All your money, finally in one place.
FinTrack brings your accounts, spending, subscriptions, budgets, goals and investments into one clear view — with an AI coach that reads your real numbers and proposes changes you approve.
Free to start. Connect your first account in about a minute.
Net worth
$128,540
▲ $2,310 this month
Spending by category
Cash available
$18,240
Spending (Jun)
$3,180
Savings rate
24%
Subscriptions
$86/mo
Dining feels high this month. What can I do?
You spent $612 on dining in June, against a 3-month average of $432 — about $180 over.
Most of it was five weekday lunches near your office. Two options:
- Cap dining at $450/mo, which is close to your average
- Leave it and trim $180 elsewhere
Needs your approval
Change a budget amount
Dining budget → $450.00
Live demo — try the range pills, the donut, and the Apply button.
Connect once. Decide from then on.
No spreadsheets, no manual entry, and no AI quietly changing things behind your back.
- 01
Connect once
Link banks, cards and brokerages through Plaid in about a minute, import a CSV, or add accounts by hand. Credentials never touch our servers.
- 02
It sorts itself out
Transactions are categorised automatically, subscriptions and quiet price hikes get surfaced, and your net worth starts tracking from day one.
- 03
The coach proposes
Ask anything about your money. The coach reads your real numbers and suggests concrete changes — a budget cap, a recategorisation, a rule.
- 04
You decide
Every change it proposes arrives as a diff with an Apply button. Nothing touches your data until you say so.
Everything your money touches, covered
One focused workspace instead of a tracker, a budgeter, a subscription canceller and a portfolio watcher.
A coach that can actually do things
Not a chatbot that describes your spending. It looks up real transactions, then proposes changes you approve with one click.
Subscription & bill radar
Finds recurring charges, free-trial conversions and quiet price rises — with the merchant's own pricing page cited as evidence.
Budgets and goals that keep up
Category budgets with rollover, savings and payoff goals with pace tracking, and warnings while there's still time to act.
Books that actually close
Business and personal kept apart, categories mapped to Schedule C lines, and a worksheet that halves meals because the tax code does.
World Radar
A daily global markets and news brief, cross-referenced against your actual portfolio: what today means for your money.
Reports & net worth
Cash-flow statements, category trends, spending heatmaps and a net-worth history that updates itself every day.
Built like a bank, feels like an app
Your credentials never touch FinTrack — bank connections go through Plaid, the same infrastructure major financial apps use. Sensitive data is encrypted with AES-256, sessions time out when you step away, and the AI is grounded only in your own data.
- Bank connections through Plaid — read-only access
- AES-256-GCM encryption for tokens and account numbers
- Automatic sign-out after inactivity
- Your data is exportable and deletable — no lock-in
- Every AI feature is opt-in and can be switched off