Lava Money is a local-first personal finance app designed to help people understand and manage their finances while keeping control of their data. Available for iOS and Android, it brings net worth, budgets, spending trends, accounts, and recurring charges together in one place. Users can connect a bank for automatic syncing or manage accounts manually by adding details and importing a CSV file; bank-linking is optional, not required.

The app keeps financial data on the user’s device, with no account required and nothing uploaded unless the user chooses to export it. Data can be exported in JSON or CSV format. Lava Money also displays the sync status of linked accounts, helping users spot stale or failed connections, and detects recurring subscriptions, bills, and potentially lapsed charges from transaction history. Its rules-based transaction categorization includes a plain-language explanation for each suggestion. A browser-based demo is available without signup, and the product is currently in private beta with a waitlist for early access.