Local-first personal finance — bank-linking optional

Your money.
Your data. Your call.

Net worth, budgets, and spending trends — with bank-linking optional, not required. Nothing leaves your device unless you export it yourself.

In private beta · iOS & Android from day one

Overview
Net worth
$27,337
+$2.8k
Accounts
Everyday Checking
Synced 1h ago
+$22,642.72
High-Yield Savings
Synced 4h ago
+$11,494.28
Rewards Credit Card
Synced 24m ago
-$6,800.00
Recurring & subscriptions
Metro Fiber Internet
in 2d-$76.29
Notion Plus
-$10.00

Where the gap actually is

Beautiful and local-first.
Not a tradeoff.

Design-forward apps require Plaid. Local-first apps look like spreadsheets. Nobody's combined both — plus real Android parity.

Copilot-tier
Self-hosted
Lava Money
Works without linking a bank
Real sync-status visibility
Design-forward, not spreadsheet-adjacent
Android at parity with iOS
Explains its own categorization

Built for control

Everything you need.
None of your data required.

Your data stays on your device

Nothing is uploaded anywhere unless you export it yourself. No account required to use the app, ever.

Bank-linking is optional, not required

Link a bank if you want automatic sync, or add accounts by hand and import a CSV. Manual is a real feature here, not a fallback for people who can't link.

Connection health you can actually see

Every linked account shows a real sync status — synced, stale, or a failed connection — instead of a silently stale balance.

Recurring charges, surfaced before you look

Detected automatically from your real transaction history — subscriptions, bills, and anything overdue that may have lapsed. No agent, no AI, no bank-account access required.

Categorized with a visible "why"

Rules-based categorization on import, with a plain-language explanation for every guess — never a black box you have to just trust.

Built for iOS and Android, day one

React Native from the start, not an iOS-first app with Android bolted on later — designed for a mixed-phone household.

How it works

Set up in three steps.

01

Add an account

Link a bank for automatic sync, or add one by hand and import a CSV. Both are real, first-class paths — pick either.

02

See everything in one place

Net worth, budgets, spending trends, and recurring charges — surfaced automatically from your real transaction history.

03

Own your data, always

Export everything as JSON or CSV whenever you want. Nothing is ever uploaded unless you choose to send it somewhere yourself.

Join the waitlist

In private beta · iOS & Android

We'll email you the moment Lava Money is ready for early access. No spam, no spend — just one email when it's your turn.

No spam. Notified when beta seats open up.