Fintraq

Fintraq is your forward-looking finance planner for everyday life.

Most money apps are a rear-view mirror: they show you what you spent last month. But the real question comes earlier — will it last until payday? Can I afford this right now? What happens when that new installment kicks in?

Fintraq answers exactly those questions. Set up your key numbers once — income, fixed costs, budgets, loans, goals — and from then on you see how your balances develop over the coming days, weeks and months. No receipt logging, no spreadsheet. A plan that thinks ahead with you.

FEATURES

Your month, before it happens
• Forecast your balances months into the future
• Spot tight spots while you can still do something about them
• See when you are likely to be back in the black
• A clear warning when an account is forecast to break its limit

Every change shows its consequences (Plus)
New installment, higher rent, a raise: the moment you save, you see what it actually means — how much monthly breathing room you gain or lose, when you become debt-free, and how much interest the decision costs or saves you.

Budgets you will actually use
• Budgets for groceries, leisure, transport and more
• Log an expense in seconds
• Always visible: how much is left this month?

Every account in one picture
• Checking, cash, credit card and other accounts
• Overdraft limits and interest are part of the maths
• Your real breathing room, not just a balance

Pay down debt with a plan
• Track loans, installments, interest rates and terms
• See when each debt is likely to be cleared
• Plan extra repayments and see the interest you save
• Loan calculator (Plus): run the numbers before you sign — term, total interest, monthly payment. Check whether refinancing an existing loan pays off, then apply the result to your plan with one tap.

Goals that stay realistic
• Savings goals with a target amount and date
• An honest answer on whether your goal is reachable — and what is missing
• Reserves for everything you know is coming

Buy now, pay later — under control (Plus)
Klarna, PayPal, invoices, installments: what you order today hits your account in 30 days, usually alongside everything else. Fintraq schedules the due date in the right month automatically, shows every open purchase at a glance and reminds you in time.

Reminders that matter
• Fixed costs, salary, installments and budgets
• An early heads-up before things get tight
• So no direct debit catches you off guard

Understand where it all went (Plus)
• Month by month: income, spending, balance and interest
• Your biggest spending blocks, clearly broken down
• What loans and overdrafts have really cost you
• Export as CSV or report

Your financial planning stays with you
• No account, no sign-up
• No forced cloud
• Your financial entries live locally on your device
• Back up and restore with a single file

Fintraq is for people who do not want to work out at the end of the month where the money went — but want to know at the start how the month will go.

Plan your month, keep your debt visible and reach your goals with more clarity.

Features marked (Plus) are part of Fintraq Plus, the optional subscription. Everything else stays usable without a subscription.