Plan the whole month ahead.

Fintraq forecasts every account to month end and shows what you can still spend today.

Version 1.0 is rolling out to Google Play and the App Store.

Fintraq home screen with the available amount and budget overview

Fintraq month plan screen with charges, incoming payments, and balance

Ships in English and German.

See the whole month before it happens.

Fintraq lays out the month up front: every charge, every incoming payment, and the balance each account lands on.

Available today. The amount you can still spend, recalculated as the month moves.
Account trajectory. A chart per account with the overdraft limit and a marker for today, projected into the following months.
Action center. Open steps such as transfers, extra repayment suggestions, and goal deposits, each with status and due date.

Auto transfers between accounts can stay off, arrive as suggestions, or run automatically. A balance check compares the plan with the actual account balance.

Fintraq month plan screen with monthly charges, incoming payments, and the account trajectory chart

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.

Record expense dialog with amount buttons, budget tiles, and account selection

Quick capture

Log an expense in seconds. Amount chips for 5, 10, 20, and 50, and budget tiles that show what is left before you save.

Savings goals with three scenarios

Each goal gets a high, medium, and low plan, a comparison chart, and a recommendation marked Affordable when it fits your month. Goals are flagged as reachable, warning, or unreachable.

Loans

Remaining debt, interest rate, monthly payment, and the percent paid off. Extra repayments can be manual, suggested, or automatic.

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 such as the last or next-to-last day, with bonuses on top.

Your numbers stay on your phone.

Fintraq computes everything locally. No user account, no bank connection, no server holding your data, no analytics.

Nothing to sign up for. Install the app, enter your numbers, start planning.
Notifications for debits, incoming payments, loan payments, goals, and account limits are scheduled on the device.
Backup and restore is one local JSON file that you keep yourself.

The full details are in the privacy policy.