Private, local-first personal finance without third-party data sharing

Private, local-first personal finance without third-party data sharing targets a $9.6B = 48M paying users × $200 ACV total addressable market with medium saturation and a year-over-year growth rate of 10% annual growth estimated for personal finance apps and fintech consumer tools (source: industry reports and Statista estimates for consumer fintech app adoption).

Key trends driving demand: Consumer privacy awareness is increasing — users are actively searching for products that limit third-party access to financial data.; Regulatory pressure and data-protection laws are encouraging alternatives to credential-sharing aggregators, creating demand for privacy-first solutions.; Edge and client-side compute improvements make local-first encryption and offline analytics viable on mobile and desktop, enabling rich features without central data access.; Open banking APIs and bank-supported tokenization in some regions reduce the need for credential scraping and enable safer, user-controlled aggregation..