Forbidden FinanceWhy It’s Called 403 Finance: The Meaning Behind Forbidden Finance
403 Finance comes from 403 Forbidden. The name reflects exactly what we wanted this app to reject: budgeting shame, rigid money rules, and creepy data-selling nonsense.
403 Finance, Inc.
Financial software that
keeps your data yours.
We build two products with one rule: your financial data is not the product. No ads and no data sales, for households and for banks alike.
For people & households
Forbidden Finance
A privacy-first budgeting app: eight budgeting methods, automatic bank sync, net-worth tracking, and a business model that never sells your data.
Explore Forbidden Finance
For banks & fintech developers
Transmute
A stateless API that converts SWIFT MT messages to and from ISO 20022. Message bodies are never persisted and never logged.
Explore TransmuteWhy we exist
In HTTP, 403 means Forbidden.
That's our answer to "who can see my money?"
Financial software has quietly settled on a business model where you are the product. We took the opposite bet: software funded by the people who use it. Forbidden Finance never sells or shares your transactions. Transmute never even stores the messages it converts. Different products, same principle: your financial data returns 403 to everyone but you.
Subscription-funded
We make money when you pay for software. No ads, no data sales, no "anonymized" analytics packages.
Engineered for privacy
Forbidden Finance isolates and encrypts your data at the database layer. Transmute goes further and simply never stores what it converts. Privacy is the default architecture, not a premium add-on.
Boring on purpose
Proven technology, honest pricing published in full, and reliability over hype cycles.
From the Blog
Money, plumbing, and everything between.
Featured
Why We Built Forbidden Finance: A Personal Finance App That Doesn’t Shame You
Most budgeting apps make money feel like detention. We built Forbidden Finance to make personal finance more flexible, more private, and a lot less miserable.
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Questions, press, or partnerships?
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