Fi.Art Financial Awareness & Retirement Technology

Your whole financial picture.
On your own device.

Fi.Art is a comprehensive personal finance application built for people who want full control over their financial data, without sacrificing power or privacy, and without handing their entire financial history to a cloud platform. From automated bank synchronisation and intelligent transaction categorisation to long-term FIRE projections and trip expense tracking, Fi.Art brings together every tool you need to understand, manage, and plan your financial independence, entirely on your own device.

Use Fi.Art in the way that suits you best: connect supported bank accounts, import statements manually, record cash expenses yourself or combine all three approaches. Every major module can be enabled, disabled and configured independently.

Open the live demo → Explore the features

The demo runs in your browser on fictional data. Nothing you do there leaves this page.

Fi.Art transaction list on a phone, with one transaction expanded — The transaction ledger on a phone, straight from the live demo.

Local-first, no cloud account

PSD2 open banking & CSV import

Trips with shared expense settlements

Charts, budgets & Sankey flows

FIRE projections from your own data

No cloud and no server needed

Transactions, your way

Bring transactions in however you like, then organise them exactly as your life actually works.

Bring transactions in your preferred way

Open bankingConnect eligible European bank accounts by bringing your own authentication key to enable PSD2 open banking.
CSV importImport transactions from a CSV statement exported from your own bank.
Manual entryCreate transactions yourself, including cash payments or transactions recorded only for travel.
Apple WalletIntegrate iPhone Wallet transactions directly into Fi.Art.
Balances includedImport account balances together with transaction history.

Bank connections are read-only account-information connections. Neither Fi.Art connections nor your open banking authentication has permission to initiate payments.

Faster, more consistent categorization

Fi.Art learns from your own categorization history. When a new transaction arrives from a familiar counterparty, the app proposes the categories you used before and can prefill the related information. Your most frequently used categories are always one tap away as quick suggestions.

During first setup, or right after connecting a new account, transactions can be grouped by counterparty so that many entries from the same vendor are assigned in a single operation. Bulk edits are available for selected transaction fields, turning a daunting backlog into a short one-time task.

Manual transactions, shortcuts and placeholders

Cash trackingRecord cash-paid transactions manually, so the money you spend outside your bank account is never invisible.
ShortcutsSave common transaction templates for recurring or frequently entered items and add them in seconds.
PlaceholdersAdd a placeholder transaction with a description and other context, preparing Fi.Art for when the actual bank transaction arrives. Match a later bank-fetched transaction to this placeholder and merge the information, avoiding duplicate records.
Employer stockOptionally register employer stock events such as ESPP purchases and RSU vesting as income-related entries, with dedicated stock purchase analysis where enabled.

Transaction list with an expanded transaction detail pane — **One ledger for every account** Category suggestions, splits and an inline detail pane on the desktop layout.

Transaction list on a phone with one transaction expanded — **Same ledger on a phone** Tap a row to categorise, split or edit it.

Separate payment date from consumption date

A transaction can record both when it was actually paid via your bank account and when the purchase is 'consumed'. That keeps your spending honest for a concert or airline ticket bought today for an event months from now, as well as for a refund received today on an expense paid in the past.

Split, tag and link transactions

SplittingSplit a single payment into multiple classified parts, such as shoes, a television and a backpack bought in one online purchase with platforms like Amazon where you could purchase items spanning multiple categories with one single payment.
TaggingAdd custom tags for follow-up work, reporting and filtering.
LinkingLink related transactions into a named group, such as a medical payment and its insurance refund, and follow the full story instead of two unrelated lines.

Transaction ledger showing a named link group of two related transactions with a net total — **Multiple transactions, one story** A named link group keeps a payment and its repayment together.

Compact transaction list on a phone, showing counterparty, description and amount per row — **Tags for easy identification** Set tags by editing a transaction to use in follow ups or reporting.

Categories that adapt to your life

A sensible default category structure is provided out of the box, covering the most common personal finance needs. From there it is yours: create parent categories and subcategories, change icons and colours, archive what you no longer use and configure income, expense, travel and one-time behaviour to match your own system.

Trips and travel

Fi.Art includes a dedicated travel workspace that turns scattered holiday transactions into a complete trip record, instead of just seeing them as a filter in between all other transactions.

One overview for every trip

Trip ledgerA dedicated list of travel transactions.
Category breakdownCategory-level spending breakdowns.
Detail viewIndividual transaction details.
Country splitSpending by country for multi-country trips.
NotesOptional notes or a trip description.
Automatic datesStart and end dates calculated from the recorded expenses.
Custom datesYour own start and end dates when the automatically calculated range is not the right representation.

