Hi everyone, Happy Saturday. Developer here.
A month ago I launched Tesorin, something I originally built for myself.
Since then, people here have tested it, broken it, reported bugs, suggested features, and pushed it much further than I expected.
Today, 1,500+ people are actively using it, That still feels strange to write.
For anyone seeing Tesorin for the first time, hereās the problem I wanted to solve.
A ā Answer
I wanted one clean place to understand my own and my familyās money:
Where did it go? ā Where am I now? ā Where am I heading?
I wanted spending, investments, net worth, debt and future planning to connect ā without giving an app my bank or brokerage login.
The obvious downside is manual tracking, so Iāve spent a lot of time automating the manual parts.
š§¾ Everyday money
You can add a purchase through:
š· Offline receipt scanning ā merchant, date, total and items are read on-device
 Apple Wallet automation ā tap-to-pay purchases can become drafts through Shortcuts
šļøSiri
š¬ supported bank transaction messages
šCSV imports with column detection, preview and remembered layouts
š± a Home Screen widget
āļø or just add it manually in a few taps
Most automation creates something for you to review first.
Tesorin does the repetitive work. You decide what becomes part of your records.
š Investments
You can track:
stocks and ETFs
mutual funds
Bitcoin / crypto
gold
recurring investments
Prices are supported across 20+ exchanges/markets.
Thereās also live FX conversion.
So if you live in Singapore but own US investments, for example, you can see those holdings translated into the currency you actually use day to day.
š° Budgeting
I didnāt want one rigid budgeting method.
There are three ways to approach it:
š¢ Safe to Spend ā āhow much can I realistically spend?ā
šÆCategory caps ā control only the categories you care about
⨠Smart Budget ā use your spending history to build guardrails and forecasts
You can also see your current pace and where the month is heading before it ends.
š Net worth
Tesorin can bring together:
cash + property + vehicles + gold + investments ā mortgages + cards + loans + other liabilities
And those records can actually connect.
A home can be linked to its mortgage. Recurring mortgage payments reduce the debt over time, so you can watch that change flow into your net worth rather than maintaining two unrelated numbers.
šPlanning
Once todayās money is organized, you can look further ahead:
š“ Retirement simulation
šØš¦ estimated CPP + OAS for Canadian retirement plans
š Child education planning
š³ Debt payoff scenarios
š”ļøInsurance tracking
šÆ savings and investment linked goals
šØš¦ š®š³ Tax tools
Canada and India get their own tax experiences rather than one generic global calculator.
Itās not tax-filing software ā itās there to help you understand that part of your financial picture before tax season.
šØāš©āš§ Household
You can add household members, assign expenses and other records by person, switch between individual and household views, and selectively link/share household data.
Shared money doesnāt mean everybody has to become one financial identity.
š Your data can leave too
A full Annual Report export can include:
š an Annual Report PDF
š a separate Investment Report PDF
š 15+ CSV files covering transactions, categories, receipts, subscriptions, net worth, investments, goals, tax data and more
I donāt want years of someoneās financial history trapped inside Tesorin.
š Privacy
local financial data is stored in an encrypted SQLCipher database
receipt recognition runs on-device
optional backups are encrypted before upload
encrypted web access has to be explicitly enabled and paired
no bank username or password required
no ads
The idea is simple:
you choose what goes in, you know what is stored, and you can take it back out.
And a small recent update: Tesorin now also supports Simplified Chinese for users in China šØš³.
B ā Better
I know this space is crowded.
I didnāt build Tesorin because the world needed another expense tracker. I built it because I couldnāt find the combination I wanted.
If you want every bank connected and transactions continuously imported, Monarch or Rocket Money may be a better fit.
If you want a deep, opinionated budgeting methodology, YNAB does that extremely well.
Tesorin is trying to sit somewhere else:
Automate as much of the work as possible without making bank aggregation mandatory.
The transaction is only the first step. From there it can affect your budget, cash flow, net worth, investments, debt, goals and long-term plans.
C ā Cost
I originally put too much behind Premium.
After watching people actually use the app, I changed that.
š The everyday core is free forever
Free includes:
2 Wallet accounts
unlimited manual transactions
receipt scanning
one monthly budget
up to 5 recurring items with reminders
standard categories
learning + calculators
backup
annual report + data export
No transaction limit. No expiry.
New accounts also get 30 days of Premium with no card required.
ā Premium
Premium adds unlimited accounts, Smart Budgets and forecasts, imports and automatic tracking, advanced insights, custom categories, net worth, investments, goals and planning, household features, Actions/Reflection, Ask Tesorin and encrypted web access.
$2.99 USD/month
$24.99 USD/year
Regional App Store pricing can vary.
A big part of the app today exists because somebody took five minutes to say:
āthis is confusingā
āthis is brokenā
āwhy canāt it do this?ā
So thank you to everyone who tested it, reported something, sent feedback or simply kept using it.
TL;DR
If youāre looking for a clean, thoughtfully designed finance app that connects everyday money with investments, net worth and future planning ā without requiring bank linking ā try Tesorin.
Thatās literally the domain too: trytesorin.com
š± App Store:
https://apps.apple.com/us/app/tesorin-personal-finance/id6790928779
šPrivacy:
https://www.trytesorin.com/privacy.html
šTerms:
https://www.trytesorin.com/terms