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Know your net worth. Track it as it grows.

finko turns the statements from your banks, cards and investments into one clear picture. See your net worth today and what it takes to reach the goal you set.

Download for MacLaunching this December
  • Free trial
Net worthOn track

€103,284.62

Your net worthPath to your goal

Goal: €120,000 by 202886% achieved

+18% on last year

  • Current account€6,420.55
  • Savings€24,800.00
  • Investments€73,248.44
  • Credit card−€1,184.37

Example figures.

Net worth

Your net worth, and the way to your goal.

Add up what you own and what you owe, and watch the total year by year. Set a goal, and finko shows whether you are on track.

Follow your net worth year by year.

One chart shows every year so far and where you are heading, both at your current pace and at the pace your goal needs. You can see whether the gap is closing.

Close-up of the Net Worth Over Time chart: net worth rising since 2019, with two projections to 2031, one at the current rate and one at the rate the goal needs.

Check your vital signs at a glance.

finko checks vital signs such as your savings rate, your cash on hand and how many months it would last against targets you set. A check mark means that one is fine, so you only look at the rest.

Cash on hand: €68,140, against a target of €17,946, with a check mark.Data freshness: 2 days old, the oldest being the investments from 8 November, with a check mark.Runway: 22.8 months, against a target of 6 months, with a check mark.Savings rate: 38.8% over 12 months, against a target of 20%, with a check mark.

Find out what your investments have earned.

See how your money is spread across your funds and shares, what each holding is worth at its latest trade price, and your return on everything you put in.

Close-up of the allocation treemap: two world index funds make up 49% and 28% of the portfolio, and three single shares about 8% each.

Set a goal and see what it takes.

Choose an amount and a year. finko works out the growth you need, compares it with what you have achieved so far and tells you whether you are on track.

Close-up of the goal card: €250,000 by 2031, a required growth rate of 7.1% a year against a historical 21.5%, marked on track.

Features

Take control of your spending.

Bring in every bank, without a login.

Download a statement from each bank and card, and import it in seconds. finko sorts every payment into a category and learns with every import, and you can add rules of your own. Your bank password stays with you.

  • Supermarket

    Food & Groceries

    €84.20

  • Hotel

    Travel

    €195.39

    $212.00 at 1.0850

  • Interest

    Income

    +€12.40

On your computer

See where your money goes.

A flow chart follows your spending from each account into rent, groceries, travel and more. The monthly cash flow puts what came in next to what went out, so you can see what changed.

Close-up of the Financial Flow chart: €53,296.96 of spending flows from the bank account and the credit card into housing, food, entertainment, insurance, transport and more.

Stay within your budget.

Set a budget for each category and finko lets you know when you go over it. It also alerts you when your fixed costs rise or an investment falls further than you allow.

Close-up of the Category Breakdown: each category with what was spent, its budget and a bar for how much of it is used, such as Housing & Utilities at 82% with €3,396.24 left.

Catch what you pay every month.

finko finds the subscriptions and fixed costs in your statements and adds up what they cost you each month and each year. The ones you forgot about show up too, and you can add or remove any of them yourself.

Close-up of the Subscriptions card: €56.87 a month, 4 active.
Close-up of the Other fixed costs card: €1,572.18 a month, 7 active.
Close-up of the Subscriptions table: four monthly charges on the credit card, each found from 11 or 12 charges since December 2025.

And there is more.

Shared costs with a partner, German tax figures, alerts, accounts in other currencies and the rest. Every plan includes every feature.

Download for MacLaunching this DecemberSee all features

Privacy

Private by design, not by promise.

Your payments show where you shop, what you earn and who you pay. finko keeps them on your computer, in one file you can lock with a passphrase.

It stays on your computer.

Everything you import lives in one file on your computer, so there is no copy for anyone else to lose.

Your bank login stays yours.

Download a statement from your bank and import it. finko never connects to your bank, so it never needs your password.

Lock it with a passphrase.

Choose a passphrase, and finko scrambles your file with it. Anyone who copies the file sees only noise.

A no-tracking policy.

finko has no analytics and collects no usage data. The only tracking finko would ever allow is a dog following treats.

Pay once, then take it offline.

When your years of updates end, you can take finko fully offline. It never signs in again, and it keeps working on your computer.

No reports behind your back.

finko sends no crash reports. If you ask for help, you read the error report before you send it.

How finko protects your data

Pricing

Two ways to pay.

Subscribe, or pay once and keep the app. Both include every feature.

Subscribe

Monthly or yearly. New versions arrive as soon as they are released.

  • Monthly€30a month + VAT
  • Yearly · Recommended€300a year + VATSave 17%
Subscription ends.

New versions while you subscribeThen read-only

New versions
Every release, for as long as you subscribe
Try it first
14-day free trial. You need a card to start, and you pay nothing if you cancel before the first charge.
If you stop
Cancel at any time. Your plan runs until the end of the period you paid for.
When it ends
finko turns read-only, and you can still view and export everything
Updates and support
For as long as you subscribe

Pay once

Pay once and the app is yours. It keeps working after your years of updates end.

  • 1 year of updates€365once + VAT
  • 3 years of updates€750once + VAT
Updates end.

Updates for 1 or 3 yearsThen keeps working

New versions
Every release in your 1 or 3 years, and you keep them all
Try it first
30-day money-back guarantee
If you stop
Nothing to cancel, and no subscription fee, ever.
When it ends
The app keeps working, with no fee to pay
Updates and support
For your 1 or 3 years

Both include

  • All features
  • Works without a connection
  • Your data stays on your computer
  • Data encryption
  • Export data anytime
Download for MacLaunching this December

You choose your plan in the app. A card is needed to start, including the free trial.

FAQ

Common questions.

Do I need to give finko my bank login?

No. You download a statement from your bank’s website or app, usually as a CSV file, and import it into finko. An import takes seconds and runs on your computer.

Which banks and brokers does finko work with?

Any bank or broker that lets you download a statement as a CSV file. You match its columns once, and finko keeps them as a template. N26 and Trading212 are ready to use.

Where is my data stored?

In a single file on your computer. finko does not keep a copy anywhere else, and you can export your data at any time.

What if I forget my passphrase?

If you lock your file with a passphrase, only that passphrase opens it. finko cannot reset or recover it, so keep it in a password manager.

Do I need an internet connection?

Not day to day. finko works without a connection, and it goes online once every 30 days to check your plan.

Can I use finko on more than one computer?

An account works on one computer at a time. To move, export everything to one file and restore it on the new computer.

Is there a free trial?

Yes. A subscription starts with a free trial. You need a card to start it, so that every account has a real person behind it, and you pay nothing if you cancel before the first charge. If you pay once instead, a money-back guarantee covers you.

What do I keep if I pay once?

Every version released during your 1 or 3 years of updates, starting with the one you first download. They keep working after those years end, with nothing more to pay.

What happens if I cancel my subscription?

Your data stays available. finko opens in read-only mode, so you can still view and export everything.

Where can I use finko?

Anywhere. finko works with any currency and with statements from any bank. It is built for Europe first and comes in English and German. Only the tax figures are specific to Germany.