Four things a subscription company is not allowed to offer you.
Not “hasn’t got around to.” Structurally cannot — because each one takes away the leverage their revenue depends on. We can offer them because we sell you a file and then leave you alone.
Your books never leave your machine
No account, no upload, no sync, no company holding your ledger. The file is on your computer and nowhere else — we could not look at your numbers if we wanted to.
Stop paying and nothing stops working
When your edition window ends, the app opens, the reports run, the exports export — forever. Renewing buys you new quarterly editions, never continued access to your own work.
Every set of books, one price
Five companies, a nonprofit, three rentals, the household — same licence, same screen, consolidated or one at a time. No counter, no seats, no upgrade prompt.
The AI is yours, not rented from us
Funance runs on your own Claude key. You set the spend, you own the relationship, and no feature sits behind a higher tier because the intelligence was never ours to ration.
And underneath all of it: a number.
Funance is built on the Divinity Rule — Lund Studio’s design methodology, governed by φ = 1.618. Nothing on this screen is a round number chosen by eye. Type sizes climb the golden ratio. Every margin, gap, and click target is a Fibonacci step — 8, 13, 21, 34, 55, 89. The mark itself is the golden rectangle subdividing into its own spiral.
Here’s the honest part: proportion doesn’t make your numbers more accurate. Arithmetic is arithmetic. What it does is make an instrument you can sit inside for three hours at quarter-close without your eyes burning or your attention sliding — the same reason a well-proportioned room feels calm and a badly proportioned one doesn’t. Competitors add features. We proportion the thing you have to look at.
Every room.
Take the whole app for five minutes: drop a real file, walk every room — Invoices & Bills, Portfolio, Scenarios, Tax, the Monthly Pack, the Desk, Connections — and watch the term end. Every line you entered stays.
No card on file, nothing auto-renews. Five minutes is five minutes from the moment the key is issued; take another whenever you like. No per-entity fee on any tier.