Enyo

Tekniche

In-app purchases

About this app

Take control of your money — privately.

Enyo is an all-in-one personal finance app that helps you budget, track spending, pay off debt and reach your goals — without handing your financial life to the cloud. Your data lives on your device, not on someone else's server. No bank logins. No ads. No selling your data. Ever.

Most finance apps ask you to connect your bank and hope you trust them. Enyo takes the opposite approach: you stay in control. Add accounts manually or import PDF statements that are read right on your phone — then turn on optional sync only if you want it.

📊 BUDGETS THAT FIT YOUR LIFE
• Monthly budgets with rollover and annual lump-sum planning
• Track income, recurring expenses and subscriptions in one place
• See exactly where your money goes with clear reports

💳 GET OUT OF DEBT FASTER
• Track every loan, card and line of credit
• See payoff timelines and interest with smart debt tools
• Build a plan and watch your balances fall

🎯 PLAN AHEAD WITH CONFIDENCE
• Set savings and project goals and track your progress
• Model "what-if" scenarios before you make a big decision
• Manage investments and rental properties too

🤖 PRIVATE AI INSIGHTS
• Ask Enyo's AI advisor about your finances in plain language
• Runs on-device or with your own AI key — your numbers are never sent to us
• Choose Claude, ChatGPT, Gemini and more, or stay fully offline

🔒 PRIVACY & SECURITY BY DESIGN
• Your financial data stays on your device by default
• Optional encrypted cloud sync across your devices
• Biometric and PIN app lock
• Encrypted backups that only you can open
• Delete your account and all your data anytime, right from the app

🌍 BUILT FOR THE REAL WORLD
• Multi-currency with primary and secondary currencies
• Works fully offline
• Fast, private, and yours

Start with a 30-day free trial, then keep full access with an Enyo subscription.

Enyo — your money, your data, your device.

What’s new

Full dark mode across the app. Transactions are now filed against budget lines, with an Others option. Cleaner descriptions when importing PDF bank statements, and imported transactions can be edited or split. New weekly insights and a budget chat on the home screen. Fixes to multi-currency totals.