🔒 Secure & Private Household Finance
Stop micro-managing every receipt. Take control by pay period.
Traditional budgeting apps demand hours of daily transaction auditing and link to your bank accounts. Actfi gives you a proactive pay-period framework and robust retirement simulation without the headache or recurring subscription bloat.
Why Actfi is Different
Traditional Apps (YNAB / Monarch)
- ❌ Hours spent categorizing daily individual transactions
- ❌ Required bank syncing & third-party data scraping
- ❌ Subscriptions scaling up to $100+/year
- ❌ Cloud servers storing your raw financial credentials
The Actfi Approach
- ✅ Pay-Period Focus: Align paychecks with bills once; no daily receipt auditing.
- ✅ 100% Private: Local-first storage with optional zero-knowledge client encryption.
- ✅ Built for Retirement: Multi-account compounding & sequential drawdown modeling.
- ✅ Fair Pricing: A fraction of the cost at just $39.99/year.
Pay-Period Windows
Synchronize joint incomes with recurring bills so every dollar has a precise job.
Retirement Roadmap
Simulate monthly compounding, inflation, and sequential account drawdowns in retirement.
Client-Side Encryption
AES-GCM encryption ensures your financial records remain private and secure.