fin.taxi

What It Is

FinTaxi is a self-hosted finance and tax automation app built for the German banking system. It is positioned as a personal finance management tool rather than a general-purpose business finance SaaS. Its emphasis is on being “local, encrypted, and cloud-free,” with data processed and stored on the user’s own device. The text clearly states that the software is still under development and is not open source.

Core Features

Its core use case is German personal finance: connecting to German banks via PSD2/Open Banking, automatically importing transactions, automatically categorizing them, and providing USt/VAT calculations. It also supports DATEV import, making downstream tax or accounting workflows easier. FinTaxi can identify recurring payments and subscriptions, and provides statistical views such as cash flow, savings rate, income, and expenses. Client options include an Electron desktop app and browser access, with offline use supported.

Pricing and Licensing

The captured content does not disclose plans, pricing, a free tier, or trial policy. The terms of use state that users receive a limited, non-transferable, revocable license for personal use; commercial use requires a separate license. The source code remains owned by the operator, and users may not copy, decompile, modify, or distribute it.

Security and Compliance

FinTaxi’s main selling point is privacy and local-first operation: no cloud sync and no telemetry. The provider claims it cannot access user data because data is never uploaded. The database uses SQLCipher AES-256 encryption. Bank connections are implemented through certified PSD2 interfaces, and the text mentions Enable Banking and GoCardless. Note that users are responsible for installing, running, and backing up their local instance, securing their device, and protecting API keys and banking credentials.

Pros, Cons, and Who It’s For

Its strengths are a focused fit for German banking and DATEV workflows, plus a clear privacy-oriented design. It is suitable for individual users in Germany who do not want to hand over financial data to a cloud service. Downsides include its still-in-development status and uncertain maturity; missing information on pricing, support channels, and update policy; and the fact that tax classification and calculations are for reference only and cannot replace a tax advisor. For users who need team collaboration, permission management, multi-company accounting, or cloud-based enterprise workflows, the available text does not show that FinTaxi offers these capabilities.

Access from China and Alternatives

Access from China cannot be determined from the text, and payment methods are not disclosed. Because its functionality heavily depends on German banking PSD2 and DATEV, it has limited practical value for users in mainland China. Alternatives to consider include MoneyMoney, WISO Mein Geld, Lexoffice, and sevDesk. If you prefer self-hosted budgeting, you can also compare Actual Budget or Firefly III.