Totem Finance icon
Totem Finance icon

Totem Finance

Totem Finance is the ultimate tool to take back control of your money without compromising your privacy. Unlike most finance apps, Totem does not force you to connect your bank accounts or store your sensitive financial data on third-party servers.

Totem Finance screenshot 1
Totem Finance screenshot 2
+4
Totem Finance screenshot 3

Cost / License

  • Free
  • Proprietary

Application type

Platforms

  • Android
Alternatives  
1like
51alternatives
0articles

Features

Properties

  1.  Privacy focused

Features

  1.  Cash Flow Analysis
  2.  Support for multiple currencies
  3.  No registration required
  4.  Dark Mode
  5.  Works Offline
  6.  Recurring Billing
  7.  Currency Conversion
  8.  Cloud Sync
  9.  Goal Tracking
  10.  Multiple Account support
  11.  Import CSV Data

 Tags

Totem Finance News & Activities

Highlights All activities

Recent activities

  • elixin2 reviewed Totem Finance  

    Finally an app that doesn't force me to link my bank accounts! I've looking for a true offline alternative to YNAB for months. It's clean, fast and does exactly what it says. Highly recommended if you value keeping your financial data private on your own phone

  • elixin2 liked Totem Finance
  • alejandroelix added Totem Finance
  • Sure icon
    alejandroelix added Totem Finance as alternative to Sure, MoneyManager Ex, Actual Budget and HomeBank + 51 similar activities

Totem Finance information

Our users have written 1 comments and reviews about Totem Finance, and it has gotten 1 likes

Totem Finance was added to AlternativeTo by alejandroelix on and this page was last updated .

Comments and Reviews

   
Elix AloBar
0

Finally an app that doesn't force me to link my bank accounts! I've looking for a true offline alternative to YNAB for months. It's clean, fast and does exactly what it says. Highly recommended if you value keeping your financial data private on your own phone

Review from a new or low-activity account — shown here, but not counted in the app rating.

Official Links

AppStores & Other Links

Download from Google Play Store

What is Totem Finance?

Totem Finance is the ultimate tool to take back control of your money without compromising your privacy. Unlike most finance apps, Totem does not force you to connect your bank accounts or store your sensitive financial data on third-party servers. Your database is strictly local and stays only on your device (Offline-first).

Key Features:

  • Absolute Privacy: 100% offline. No bank syncing, no trackers, no data selling.
  • Advanced Calculators: Includes a native Mortgage Simulator (French Amortization System), FIRE (Financial Independence) calculator, and compound interest tools.
  • Social Debt Manager: Keep track of who owes you money (or who you owe) with partial payment history.
  • Visual Analytics: Understand your spending habits with clean, interactive charts and categorizations.
  • Budgeting: Set monthly limits and track your progress to reach your financial goals.

Designed by an indie developer for those who want professional-grade financial tools while keeping their data strictly to themselves.