Klera
Your private, offline personal finance app
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Klera - Your private, offline personal finance app

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Klera is a personal finance app that works fully offline. No sign-up, no bank login, no server holding your ledger — everything sits in an AES-256 encrypted database on your phone. Ask Klera, the built-in assistant, answers money questions like "can I afford a 30,000 phone?" on-device. It's a deterministic engine, not a cloud LLM: figures are computed from your data, never predicted, and it works in airplane mode. Spending, budgets, goals, investments with XIRR, loans, money lent. Free.

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Hi Product Hunt 👋 I built Klera because every expense tracker I tried wanted something I didn't want to give: a bank login, an account, or blanket SMS access. The trade was always the same — hand over your financial history, get convenience back. Klera goes the other way. There's no sign-up, no server, and no Klera-operated copy of your ledger. Your data lives in an AES-256 encrypted database on your device. Turn on airplane mode and every feature still works — that's a 60-second test you can run yourself. The part I'm most curious to hear opinions on is the AI. "Ask Klera" answers questions like "how much did I spend on food last month?" or "can I afford this?" — but it's not a cloud LLM. Understanding the question is a language problem; producing the answer is arithmetic over a database. So it's a deterministic intent engine: it recognises the question shape, then computes the number from your data. Answers can't be hallucinated, cost nothing per question, and work offline. The catch is honest — it covers 94% of a 1,316-question test bank, and says "I can't answer that yet" for the rest instead of guessing. Where Klera is NOT for you: no bank sync, no multi-device sync, Android only for now, and it's ad-supported. Free, every feature included. Would love your feedback — especially on where the assistant fails to understand you.