u/Sharp-Literature-217

App Name: TESORIN

What it does:

Keeps spending, budgets, accounts, debt, net worth, investments, goals and planning together in one app. It doesn’t require you to connect your bank.

Key Features:

Core financial data stays encrypted on your device
Optional on-device bank SMS parsing on Android
One place for everyday money, investments and longer-term planning

Goal:

I’m trying to get feedback from actual Android users, especially on the UI and anything that feels slow, confusing or like too much work.
I made it because I wanted one place for my finances without paying for several different apps or giving another app access to my bank.
It’s free for 30 days with no card required. After that it’s ₹29/month or ₹199/year in India, $1.99 CAD/month or $14.99 CAD/year in Canada, and $1.99/month or $14.99/year in supported USD markets.
I’m the developer, so if you try it, criticism is genuinely more useful to me than a “nice app.”

Google Play:

https://play.google.com/store/apps/details?id=com.trytesorin.tesorin

I’ve never really liked the idea of connecting my bank account to every finance app I try.

At the same time, using one app for budgeting, another for investments and a spreadsheet for everything else isn’t much better.

TESORIN is my attempt at putting that stuff in one place — spending, budgets, net worth, investments, debt, goals and planning.

No bank login. The main financial data stays encrypted on your device.
On Android there’s optional bank SMS parsing too, so you can get some automation without actually connecting the bank.

A lot of my time has gone into keeping the UI simple because once you put this much stuff into one app it can get ugly very quickly.

30 days are free with no card. After that it’s ₹29/month or ₹199/year in India, $1.99 CAD/month or $14.99 CAD/year in Canada, and $1.99/$14.99 USD in supported USD markets.

I’m the developer. If anyone here tries it, tell me what you would change. Especially anything that feels like unnecessary work.

Google Play:
https://play.google.com/store/apps/details?id=com.trytesorin.tesorin

That was really the whole idea behind TESORIN.

I didn’t want one app for budgeting, another for investments, a spreadsheet for net worth, and something else for goals or planning. I wanted one place where I could see the bigger picture.
So TESORIN brings spending, budgets, accounts, debt, net worth, investments, goals and longer-term planning together.

The other two things I cared about from the beginning were privacy and price.

There’s no bank login. Your core financial data is encrypted on your device. On Android, there’s optional bank-SMS parsing if you want a bit of automation without actually connecting your bank.

And I’ve probably spent more time than I should admit on the UI. If you’re going to look at your finances regularly, the app shouldn’t feel like accounting software.

It’s also deliberately cheap: 30 days free with no card, then $1.99 CAD/month or $14.99 CAD/year in Canada, ₹29/month or ₹199/year in India, and $1.99/$14.99 USD in supported USD markets.

There is a tradeoff: if automatic bank syncing is something you absolutely need, TESORIN probably isn’t for you. That’s intentional.

I’m the developer, so obviously I’m biased. But if you try it, I’d genuinely rather hear what feels confusing, unnecessary or annoying than get a generic “nice app.”

Website: https://www.trytesorin.com
Android: https://play.google.com/store/apps/details?id=com.trytesorin.tesorin
iPhone/iPad: https://apps.apple.com/us/app/tesorin-personal-finance/id6790928779

Developer here 🇨🇦. I posted TESORIN here a few days ago expecting some downloads and feedback.

What happened was a lot more than that.

Many of you installed it, tested it properly, sent detailed suggestions, found edge cases, left reviews, recommended it to other people — and a few of you even paid for Premium while I was giving Lifetime Premium away.

So first: thank you.

I spent most of the last few days working through that feedback and shipping changes.

TESORIN has already changed quite a bit since launch:

New
Smarter CSV import for bringing your existing financial history with you
Three home-screen widgets for spending, budgets, and wealth/investments
Global Search across transactions, accounts, goals, investments, tools, and learning
Investment pricing expanded across 20 additional markets
Finance Library
Risk Lab for learning how risk, position size, and returns work together
On iOS, an Apple Shortcut can turn bank transaction messages into expense drafts without giving TESORIN inbox access

Improved
Faster everyday expense tracking
Global navigation and a cleaner interface
Recurring investments
Notifications
Family features and syncing
Lots of smaller workflows people found during actual use

Fixed
Planning calculations and edge cases
Saved goals
Recurring rules
Transaction/category issues
A long list of launch-week rough edges

Android: the updated version is already available.
iOS: the equivalent update is currently under Apple review.
And I am still working through suggestions.

