Prosperae – Personal finance insights without sharing bank credentials

Summary: Prosperae is an offline-first personal finance app that transforms scattered transactions into visual insights without requiring bank login credentials. It offers detailed cash flow analysis, multi-currency support, and debt management while keeping all data securely on the user’s device.

What it does

Prosperae converts transaction data into visualizations like Sankey diagrams, heatmaps, and net worth waterfalls to reveal spending patterns and cash flow. It operates entirely offline with biometric or PIN security, supports multiple currencies with daily exchange rates, and tracks credit card cycles to help manage debt.

Who it's for

It is designed for individuals seeking detailed financial analysis without cloud syncing, especially expats and global citizens managing accounts in various currencies.

Why it matters

Prosperae addresses privacy concerns by eliminating the need to share bank credentials and provides clear, actionable financial insights while keeping data fully local and secure.