Zumfi Finance
Your private financial dashboard — track banks, stocks, ETF, and real estate in one place with AI-powered categorization and budget planning.
- Checking 5 different apps to see your complete financial picture?
- No idea how your investments across stocks, ETF, and savings actually perform?
- Worried about sharing your financial data with cloud apps that sell your information?
- Spending hours manually categorizing bank transactions every month?
One dashboard for everything
Zumfi Finance combines all your bank accounts, investments, and budgets into a single private dashboard. AI automatically categorizes transactions, tracks your portfolio, and monitors recurring bills — all running on your own hardware.
Complete financial control
Scroll through Zumfi Finance's AI-powered management tools.
Financial Health Dashboard
KPI cards, income vs expenses charts, spend forecasts, and anomaly detection — your complete financial overview at a glance.
AI-Powered Transaction Categorization
Smart 4-tier auto-categorization with filters, search, and category-based sorting across all your bank accounts.
Budgets, Savings Goals and a Month-Close Wizard
Per-category budgets with planned versus actual tracking, savings goals with an allocation wizard, and a month-close step that settles the month before you move on.
Stocks, ETFs, Savings and Property
Multi-currency savings, stock and ETF positions with gain and loss, plus property investments tracked by value over time. Conversion uses Czech National Bank daily rates.
Recurring Bills and Mortgage Tracking
Recurring payments are detected automatically, due dates are tracked, overdue bills get flagged, and mortgages are followed alongside them.
Multi-Bank Statement Import
A 4-step import taking CSV, Excel, PDF, Word, or even a photo of a statement. Raiffeisen, ČSOB, Fio and Revolut are detected automatically.
Preferences, Languages and Two-Factor Auth
Choose your currency and categories, switch between English, Czech and Ukrainian, sign in with Google, and turn on two-factor authentication.
Meet Zumi — Your AI Finance Companion
Zumi guides you through getting started and helps you make the most of your financial dashboard.
Up and running in minutes
git clone https://github.com/Simmak7/zumfi-finance.gitcp .env.example .env && nano .envdocker-compose up -d --buildWho this is for, and who it is not
You import your own statements instead of connecting your bank to a third party. That is the trade this product makes.
Built for you if
- The multi-account jugglerTwo banks, a broker, a savings account and a mortgage. You want one number for where you actually stand.
- The privacy-first saverYou will not connect your bank to a service that monetises the data. Importing statements yourself is a fair price for that.
- The Czech householdRaiffeisen, ČSOB, Fio and Revolut statements are parsed directly, and balances convert using the Czech National Bank daily rates.
- The self-hosterYou have a machine that runs Docker and you would rather own the database than rent a dashboard.
Look elsewhere if
- Anyone wanting automatic bank sync. There is no Plaid-style connection by design, so you import statements yourself.
- Businesses needing invoicing, payroll or double-entry bookkeeping. Use an accounting package.
- Day traders wanting live market data and order execution. Positions are tracked, not traded.
- Tax filing. It will show you the year, but it does not produce a return.
- People who want an app store download. This is self-hosted software with a Docker setup step.
Built with modern tools
Everything you need, nothing you don't.
Frontend
Backend
Frequently asked questions
Common questions about Zumfi Finance.
Yes. You import statements as CSV, Excel, PDF or Word, and you can even upload a photo of one. Each account is tracked separately and combined into a single dashboard showing your complete position.
Raiffeisen, ČSOB, Fio and Revolut have dedicated parsers that detect the format automatically, and there is a generic parser plus a Czech universal one for everything else, so any bank works as long as you can export a statement. Want yours parsed properly? Send us a sample with the sensitive parts redacted.
Never. The self-hosted version runs entirely on your hardware — no cloud sync, no third-party analytics, no data leaving your network. The future hosted version will also follow strict privacy principles with no data selling.
Basic familiarity with Docker is helpful, but the setup is straightforward: clone the repo, configure your .env file, and run docker-compose up. The entire stack starts with one command.
Yes, all three. The portfolio tracker covers multi-currency savings accounts, stock and ETF positions with gain and loss calculations, and property investments for a flat or a house tracked by value over time. Mortgages are tracked separately alongside recurring bills.
Yes. Accounts and holdings can be in different currencies, and conversion uses the Czech National Bank daily rates, cached locally. You pick the currency your totals are shown in.
English, Czech and Ukrainian.
Sign in with a password or Google, with optional two-factor authentication using any TOTP authenticator app. Sessions use JWTs with refresh tokens and a revocation list, and the whole thing runs on your hardware, so the security boundary is your network.
Email us a sample bank statement (with sensitive data redacted) at zumfi.net@gmail.com. We will configure our AI parser to support your bank format and include it in future releases.