Hi Product Hunt! 👋 I'm a solo indie developer behind Totem Finance. For years, I struggled to find a solid personal finance app that didn't demand access to my bank accounts or store my sensitive financial data on third-party servers. We want professional financial tools, but we want to keep our privacy intact. So, I decided to build Totem Finance. It’s an offline-first, 100% private financial manager where the database never leaves your phone. But I didn't want it to be just a simple expense tracker. I built it with the tools I personally needed to plan my future: 🔒 True Privacy: No bank syncing, no cloud uploads, no tracking. 🏡 Mortgage Simulator: Uses the French Amortization System so you can see your exact payment schedule before talking to a bank. 🤝 Social Debt Manager: Keep a clean history of who owes you money with partial payments. 📈 FIRE & Savings Tools: Native compound interest and financial independence calculators. Since I'm bootstrapping this entirely on my own, your feedback means the world to me. I’ll be here all day answering your questions! 🚀

Totem Finance: Personal Finance Manager

Offline-first personal finance & analysis simulator

Offline-first personal finance & analysis simulator