The plan from here is pretty simple:
you use TESORIN → something feels off → you tell me → I improve it.
Final launch-week reminder
Lifetime Premium free ends August 12 at 11:59 PM ET.
Premium normally costs $1.99 CAD/month or $14.99 CAD/year.

Just create your TESORIN account before the deadline. I apply the Lifetime Premium grant manually to qualifying accounts.

If you already signed up from my first post, you are already covered. Do not create another account.
The Lifetime grant is tied to your TESORIN account and has no renewal charge.

To everyone who tested it, reviewed it, paid for it, recommended it, found something broken, or wrote me a paragraph explaining how something should work:
thank you. Keep the feedback coming.

iOS:
https://apps.apple.com/ca/app/tesorin-personal-finance/id6790928779
Android:
https://play.google.com/store/apps/details?id=com.trytesorin.tesorin
Website:
https://www.trytesorin.com

Edit 1:

Feel free to post any questions or suggestions: r/Tesorin

Edit 2: Around 1,500 people signed up and received free Lifetime Premium. I chose this path to get TESORIN into real hands and learn from honest feedback—and the suggestions have been incredible.

If you received Lifetime Premium and genuinely like TESORIN, an honest App Store or Google Play review would help others discover and trust the app. The in-app review prompt isn’t working reliably, so please review it directly through the store.

It would mean a lot to me as an independent developer. Thank you!

Just shipped TESORIN on iOS and Android after building it solo. Quick rundown:

Local-first — the financial database lives on-device, encrypted with SQLCipher. No bank aggregation, no server-side copy of your financial data.

On-device AI for personal queries — questions about your own money compose locally; balances never leave the device. General finance questions go online without personal records attached.

Cross-border — Canada + India tax and currency handling, integer-cents money math throughout to avoid floating-point drift.

Stack: Flutter/Dart, Riverpod, Drift over SQLCipher, Supabase for auth only.

Launch-week giveaway: anyone who signs up before [Aug 12, 11:59 PM ET] gets

Lifetime Premium free — tied to your account, no renewal. Premium is normally $1.99/mo or $14.99/yr CAD. It’s a promotional grant, not a store purchase, so if you reinstall just sign back into the same account.

iOS: https://apps.apple.com/ca/app/tesorin-personal-finance/id6790928779
Android: https://play.google.com/store/apps/details?id=com.trytesorin.tesorin

Developer here 🇨🇦. Giving away** Lifetime **Premium free to everyone who signs up during launch week **— ends [Aug 12, 11:59 PM ET**].

TESORIN is a finance app that works without linking your bank — no credentials, no account numbers. Your data stays on-device, SQLCipher-encrypted. Budgets, net worth, investments, goals, plus Canada + India cross-border planning.

Premium is normally $1.99/mo or $14.99/yr CAD. Sign up in the window → Lifetime free, tied to your account, no renewal. It’s a promotional grant (not a store purchase), so if you reinstall, just sign back into the same account to restore it.

iOS: https://apps.apple.com/ca/app/tesorin-personal-finance/id6790928779
Android: https://play.google.com/store/apps/details?id=com.trytesorin.tesorin

No code needed. You don’t enter anything — just sign up during the window and I apply Lifetime to your account manually on my side (within ~24h).

Hit the paywall? That’s normal. Premium unlocks once I activate your grant — reopen the app (or sign out and back in) and it’ll show as unlocked.

Available worldwide except the EU (working on that). If it’s not showing in your region, email hello@trytesorin.com and I’ll notify you once it’s live there.

Edit: After signing up, please allow up to 24 hours for activation. Once it’s applied, just sign out of the app and sign back into the same account — that’s what refreshes your Premium status. (Restore Purchases won’t apply here since this is a manual grant, not a store purchase — signing back in is the way to see it.)

Edit 2: Good news for EU users — TESORIN is now available in your region. Thank you for the overwhelming response and interest, and thank you all for your patience — I’m currently working through a backlog of activations, but rest assured, everyone who signs up will get this benefit. The only thing I get out of this is your genuine feedback and reviews, and that’s already been worth it. Thanks again, everyone.

Made TESORIN because I didn’t want to hand an aggregator my bank login just to see my own money. Quick, honest rundown:

No bank connection — no credentials, no account numbers. Everything since Mint shut down wants that; this doesn’t.

On your device, encrypted — your financial data lives locally with SQLCipher. Ask-TESORIN answers compose on-device; balances never leave the phone.

Whole picture, not just spending — budgets, net worth, investments, goals, plus Canada + India cross-border planning

Not for you if you want automatic bank sync — I’d rather say so

Free to download · Premium normally $1.99/mo or $14.99/yr CAD. Sign up by [Aug 12, 11:59 PM ET] and you get Lifetime Premium free — tied to your account, no renewal, no recurring charge.

