Your finances. Local. Encrypted. Yours.
Tenivel is a desktop personal finance manager that keeps all your financial data encrypted on your device. No cloud. No tracking. No telemetry.
Built for people who believe privacy isn't a premium feature.
🌐 tenivel.com · 📧 [email protected]
Tenivel helps you manage your personal finances — budgets, transactions, savings goals, recurring payments, forecasts — entirely on your own computer. Your data never leaves your device.
Unlike cloud-based finance apps, Tenivel stores all financial data in a local AES-256 encrypted database. An optional account on tenivel.com is used solely for license management and device activation — no financial data is ever transmitted to the server.
- Bank Import — CSV and PDF import for major banks (Sparkasse, DKB, ING, Commerzbank, N26, Volksbank) plus a generic fallback
- Dashboard — KPIs, spending trends, monthly comparison, year overview, and anomaly detection
- Monthly Budget Planner — Set budgets, track fixed costs, category breakdowns with progress bars
- Savings & Spending Goals — Milestones, pace indicator, auto-assignment, archive
- Recurring Payments — Auto-detection, 30/90-day forecasts, inline editing, pause/resume
- What-If Simulator — 8 scenario templates (salary raise, moving, car purchase, job loss, and more)
- Local AI Analysis — Optional AI assistant via local Ollama instance (your data stays on your device)
- Professional PDF Export — Financial reports with cover page, table of contents, and charts
- Excel & JSON Export — Full data portability
- Profiles — Up to 3 separate profiles, each with its own encrypted database
| Tenivel | |
|---|---|
| Data storage | 100% local on your device |
| Encryption | AES-256 (SQLCipher) |
| Server communication | License validation only — no financial data transmitted |
| Account | Optional, for license and device management |
| Tracking / Analytics | None in the app |
| Password protection | Yes, with local recovery key |
| Backups | Local, automatic + manual |
- OS: Windows 10/11 (Linux coming soon)
- Disk: ~50 MB
- Optional: Ollama for local AI analysis
| Price | |
|---|---|
| Demo | Free (unlimited, limited features) |
| Full version | One-time purchase |
14-day money-back guarantee. Buy once, keep forever.
→ Download & Pricing on tenivel.com
Found a bug or have a feature request? Please open an issue using one of the templates.
You can also reach us at [email protected].
- 🇩🇪 German (Deutsch)
- 🇬🇧 English
© 2026 Maximilian Schanz · tenivel.com