What you can do with finko.

Six vital signs

Net worth, investments, cash on hand, savings rate, runway (the months your cash would last) and how fresh your data is.

This month against last

Your spending so far against the same point last month, and where the month is heading.

Needs attention

Anything that needs a look waits at the foot of the page, so nothing interrupts you.

Your real return

Worked out so the money you add or take out does not distort it, both time-weighted and money-weighted.

Month by month

Your return for each month, and what each holding added to it.

Dividends and interest

What your holdings paid you, month by month.

One flow chart

From what came in to where it went, in a single picture.

Spending by category

A breakdown that opens up into sub-categories.

Your savings rate

By month, over the last 60, 90 or 180 days, or over a rolling year.

Found for you

Charges that repeat across your cards and banks are picked up on their own.

Price changes

See when a subscription’s price changes, or when it seems to have ended.

Your say

Mark any payment as recurring, and finko offers to do the same for similar ones.

Monthly budgets

An amount for each category, with a bar for how much of it you have used.

Alerts you choose

Over budget, an investment down further than you allow and more, each with its own switch.

Targets you set

Your savings rate, the months of runway you want and how far an investment may fall.

Split to the cent

Mark a card payment as shared, and finko splits it evenly.

Who owes whom

Each person’s fair share against what they paid, until it reads “Fully settled”.

One statement, two cards

Each card on a combined statement goes to the right person.

Any bank

Match a statement’s columns once, and finko remembers them.

Checked before it is saved

See the rows, totals and dates first. Rows you already imported are skipped.

Balances to the cent

Enter your real balance and finko checks against it. A gap points to a missing statement.

Sorted as you import

A payment from a merchant finko knows gets its category on import, on your computer.

Learns from you

Categorise a payment once, and finko sorts that merchant on its own from then on.

Your own rules

Add a rule for a merchant, and finko follows it. A near match comes up as a suggestion you accept with one click.