It’s a promotional grant, not a store purchase, so if you ever reinstall, just sign back into the same TESORIN account to restore it (Restore Purchases is for store transactions and won’t apply).

App store

A few quick answers:

No code needed. You don’t enter anything — just sign up during the window and I apply Lifetime to your account manually on my side (within ~24h).

Hit the paywall? That’s normal. Premium unlocks once I activate your grant — reopen the app (or sign out and back in) and it’ll show as unlocked.

Available worldwide except the EU (working on that). If it’s not showing in your region, email hello@trytesorin.com and I’ll notify you once it’s live there.

I’ll say it first: another finance app, and you’re wondering if it’s an AI clone. Fair. Honest ABC pitch:

A — Answer: Every app since Mint died wants your bank login. TESORIN doesn’t. You add your own records — expenses, budgets, net worth, investments, goals, planning — and it stays on your device, SQLCipher-encrypted. Personal AI answers compose on-device; your balances never leave the phone.

B — Better:

vs. Monarch/Copilot: no bank credentials, no aggregator — I can’t misuse data I never receive
vs. AI slop: not vibe-coded. Real Flutter/Drift codebase, integer-cents money math. Ask me anything technical below
Built-in Canada + India cross-border planning — dual-currency, remittance, both tax systems
Not for you if you want auto bank sync

C — Cost:

Free · Premium $1.99 CAD/mo or $14.99 CAD/yr

Sign up by [Aug 12, 11:59 PM ET] → free Lifetime Premium, tied to your account, no renewal

App Store: iPhone, iPad, Mac

Website: https://www.trytesorin.com
Privacy: https://www.trytesorin.com/privacy
Terms: https://www.trytesorin.com/terms

Developer: 16697518 Canada Inc. 🇨🇦 — I’m the founder.

A few quick answers:

No code needed. You don’t enter anything — just sign up during the window and I apply Lifetime to your account manually on my side (within ~24h).

Hit the paywall? That’s normal. Premium unlocks once I activate your grant — reopen the app (or sign out and back in) and it’ll show as unlocked.

Available worldwide except the EU (working on that). If it’s not showing in your region, email hello@trytesorin.com and I’ll notify you once it’s live there.

Edit: After signing up, please allow up to 24 hours for activation. Once it’s applied, go to settings > subscriptions > restore purchases.

Edit 2: Good news for EU users — TESORIN is now available in your region. Thank you for the overwhelming response and interest, and thank you all for your patience — I’m currently working through a backlog of activations, but rest assured, everyone who signs up will get this benefit. The only thing I get out of this is your genuine feedback and reviews, and that’s already been worth it. Thanks again, everyone.

Tesorin isn’t another expense tracker. It connects spending, budgets, net worth, investments, pay cycles, and household finances to help users understand their full financial picture and what to do next.

It’s local-first, privacy-focused, and built to turn financial data into useful reflections and actions—not just charts.

Still early, but seeing real subscriptions come through made the last four months worth it.

Tesorin isn’t another expense tracker. It connects spending, budgets, net worth, investments, pay cycles, and household finances to help users understand their full financial picture and what to do next.
It’s local-first, privacy-focused, and built to turn financial data into useful reflections and actions—not just charts.
Still early, but seeing real subscriptions come through made the last four months worth it.

I’ve spent the past several months designing, building, testing, and refining TESORIN, a local-first personal-finance app that is now available on iOS.

TESORIN includes expense tracking and budgeting, but it is not designed to be just another budget tracker. The goal is to connect everyday spending with the rest of your financial life.

A — What problem does it answer?

Most finance apps focus on one question:

Where did my money go?

TESORIN is designed to help answer a broader set of questions:
What do I own and owe?
Is my monthly cash flow improving?
Is my spending on pace with my budget?
How are my investments allocated?
Am I progressing toward my goals?
What could retirement look like?
Are there upcoming costs or financial changes that need attention?

The app brings together:

Income, expenses, transfers, accounts, and recurring transactions
Cash-flow and spending analysis
Weekly and monthly budgets
Actual, expected, and projected spending
Net worth, assets, debts, and liabilities
Investment accounts, holdings, allocation, and benchmarks
Goals and contribution tracking
Retirement, education, insurance, and debt planning
Annual financial reports
Tax-planning tools
Financial reflections and suggested areas to review
The intention is to provide one connected financial picture rather than several isolated spreadsheets.

B — How is it better or different?

