Building a 100% offline personal finance app with AI – My journey as a solopreneur

Hi everyone! 👋

I’m currently preparing for the official global launch of Nexmy on Product Hunt, and I wanted to share a bit of the backstory behind it.

To be completely transparent, I don't come from a traditional software engineering background. I am a solopreneur who built this entire Android application by closely collaborating with AI tools like GitHub Copilot.

I built Nexmy because I was frustrated with modern finance apps. They all want my email, my cloud registration, and access to my bank account. I wanted the exact opposite: a sanctuary for my data. Nexmy is 100% offline-first. No accounts, no internet required, full local encryption. It tracks budgets, compound interest, mortgage amortization, and even BNPL (Buy Now Pay Later) plans.

We also integrated a local, lightweight AI assistant called Smarty (Beta 1.0) that processes natural language entirely on the device. It still has some bugs we are squashing, but it represents our vision: bringing AI to utilities without violating user privacy.

I’d love to ask the community: Would you trust a personal finance app more if it was 100% local and offline?

Let's chat in the comments! I'd love to hear your thoughts and connect before launch day! 🚀