Local-first
Your financial data lives in a database on your phone. It is never synced to a server, because there is no server.
your money data
stays on your phone.
Privacy-first expense tracker built around that promise. No accounts. No analytics. No telemetry. The optional AI assistant (Premium) runs on your phone or uses an API key you provide. There is no Mizan server in the middle.
Get it on
Google Play
Coming soon to
App Store
On Google Play now. iOS coming soon.
Why Mizan
No accounts, no ads, no tracking
No signup, no email, no advertisements, and zero analytics or telemetry. Open it and start.
Encrypted backups
AES-256-GCM with your passphrase as the only key. You choose where the file goes. Lose the passphrase and not even we can recover it.
see it up close.
your data never leaves your phone.
Unless you tap a button that explicitly sends it somewhere, and a "What gets sent?" card tells you what goes before it goes.
- No accounts, no signup, no email required.
- Local SQLite database, never synced to a server.
- Encrypted backups with your passphrase (AES-256-GCM + PBKDF2 600k iterations).
- When AI is used, you see what gets sent first.
What gets sent?
When you send a message:
- Your typed question.
- A summary of recent expenses: last 30 / 90-day totals, top categories, and your last 15 entries (date, amount, category, and note).
Sent to: your chosen AI provider via HTTPS.
Mizan never sees the request.
AI is optional. on your terms.
The AI assistant is a Premium feature, and it stays optional. Given the data boundary above: it is opt-in, and a cloud provider gets your API key directly. We never proxy or store anything.
Bring your own key from OpenAI, Anthropic, OpenRouter, Groq, Gemini, DeepSeek, or any OpenAI-compatible endpoint (including a self-hosted Ollama on your LAN). Mizan never proxies through a server because there is no server.
- OpenAI
- Anthropic
- OpenRouter
- Groq
- Gemini
- DeepSeek
- Ollama (local)
- Custom OpenAI-compatible
Mizan AI. open models, on your phone.
Premium unlocks Mizan AI: open models from the Qwen family that we pick, test and package to run entirely on your device, set up to answer questions about your money. No API key, no cloud, no account, not even ours. Ask about your spending in airplane mode and it still answers, because the model lives on the phone.
Tap a model to see what it takes to run.
- Private by design. The model runs on your phone. Your prompts and spending never leave the device.
- Open models, named. Silver is Qwen3 1.7B and Gold is Qwen3 4B Instruct 2507, both released by the Qwen team under the Apache 2.0 license and converted to run on phones by the LiteRT community. Mizan does not change them.
- Download once, offline forever. After the one-time model download, Mizan AI works with no connection at all.
- Right-sized for your phone. Mizan picks the tier your device can run, or you choose. Advanced users can even bring their own model.
what you can do with it.
Budgets and recurring entries
Set a monthly budget for each category, or one for everything, and get a nudge at 80% and again if you go over. Rent and subscriptions go in once as recurring entries and add themselves when they are due.
Savings goals and debts
Save toward a goal and watch it fill up. Keep track of who owes you and who you owe, and mark it settled when it is paid back.
Accounts and transfers
Card, Cash and Savings are ready from day one, each with its own balance, and you can add your own. With Premium, log income and record transfers between accounts.
Spend in any currency (Premium)
Log an expense in the currency you paid in. Mizan converts it to your home currency with exchange rates bundled in the app, so it works offline, and the rate is locked in when you save.
Receipts and statements
Attach a receipt photo to an expense (Premium), or scan one with your AI provider to fill in the details for you. Export a monthly PDF statement or a CSV file whenever you like.
Home screen widgets (Premium)
See what you have spent, or what is left of your budget, in a small or medium widget. It refreshes the moment you add an expense, edit a budget or restore a backup.
the longer privacy story.
Every major expense tracker syncs your data to a server. Mint did it. YNAB does it. Monarch and Copilot do it. The pitch is always the same ("your data, accessible everywhere") and the trade is always the same: the most revealing dataset you own gets a permanent home on someone else's machine.
Mizan refuses the trade. Your spending log is a SQLite file in the app's private sandbox on your phone. We don't have a copy. There is nothing on a server because there is no server. If you uninstall the app, the data is gone, same as a paper notebook thrown in the bin.
