Sifdroid: Finance App

Sifdroid is a personal finance app that never asks for your bank login. Budget, accounts, savings goals, investments and physical assets all live in one place, so the net worth at the top of the screen counts all of it.

You type your spending in yourself. That's more work than linking a bank, and for the first week it feels like it. After that you have a set of numbers you actually recognize, because you were there when each one went in.

Everything stays on your phone. No account to make, no cloud, nothing collected. No analytics, no ad network, no crash reporting. Sifdroid goes online for three things only: looking up market prices, exchange rates, and asking Google Play whether you've bought Pro.

FREE, AND STAYING FREE

• Budget screen with an interactive Sankey chart that shows where the money actually went
• Day, month and year views, and a running net worth across everything you've recorded
• Accounts, transfers between them, and your own categories
• One savings goal, with progress and reminders
• Lock Sifdroid behind your fingerprint or PIN
• Export the lot to a zip file and keep it somewhere you trust

WITH SIFDROID PRO

• An investment portfolio with live prices, each holding in the currency it trades in
• Assets: property, metals, vehicles, anything worth money that isn't a stock
• Unlimited savings goals
• Recurring transactions that post themselves

WHY SIFDROID

• Nothing to link, and no credentials to hand over
• Your data never leaves the phone. I don't run a server, so there's nowhere for it to go.
• No ad or analytics SDKs bundled in
• One payment instead of another monthly bill
• Works offline. Only price and exchange rate lookups need a connection.
• Works on anything running Android 8.0 or later

DOES IT CONNECT TO MY BANK?

No, and it never will. There's no Open Banking integration, no screen scraping, and no way for Sifdroid to read your balances. It keeps a record of money you've already moved on your own bank, broker or exchange, and it can't pay, trade or transfer anything on your behalf. That's a decision, not a feature I haven't got to yet. There's no login to hand over and nothing to reconnect. There's also nothing stopping you forgetting to log the coffee, and then the total is wrong until you fix it.

ONE BIT OF SETUP

Stock prices come from Finnhub, on a free key you create yourself. The app links you straight to the signup and you paste the key in once. Crypto prices and exchange rates need no key at all.

PRIVACY

No personal data is collected. It all stays on your phone. You can read the full policy at https://twius.github.io/Policies/sifdroid/ or in the app under Settings > App info > Privacy policy.

Budgeting is free and stays free. Sifdroid Pro is one purchase, no subscription, and it's yours for good.

Questions or bugs? Write to me and I'll answer.