Planning ahead

The month plan calculates every account for the coming months — including fixed costs, loan payments and planned reserves.

02

One clear figure

Fintraq condenses the plan into the amount you can spend today without putting your goals at risk.

03

A system, not separate lists

Budgets, fixed costs, loans and reserves work into each other. Contradictions in the plan show up immediately.

04

Data stays local

Fintraq works without a user account, without a bank connection and without a server. All data lives on your device.

Every moving part of your money.

Budgets are only the start. Fintraq models accounts, loans, fixed costs and goals with the rules they really follow.

Accounts

Bank, cash and credit card. Each account knows its overdraft limit, overdraft interest p.a. and credit interest p.a., 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 payday logic, with bonuses on top.

Debt with a plan

Remaining debt, interest rate, monthly payment and when each loan is due to be paid off. Extra repayments can be manual, suggested or automatic.

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.

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.

Action center

Open steps such as transfers, extra repayment suggestions and goal deposits, each with status and due date.

Free to plan with. Plus if you want more.

The whole month plan is free, with no caps on how many accounts, budgets, fixed costs, loans or reserves you create. Fintraq Plus adds exactly five things.

Free

Everything you need to plan a month

Month plan, forecast and the amount available today.
Accounts with overdraft rules, budgets, fixed costs, income and loans.
Reserves, expense capture, the action center and local reminders.
Backup and restore to a file you keep yourself.

Funded by occasional full-screen ads shown between tasks — capped at three per session and eight per day, with at least five minutes in between.

Fintraq Plus

Five additions, and no ads

Loan calculator. Run the numbers on a new loan before you sign, 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 in 30 days. Log invoice and instalment 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 advertising.

Monthly or yearly, with a 7-day free trial on the yearly plan. The current price for your country is shown in the app before you buy.

Plus is available on Google Play today. On iOS it arrives with the next App Store update.

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.
Notifications for debits, incoming payments, loan payments, reserves and account limits are scheduled on the device.
Backup and restore is one local file that you keep yourself.
The free version shows ads through Google AdMob, the one component that talks to the internet. In the EU you are asked for consent first, and a Plus subscription switches it off entirely.
Buying Plus runs through your existing 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.