Shared trip expenses and settlements

Record the people travelling with you and specify how each shared expense should be divided. Fi.Art supports equal shares, exact amounts, percentages, share counts and settlement entries. The trip view keeps track of:

Total costThe full cost of the trip.
Your shareYour personal share of each expense.
PrepaymentsAmounts paid in advance by each participant.
SettledSettlements already completed.
OutstandingRemaining amounts owed between participants.
Settlement planA proposed plan that balances the trip with as few payments as possible.

Trip overviews and detailed expense tables can be shared with your fellow travellers, including participant totals, outstanding balances and the underlying expense breakdown. All of that without registering their email address and without requiring them to create an account or run the app themselves.

Trip overview with visited country flags and per-trip cost bars — **Every trip side by side** Trip totals, your own share and a cost breakdown per trip.

Proposed settlement plan for a shared trip on a phone — **Shared expenses on the road** Two separate details: the proposed settlement plan and the sharing settings of a single trip expense.

Shared expense settings for a single trip transaction on a phone — **Shared expenses on the road** Two separate details: the proposed settlement plan and the sharing settings of a single trip expense.

Interactive world map with visited countries highlighted and travel statistics — **Your travel history on one map** Select a visited country to reveal its travel statistics and related trips.

Countries, currencies and historical value

Location awareAssign a country and currency to travel transactions.
Currency conversionConvert foreign-currency amounts into your home currency using stored historical or current rates.
Real costInclude configurable percentage and fixed bank costs so the tracked amount reflects the real amount paid.
Then or nowView a trip using the original amount paid or an inflation-adjusted amount in today's value.
Local inflationKeep country-specific inflation in account to evaluate historical trip costs.

Explore your travel history

The interactive world map highlights every country you have visited across your trips. Select a country and Fi.Art reveals the related travel statistics and the trips associated with it.

Charts and financial insight

Fi.Art provides several views for exploring financial data across a selected period.

TrendsIncome and expense evolution over time.
Category analysisParent and subcategory detail side by side.
Transaction tableA unified table for detailed review.
Budget analysisIncome against expenses by month, week or year.
Sankey flowA chart showing the flow from income into expense categories.
Stock planA stock purchase plan view for ESPP and RSU entries.
Responsive by designCharts work on both narrow mobile screens and wide desktop windows, and a variety of filters can be combined to focus on a precise question.

Sankey diagram showing income flowing into spending categories — **Follow the money** A Sankey diagram tracing each income stream into the categories it actually pays for.

Monthly income and expense bar chart with a ranked category breakdown — **Trends in detail or at a glance** Period-based bars plus a detailed category breakdown per choosen period.

FIRE planning based on your own data

Fi.Art's FIRE module connects long-term planning to the spending and income patterns already recorded in the application, so your projection is built on your real life rather than a generic average.

Personalised FIRE assumptions

Spending profileYour historical expense and travel profile.
CapitalCurrent account balances and capital.
YieldProjected investment yield percentages.
InflationInflation projections and future purchasing-power adjustments.
Income timelineExpected salaries, income streams and the ages at which they change or stop.
Category rulesRules that increase, decrease, replace or stop a cost or income category over time.
PensionPension income and pension start ages.
FamilyAn optional partner's profile with a separate FIRE age, plus optional children and child-related costs.
One-time eventsFuture one-time expenses, such as education or major home maintenance. Future one-time income, such as an inheritance, property sale or pension-fund payment.

Transparent results and scenarios

Adjust your desired FIRE age and watch the timeline rebuild year by year, showing exactly how income, expenses, inflation, capital and future events shape the result. Depending on the assumptions, Fi.Art can show:

End capitalThe projected capital remaining at the end of the simulation.
Break pointThe point in time at which capital would run out.
FeasibilityWhether the selected FIRE age is sustainable.
Trade-offsThe effect of working longer or changing the desired FIRE age.
SuggestionsScenario changes, such as a different implementation year, lower recurring costs or a different one-time amount, to make a target more achievable.

FIRE projection table showing yearly income, expenses and capital per age — **Year by year, not a single number** Capital, income and expenses per age, derived from your own transaction history.

FIRE projection table on a phone, scrollable by column — **Optimized for mobile and desktop views** The full table, scrollable column by column.