Local-first and privacy-conscious

TESORIN does not require a bank connection or banking password. Users decide which financial information they want to record.
Privacy features include:
Encrypted local financial records
App Lock using the device’s authentication
Optional password-encrypted iCloud backup
Data Vault for reviewing and clearing local records
Separate controls for analytics, diagnostics, and AI
No ads, data selling, or bank logins

Built for more than one region

TESORIN adapts its planning tools based on the user’s financial context.

For Canada

Federal and provincial tax estimates
Take-home pay breakdown
CPP and EI visibility
Effective and marginal tax rates
RRSP and FHSA contribution scenarios
TFSA versus RRSP planning
Retirement projections with portfolio income, CPP, and OAS
Province-aware calculations
Canada-to-India remittance tools for cross-border users

For India

Old versus new tax-regime comparison
Estimated tax and take-home pay
80C, 80D, and NPS deduction scenarios
Possible refund or amount-owing estimates
SIP step-up calculations
INR-aware investments, goals, and retirement planning

For the rest of the world

Users elsewhere can select their local currency and use the broader TESORIN experience:
Wallet and cash-flow tracking
Budgets and forecasts
Net worth
Investments
Goals
Debt and insurance planning
Retirement projections
Annual reports
General financial calculators
Country-specific tax features remain hidden when they are not relevant.

Ask Tesorin

The app also includes two question-and-answer modes:

Personal mode uses financial information available on the device to answer questions about the user’s own situation.
General mode handles broader finance questions without attaching balances, transactions, holdings, or other personal financial records.
Example questions include:

Where is my money going?
What changed this month?
How are my goals progressing?
What should I pay attention to?

C — Cost

TESORIN includes the complete app free for the first month.

After the free month:

Monthly: $1.99 CAD
Yearly: $14.99 CAD — save 37%

These are founder prices for early users and may change for future users.

iOS:
Tesorin: Personal Finance

Website:
https://www.trytesorin.com

Transparency

Privacy Policy:
https://www.trytesorin.com/privacy
Terms of Service:
https://www.trytesorin.com/terms
Data Safety:
https://www.trytesorin.com/data-safety
Financial Disclaimer:
https://www.trytesorin.com/financial-disclaimer

Hi everyone! 👋🏻

After several months of designing, building, testing, and refining it, **TESORIN is now available on both iOS and Android**.

Most personal-finance apps are built around one question:

**Where did my money go?**

TESORIN is intended to answer a much broader set of questions:

**What do I own? What do I owe? Is my cash flow improving? Is my budget on pace? How are my investments allocated? Am I progressing toward my goals? What could retirement look like?**

## This is not just another expense tracker

TESORIN includes tools for recording income and expenses, but that is only the starting point.

The app brings together:

- Income, expenses, transfers, accounts, categories, and recurring transactions
- Cash-flow analysis and spending trends
- Weekly and monthly budgets
- Actual, expected, and projected spending
- Net worth across cash, property, vehicles, gold, investments, debts, and other liabilities
- Investment accounts, holdings, allocation, performance, and market benchmarks
- Financial goals and contribution tracking
- Retirement, education, insurance, and debt-planning tools
- Financial reflections that identify changes, upcoming costs, and areas that may need attention
- Annual reports covering cash flow, net worth, investments, goals, and tax records
- Planning calculators for debt, emergency funds, savings runway, compound growth, education, and financial independence

The goal is to connect the different parts of someone’s financial life rather than presenting each one as an isolated spreadsheet.

## Features for Canada

TESORIN includes a dedicated Canadian planning experience.

The Canadian Tax Hub can estimate:

- Federal and provincial income tax
- Estimated take-home pay
- CPP and EI deductions
- Effective and marginal tax rates
- Possible refund or amount owing

It also lets users explore RRSP and FHSA contribution scenarios, review available contribution room, and see how different contribution amounts could affect an estimate.

Canadian users also receive:

- A TFSA versus RRSP planning calculator
- Retirement projections that separate portfolio income, CPP, and OAS
- Canadian investment and registered-account context
- Province-aware tax calculations
- Canada-to-India remittance tools when using the cross-border profile

These are planning estimates rather than tax or investment advice, but they are designed to make the numbers easier to understand.

## India and cross-border features

TESORIN also has a dedicated India experience, including:

- Old versus new tax-regime comparisons
- Estimated tax and take-home pay
- 80C, 80D, and NPS deduction scenarios
- Estimated refund or amount owing
- SIP step-up and long-term growth calculations
- INR-aware investments, goals, and retirement planning

For people managing financial responsibilities between Canada and India, TESORIN can keep CAD and INR contexts separate while still presenting them within one financial picture.