The optional cloud AI assistant is the only thing in the app that ever sends your expense data anywhere, and only when you actively use it. When you ask the assistant a question, a summary of your recent expenses (last 30 / 90-day totals, top categories, and your last 15 entries with date, amount, category and note) goes over HTTPS to the provider you chose, using the API key you supplied. That provider's privacy policy governs what happens next, so read it before you configure it. The Mizan app, the Mizan developer, and any Mizan infrastructure do not see, log, store, or process that traffic in any form.
If you don't configure an AI provider, your expense data never leaves the phone. The only other connections are to Google Play, for purchases and update checks, and the one-time Mizan AI model download if you choose it. None of them carry your data. You can check with any network monitor, or run the app in airplane mode: everything except cloud AI keeps working.
Want fully local AI? The simplest way is Mizan AI
(Premium), which downloads a model that runs on your phone with no
network at all. Prefer your own server? Run Ollama
on your computer and point Mizan at it via the Custom
OpenAI-compatible template (Base URL:
http://<your-LAN-IP>:11434/v1). Traffic stays on
your local network.
pricing.
Free
$0
Forever, no asterisk.
- Up to 3 budgets
- Up to 3 recurring transactions
- Up to 5 custom categories
- Card, Cash and Savings accounts, plus 1 of your own
- 1 savings goal and up to 3 debts
- Manual encrypted backup
Premium monthly
$3.99/mo
Cancel any time.
- Unlimited budgets, recurring, categories, accounts, goals, debts
- Income and transfers between accounts
- Expenses in other currencies
- Optional AI assistant (on-device or your cloud key)
- Receipt photo attachments
- Home-screen widget
best value
Premium yearly
$19.99/yr
~58% off vs monthly.
- Everything in monthly
- Twelve months for about the price of five
Premium lifetime
$49.99
Once. Done.
- Everything in yearly
- All future updates
- No subscription, no expiry
how mizan compares.
| Feature | Mizan | Cloud trackers (YNAB, Monarch, Copilot) |
|---|---|---|
| Your data lives | On your phone | On their servers |
| Account required | No signup, no email | Yes |
| Works fully offline | Yes, by default | No, built around sync |
| AI | Optional (Premium): on-device, your own key, or none | Built-in, runs on their cloud |
| Pricing | Free tier, plus monthly, yearly, or pay-once lifetime | Subscription |
Cloud trackers are genuinely convenient: automatic bank sync is their whole point. If you would rather keep your spending off other people's servers, that is the gap Mizan fills.
questions, answered.
Where exactly is my data stored?
In a local SQLite database inside the app's private sandbox on your phone. There is no Mizan server. Nothing is uploaded, synced, or mirrored anywhere unless you explicitly export it yourself.
What happens if I lose my phone?
If you made an encrypted backup (Settings → Encrypted backup), install Mizan on the new phone and restore the .mizan file with your passphrase, and everything comes back.
If you never made a backup, the data is gone with the phone. That is the honest cost of no cloud: we can't recover what we never had.
Do I need an account?
No. No signup, no email, no password. Install it and start.
How can the AI work if there's no server?
The AI assistant is part of Premium. (Free users who add their own key still get 5 receipt scans a day and the Auto category button.) On phones with enough memory, Mizan AI runs a model on the phone itself, with no server at all. Or you bring your own API key from a provider you choose (OpenAI, Anthropic, Gemini, Groq, OpenRouter, DeepSeek, or a self-hosted Ollama). Requests go straight from your phone to that provider over HTTPS. Mizan never sees or proxies them. Before anything is sent, a "What gets sent?" card shows you what gets sent.
Don't want AI at all? Leave it unconfigured and your expense data is never sent anywhere. You can check with any network monitor.
Is Mizan free?
The free tier is free forever: unlimited transactions, encrypted backups, CSV import/export, PIN and biometric lock, no ads. Premium unlocks the AI assistant, unlimited categories, budgets, recurring entries and accounts, income and transfers, other currencies, receipt photos, and the home-screen widget, monthly, yearly, or as a pay-once lifetime.
When is iOS coming?
The iPhone version is in beta on TestFlight now and is coming to the App Store. We will add the App Store link here as soon as it is live.