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Debts
How to apply the Snowball Method
Learn the most effective psychological strategy to pay off your loans fast.
100% Private & Local 🔒
Regain control of your financial life
Manage your money without complications, without boring spreadsheets, and with maximum privacy. Track income, control expenses, follow your investments, and pay off your debts all in one place.
★★★★★ 5/5 excellent user rating
Feel like your money is just vanishing? 💸
Leave uncertainty behind. Totem Finance is your personal financial command center, designed to be intuitive, powerful, and 100% secure. Finally discover where your money goes by tracking expenses in seconds.
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100% Private
Local and encrypted database. We don't ask for bank access. Your money, your data.
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Expense Control
Intuitive charts and instant tracking. Categorize everything easily.
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Net Worth
Monitor bank accounts, cryptocurrencies, stocks, and real estate.
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Planning
Set real savings goals and track your recurring bills on time.
Want to know everything you can do?
Financial calculators, smart assistant, flexible budgets, debt management, travel mode, multi-profile, and much more.
Discover all features →🛡️
Your Privacy Comes First
In a world where your data is sold to the highest bidder, Totem Finance is a safe haven. The database is local and encrypted. Lock access with biometrics and sleep peacefully knowing that not even we can see your numbers.
Verified by Google
Transparency & 100% Free
We believe that financial education and control should be accessible to everyone. All core features, calculators, and advanced tools in Totem Finance are completely free. The app is kept in continuous development through the inclusion of discreet ads that do not interrupt your workflow.
What people who already have control say
★★★★★
"I had been using complex Excel sheets for years. This app has the best of both worlds: total privacy and the snowball method built in. A marvel."
- Carlos M.
★★★★★
"Finally an app that doesn't ask me to connect my bank accounts. The mortgage calculators saved me when buying my house."
- Laura G.
★★★★★
"The dashboard is super intuitive. I love being able to add my own categories and see in the pie chart where I'm spending my salary."
- David P.
Already using Totem? Tell us
Your feedback helps us improve. Send your suggestions directly to the developer.
Frequently Asked Questions
We answer the most important questions before you download the app.
Do I need to connect my bank account? +
No. Absolutely not. Totem Finance is designed to give you manual and independent control of your finances. We don't ask for bank passwords nor connect to your bank, ensuring 100% security.
Where is my data stored? +
Your data is stored exclusively in a local encrypted database inside your mobile phone. Neither we nor any third party has access to it.
What happens if I lose my mobile phone? +
Since it's a 100% private app, we cannot recover your data if you lose your phone. To avoid scares, we strongly recommend backing up manually or enabling Google Drive Backups in the app's settings.
Financial Education
Learn to manage your money like a pro.
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