## For users elsewhere in the world

The main TESORIN experience is not restricted to Canada or India.

Users in other countries can use their selected local currency for:

- Wallet and cash-flow tracking
- Budgets and forecasts
- Net worth
- Investments
- Goals
- Debt planning
- Insurance planning
- Retirement projections
- Annual reports
- General financial calculators

Country-specific tax modules are hidden when they are not relevant, rather than forcing Canadian or Indian assumptions onto every user.

## Privacy and control

TESORIN is designed to be **local-first**.

It does not require users to connect a bank account or provide banking passwords. Users choose which financial records they want to add.

Other privacy features include:

- An encrypted local financial database
- App Lock using the device’s existing authentication
- Optional password-encrypted backup
- iCloud backup on iOS and Google Drive backup on Android
- Privacy controls for analytics, diagnostics, and AI
- The ability to inspect and clear local records through Data Vault
- Analytics and crash diagnostics disabled by default

**Ask TESORIN** also has two distinct modes:

- **Personal mode** uses financial information available on the device to answer questions about the user’s own situation.
- **General mode** handles broader financial questions online without attaching balances, transactions, holdings, or other personal financial records.

Examples include:

> Where is my money going?

> What changed this month?

> How are my goals progressing?

> What should I pay attention to?

On iOS, TESORIN also supports Siri expense entry, App Lock, encrypted iCloud backup, and an optional Live Activity for monthly spending.

## Availability

**iOS:**
https://apps.apple.com/app/id6790928779

**Android:**
https://play.google.com/store/apps/details?id=com.trytesorin.tesorin

**Website:**
https://www.trytesorin.com

I would appreciate honest feedback:

**Does TESORIN look meaningfully different from a standard budgeting or expense-tracking app? Which part would be most useful to you, and what still feels unclear?**

## Transparency

**Privacy Policy:**
https://www.trytesorin.com/privacy.html

**Terms of Service:**
https://www.trytesorin.com/terms.html

**Data Safety:**
https://www.trytesorin.com/data-safety.html

**Financial Disclaimer:**
https://www.trytesorin.com/financial-disclaimer.html

For years, my financial life was split across bank apps, spreadsheets, investment accounts, tax notes, and mental math.

The problem was not just tracking spending.

It was that nothing gave me one calm view of:

- what I own
- what I owe
- where cash is going
- how my net worth is changing
- what I’m planning for next
- how Canada / India / cross-border decisions affect the bigger picture

So I started building TESORIN — a local-first personal finance app focused on budgeting, wallet tracking, net worth, investments, and long-term planning.

The main idea is simple:

Your financial app should help you understand your money without immediately asking for your bank credentials.

TESORIN does not connect to bank accounts right now.
It does not ask for banking passwords.
It is designed around manual, private tracking first — with optional backup and privacy mode.

The app is built for people who want a more complete picture than a basic expense tracker, especially if they are managing:

- Canada-based finances
- India-based finances
- cross-border family planning
- investments
- net worth
- recurring obligations
- long-term goals

What I’m trying to make different:

1. Budgeting and net worth are connected

Most apps treat spending and net worth like separate worlds.

TESORIN is designed so wallet activity, assets, liabilities, investments, and planning all point toward one financial picture.

2. Local-first by default

The app is built around the idea that personal financial data should stay under the user’s control.

I want the app to feel useful even before any online service is involved.

3. Privacy mode

Because finance apps are often opened in public places, TESORIN has a privacy mode that hides financial amounts while keeping the app usable.

4. Canada + India context

A lot of personal finance tools feel built for only one country.

TESORIN is being shaped around Canada, India, and people who think across both: CAD/INR, family obligations, remittance-style planning, investments, retirement, and long-term goals.

5. Calm design

I do not want it to feel like a trading app, a noisy dashboard, or a spreadsheet with cards.

The goal is a private financial workspace: calm, precise, and trustworthy.

I’m currently preparing the app for testing / launch and I’d like feedback before I lock the next version.

Two things I’d really appreciate opinions on:

1. Features

What would you absolutely need before trusting a tool like this as your main finance app?

For example:

- bank sync
- manual import
- better charts
- investment tracking
- tax planning
- recurring transactions
- family obligations
- net worth history
- export / backup
- privacy controls

2. Pricing

For a finance app that combines budgeting + wallet + net worth + investments + planning, what pricing model feels fair?

- monthly subscription
- annual subscription
- one-time purchase
- free core app + paid planning tools
- paid backup / advanced insights only

I care less about picking the highest number and more about understanding how people think about paying for finance tools.

Website : Tesorin