in one go, with accounts, categories and transfers mapped for you.
One-click sortingbuilt in
New lines wait in a tray with likely categories. Rules and remembered merchants sort the rest for you.
Tags and payeesbuilt in
Tag a trip or a renovation across categories, and tidy messy merchant names into one clean payee.
Transfers matchedbuilt in
Paying off a card or moving money to savings doesn't count as spending twice.
Plan ahead
Budgetsbuilt in
Monthly limits you can see filling up. Leftovers can roll into next month, envelope style.
Bills and remindersbuilt in
Recurring bills laid out by day, reminders before each one is due, and alerts for price changes or new subscriptions.
TFSA, RRSP and FHSAbuilt in
Track contributions against the room CRA gives you, so a busy year doesn't lead to an over-contribution.
Look back
Tax timebuilt in
Medical, child care, donations, moving and home-office spending, gathered in one place.
Investmentsprices optional
Holdings from Wealthsimple and Questrade exports, with gains, allocation and adjusted cost base.
CAD and USD, honestlybuilt in
Convert to your base currency, and see a warning when a rate is missing instead of a silent guess.
Ask your own dataoptional · off
Plain-language questions and category suggestions, using a model on your own hardware or your own OpenAI account. You see what would be sent first.
Your household
Splits and shared costsbuilt in
Split a transaction across categories or people, see who owes whom, and count only your share.
ReceiptsOCR optional
Attach photos and PDFs to transactions. Optional text reading runs on your own server.
Separate loginsbuilt in
Everyone in the household gets their own data and login, with two-factor sign-in, single sign-on and an audit log.
Your data, whenever you want itbuilt in
Download everything that's yours in one zip, receipts included. A forgotten password is fixed with a one-time reset link.
Also: savings goals, assets and net worth, a cash-flow forecast, a debt payoff planner, year in review, a watched import folder, encrypted backups and a phone app you can install.
Built around how Canadian households bank
Most money apps want your bank password. Canadian banks warn against sharing it, and many people don't trust it. FinVault takes the file your bank already offers instead.
Never connects to Canadian banksDirect sync is blocked for Canadian accounts by design. Import is the only way in.
English and FrenchThe whole app, including default categories, in Canadian French.
Registered plans and tax timeTFSA, RRSP and FHSA room, plus the spending your accountant asks about.
Canadian mortgagesThe debt planner uses semi-annual compounding, the way Canadian mortgages work.
Good to know
Do I need to give FinVault my bank password?
No. You download a statement file from your bank's website and import it. FinVault never asks for bank credentials, and it never connects to Canadian banks.
Where is my data stored?
In a database on the machine you run it on: a laptop, a NAS or a home server. There is no FinVault cloud.
Can my partner and I both use it?
Yes. Each person gets their own login and data, and you can share individual costs. One person is the admin who invites everyone else.
I'm coming from Mint, YNAB or another app. Can I bring my history?
Yes. Export from YNAB, Actual Budget, Mint or Monarch and use Move from another app. It maps accounts and categories, pairs transfers, keeps labels as tags, skips anything you've already imported, and can be undone.
Do I have to use AI?
No. AI features are off by default. If you want them, you can point FinVault at a model on your own hardware or connect your own OpenAI account.
Running in a few minutes
You need Docker. Three steps, then open it in your browser.
Get the code
git clone https://github.com/finvaultapp/finvault.git
cd finvault
Set it up
cp .env.example .env
# optional: edit .env
Start it
docker compose up -d --build
# open http://localhost:8000
The first account you create becomes the admin. Your data lives in the finvault-data Docker volume.