The FIRE result is meant to be inspected rather than a single unexplained number. Every rule can be reviewed and adjusted to see how it changes the outcome.

Try before you configure

Fi.Art includes a complete demo database with realistic fictional data. Demo mode lets you explore transactions, categories, trips, charts, FIRE projections, maps, settings and other local workflows without entering a single detail of your own financial information. The demo database can be reset at any time, so you can safely repeat the tour and test different screens.

Launch the demo → Privacy policy Terms of service

Settings, configuration and calculators

Fi.Art is modular. Settings allow you to enable, disable or fine-tune every feature as desired, so the app stays as simple or as complete as you want it.

The app also includes multilingual support, configurable home currency and country settings, account-level currency-rate sources and bank-fee settings, saved filters and display preferences.

Every module is optional Turn features on or off and fine-tune their behaviour, so the app matches the way you work.

Feature settings on a phone with individual toggles per module — **Configure to your needs** Settings are grouped per topic and reachable in a couple of taps.

Built-in calculators

Inflation calculatorEstimate what an amount paid today or in the past would cost at another date for a selected country.
Currency converterConvert between currencies using today's rate or a historical date.

The calculated values are there as a quick reference and never touch your underlying transaction records.

Backup, export and portability

Fi.Art keeps the working database on the device and gives you control over how data leaves it.

CSV exportExport all transactions to CSV with configurable export options.
Local backupCreate a backup of the complete database or export the database to a destination you choose.
RestoreRestore a database backup on the same or another device.
Your choice of protectionPick an encrypted database export for stronger protection, or an unencrypted export when portability and easy inspection matter more.
Key recoveryView and recover the database encryption key through an authenticated security flow when encryption is enabled.

Encrypted native database storage currently uses SQLCipher-based encryption on iOS, Android, Windows and MacOS.

Local-first privacy and security

Fi.Art is built around local ownership of personal financial data.

On your deviceThe main database is stored locally on the device.
No cloud accountNo Fi.Art cloud account, cloud database or mandatory sync server.
No server, no cloudAccessing, storing, editing, analysing and reporting on your data happens entirely inside the app on your device, without a cloud service and without a local server. Fetching new bank transactions, exchange rates and inflation figures does use the internet, because that information comes from external sources.
Network only when askedBank imports require the selected banking provider and an internet connection. Current exchange rates and updated inflation data are retrieved from their configured external sources when requested, then cached locally.
Secure credentialsBank credentials can be stored in the operating system's secure credential storage, with an explicit portability option for storing them in the database when required.
Protected secretsSecret values such as encryption keys require re-authentication before they are revealed or copied, and copied secrets are cleared from the clipboard after a short period.
Privacy modesHide your amounts from the people around you with a single tap. Transaction lists, trip overviews and summary totals each have their own privacy mode: show everything, mask only the totals and your income, or mask every individual amount as well. Useful on a train, in an open office or while sharing your screen, because the app stays fully usable while the real numbers are replaced by asterisks. A profile-level override applies your choice to every screen at once and can be undone to bring back the individual per-screen settings.
App lockAn optional app lock can require device biometrics or the device passcode on launch and after returning from the background.
Reviewed and testedThe developer has performed security-focused source review and testing, including encryption migration handling, credential-storage tests and database round-trip tests.

Encryption and secure hardware-backed credential storage depend on the capabilities of the platform on which the app is running.

Available platforms

The Flutter application targets:

iOSiPhone and iPad.
AndroidPhones and tablets.
macOSNative desktop app.
WindowsNative desktop app.
LinuxNative desktop app.

The project also contains a web build and an online demo build. Native platforms provide the broadest security and file-system capabilities. Web builds use browser storage and therefore have different encryption, credential-storage and file-export behaviour. To ensure the highest security, reliability and privacy it is therefore not recommended to run Fi.Art as a browser based application, despite it being fully functional as such as can be seen in the demo environment.

The responsive interface keeps the same core workflows across mobile and desktop layouts, while adapting tables, charts, forms and navigation to the available screen size.

A finance app that follows your choices

Fi.Art is for people who want detailed financial records without being forced into a single data-import method, budgeting philosophy or long-term planning model. Start with manual transactions, add CSV imports later, connect a bank when convenient, build detailed trip records and use FIRE projections only when they become useful to you.

Open the live demo → Back to the top

Contact

Questions, feedback or a problem to report? Send an email and you will get a reply as soon as possible.

contact@fi-art.app

Your whole financial picture.On your own device.