FintraqMoney planner · iPhone, iPad & AndroidReal life.
Real numbers.
Your bank app shows what was. Fintraq shows what’s coming.
Accounts, fixed costs, loans and savings goals in one plan that looks months ahead. See what you can spend today and where every account lands at month end.
Free, no bank login, nothing to sign up for. Fintraq Plus is optional.
Five moments, one plan.
From the video. Swipe on.
Example figures. Simulation and the loan calculator are part of Fintraq Plus.
How you plan
See what’s coming.
Paydays, bills and loan payments,
day by day and months ahead.
Shortfall spotted early
Spot shortfalls. Act sooner.
Today’s balance is just the starting point. The month plan forecasts every account day by day, including fixed costs, loan payments and planned reserves. So you see months ahead when money could get tight before your next income arrives.
One clear figure for today
Fintraq condenses your plan into the amount you can spend today without putting your goals at risk. Below it is what needs doing: due transfers, extra repayments, reserves and the month close, in color with their date. One tap confirms.
Budgets that look ahead
Not just what’s gone, but where your month is heading. The forecast shows early whether your monthly limit will last, and every budget tells you what is left.
Reserves, not just goals
Set money aside as a goal with a target date, or as a buffer that keeps refilling to a cap. Fintraq tells you plainly whether a reserve is fundable, and can save less in tight months so your account limits hold.
Debt with a plan
Remaining debt, interest rate, monthly payment and when each loan is due to be paid off. The amortization schedule lists every payment with its date and the balance after it. Extra repayments can be manual, suggested or planned automatically to fit your headroom.
Every moving part of your money
With the rules your money really follows.
Accounts
Bank, cash and credit card. Each account knows its overdraft limit, overdraft interest and credit interest, and warns before you hit the limit.
Fixed costs and income
Schedule rules that match real contracts: monthly, yearly, one-off, even the second Friday. Income follows your payday, with bonuses on top.
Credit lines and cards
Credit lines with a limit and a minimum payment, interest calculated daily. On credit cards with a grace period, purchases stay interest-free until the due date, and Fintraq schedules the payment.
Borrowed and lent
Plan money you have borrowed or lent with installments, deadlines and interest, and edit any entry in the history.
Month close
At the end of the month you compare your balances with your bank. If one differs, you assign the difference to bookings.
Quick capture
Amount chips for 5, 10, 20 and 50, then tap the budget or reserve the expense comes out of. Each tile shows what is left before you save.
Reminders
Notifications for debits, incoming payments, loan payments, reserves and account limits are scheduled right on your device.
Backup as a file
Back up your plan to a file you keep yourself, and share it wherever you like. Restoring works the same way.
Fintraq Plus
Simulate first. Decide next.
Two tools for big decisions,
in the optional Plus subscription.
See the effect, then apply
What if you paid more off your loan?
Try changes to income, recurring expenses, budgets, loans and account balances. Compare the impact on your monthly headroom, future balances and debt-free date. Then apply only the changes you want to keep.
Will this loan fit your plan?
Check the payment, term, total interest and total cost before you sign. Fintraq shows the buffer left in your monthly plan, compares the offers you have saved, checks whether refinancing pays off and adds the right loan to your plan with one tap.
Free and Plus
Free to plan. More with Plus.
The whole month plan is free, with no caps on how many accounts, budgets, fixed costs, loans or reserves you create. Fintraq Plus adds five tools and removes the ads.
Free
Everything you need to plan your month
- Month plan, account trend and the amount available today
- Accounts with overdraft rules, budgets with forecasts, fixed costs and income
- Loans with an amortization schedule and extra repayments, credit lines, credit cards, money borrowed and lent
- Reserves, expense capture, “To do” and the month close
- Reminders on your device and backup to a file
Funded by occasional full-screen ads shown between tasks: at most three per session and eight per day, with at least five minutes in between.
Fintraq Plus PLUS
A monthly or yearly subscription
- Simulation. Try changes to income, expenses, loan payments, extra repayments and overdraft limits before you apply anything.
- Loan calculator. Run the numbers on a new loan, compare offers and check whether refinancing pays off.
- Before and after. Save a change and see immediately what it does to your headroom, payoff date and interest.
- Pay later. Log invoice and installment purchases so they land in the month they are actually due.
- Full analysis. Month-by-month history, where your money goes, what debt really costs, plus CSV or report export.
- No ads.
The yearly plan starts with a 7-day free trial the first time you subscribe. The price for your country is shown in the app before you buy. Plus is available on the App Store and Google Play.
Privacy
Your numbers stay on your phone.
Fintraq computes everything locally. There is no Fintraq account, no bank connection, and no server of mine that ever receives your financial data.
- Nothing to sign up for. Install the app, enter your numbers, start planning.
- Every reminder is scheduled by the app on your device, not on a server.
- Your backup is a file that you keep yourself.
- Only usage counters reach my server, such as which areas were opened. Never amounts, names or balances. You can switch them off in the app.
- The free version shows ads through Google AdMob. In the EU you are asked for consent first, and a Plus subscription switches the ads off entirely.
- Buying Plus runs through your App Store or Google Play account. Fintraq never sees your payment details.
The full details are in the privacy policy and the terms of use.
Fintraq is a planning tool, not financial or investment advice. Forecasts and calculations are based on the information you enter, and every bank calculates interest a little differently. All figures in the pictures are example figures.
Help
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