FinPath Navigator never connects to your bank. CSV import or manual entry, your credentials stay with your bank, full stop. 15 regional engines with local tax rules: UK, India, USA, Canada, Australia, Nigeria, Singapore, South Africa, Kenya, France, Netherlands, Philippines, Brazil, Bahrain, Mexico. Net worth tracking, FIRE calculator (5 variants), Scenario Lab, cashflow forecasting, Financial Health Score, tax nudges, adviser export. Free tier. Pro ~£5/month. Lifetime available. Android+web.