Can I afford this without hurting my plans?
Check a purchase against available cash, bills and savings goals.
Affordability check →Private finance, built for real life
Know what your money can do next.
Balanzo turns your everyday finances into confident next steps. Understand the month, scan receipts, plan goals, split costs and ask better money questions, without handing over your bank account.
No bank connectionEncrypted local vaultEnglish and German
BALANZOJEGood morningYour month at a glance
Available this month1.248,50 €
Spent851 €
Bills1.459 €
Goals2 active
✦
Your next move
Set aside €95 this week and keep every upcoming bill covered.
↗
Dining is easing
You spent 12% less than last month.
▣ Receipt intelligence
REWE · 18,49 €
5 items recognized locally
Haferdrink 2,29 €Tomaten 3,49 €SUMME 18,49 €
✦ ASK BALANZO
“Can I afford a €650 bike?”
Calculated first. Explained clearly.
The questions that matter
A money app should help you decide, not just report.
Balanzo connects your numbers, plans and everyday choices so each screen leads somewhere useful.
What should I focus on this month?
Turn the month into one practical priority, not another dashboard.
Monthly focus →Where is my money quietly disappearing?
See spending patterns, subscriptions and upcoming commitments together.
Money insights →One connected product
From receipt to decision, without losing the thread.
Explore how the core experiences work together.
Financial Manager
See what is available before you spend it.
Balanzo combines income, recurring outflow, bills, loans and goals into a usable monthly picture.
July overview
1.248,50 €
Monthly income4.200,00 €
Fixed commitments1.674,25 €
Planned savings420,00 €
Available now1.248,50 €
Receipt intelligence
A corrected receipt becomes useful financial history.
VisionKit or ML Kit detects edges and corrects perspective. Then on-device OCR reads merchant, SUMME, line items, quantities and prices for your review.
REWEBERLIN · 24.07.2026
HAFERDRINK2,29
TOMATEN3,49
BROT2,79
JOGHURT 2X3,98
SUMME18,49 €
Ask Balanzo
The answer sounds natural. The numbers do not come from guesswork.
Balanzo calculates affordability, loans, salary and tax with exact engines. Optional online AI explains the result only after your consent.
Can I afford a €650 bike?
Yes, with a tighter buffer. Your upcoming bills remain covered.
Balanzo purchase check
Available1.248,50 €
After purchase598,50 €
Everything has a purpose
One finance companion. Six connected strengths.
The complete month
Income, available cash, spending, bills, loans and goals finally live in one understandable picture.
Your financial homeReceipt intelligence
Scan, correct, recognize and review every relevant line without sending the receipt to a cloud OCR service.
VisionKit + ML KitPlans that stay connected
Savings goals, spending limits, subscriptions, bills, loans and planned purchases share the same monthly context.
Plan, then actShared money without confusion
Organize trips, household costs, fair splits and payment requests while keeping personal finances private.
Trips and householdsAsk Balanzo
Ask natural questions. Exact figures come from Balanzo engines. Optional AI makes the result easier to understand.
Math before AIGerman finance, explained
Gross-to-net, tax classes I–VI, church tax, social insurance, loans, VAT and annual Tax Prep in English and German.
Dynamic 2025/2026 valuesBuilt for Germany
Understand your salary, tax and social contributions.
Balanzo brings German payroll rules into a clear English and German experience, with dynamic 2025/2026 values and explanations that say what each number means.
BRUTTO-NETTO 2026Monthly salary estimate
3.164,28 €TAX CLASSES I–VIPlain English and German glossary
I–VISOCIAL INSURANCEHealth, care, pension and unemployment
2025/26TAX PREPAnnual planning, evidence and allowances
§32aPrivacy is product design
Useful without demanding your entire financial life.
Balanzo starts local. You choose what to enter, what to scan and whether online AI may receive a minimized summary for a specific question.
Encrypted local vault
Your personal finance records stay in private app storage on your device.
Receipt images stay local
Corrected scans and raw OCR are not sent to Hostinger, Gemini or a cloud OCR service.
Online AI is optional
It activates only after clear consent and receives only the context allowed for that question.
No bank connection required
Balanzo does not move money, sell loans or require banking credentials.
FAQ
Clear answers before you start.
No vague promises about data, AI or financial advice.
Do I need to connect my bank account?
No. Balanzo works without a bank connection. You choose which information to add for planning.
Are receipt images or OCR text uploaded?
No. The native scanner corrects the receipt and OCR runs on your device. The image and raw recognized text stay local.
Does AI calculate my tax or affordability?
No. Exact financial results come from deterministic Balanzo engines. Optional AI can explain an already calculated result.
Does Balanzo file a tax return?
No. Tax Prep organizes information and provides planning estimates. It does not submit to ELSTER or replace professional tax advice.
Is Balanzo a bank, lender or investment service?
No. Balanzo does not hold money, execute transactions, broker loans or sell investments.
When can I download Balanzo?
Balanzo is being prepared for iPhone and Android. Email support@balanzo.de for early access.
Make the next money decision with clarity.
Balanzo is being prepared for iPhone and Android.
●Coming to theApp Store▶Coming toGoogle Play