Your month, in one picture.
Income, spending, savings and what's genuinely left to spend — drawn as one flow you understand at a glance. Built in Europe, for European banks and currencies.
- 30-day free trial
- Your data stays yours
- 5-minute setup
- Built & hosted in the EU
- 18 currencies · 9 languages
- Your data stays yours
- Export anytime
- Try the demo — no signup
Save first. Spend what's left.
Set a keep target, budget the rest — Fyncora tells you what is genuinely free to spend this month, after saving, not before. And it shows the arithmetic.
Keep · Budgets · Free to spend
See it in the demo →
Set money aside without moving it.
Envelopes reserve money for the trip or the emergency fund inside the accounts you already have — and each one knows which account holds it and how full it is.
Envelopes · Goals · Where the money sits
See it in the demo →
Subscriptions, warranties, vouchers — before they cost you.
Recurring charges detected from your history, with price changes and total paid. Warranty and voucher dates reminded before they expire. Receipts filed in your own Google Drive.
Detected patterns · Price changes · Expiry reminders
See it in the demo →
One home for all of it — arranged your way.
Accounts, net worth, budgets, bills, envelopes, goals and habits on one dashboard. Drag what matters to the top, split it into pages, hide the rest.
Customizable · Pages · Widgets
See it in the demo →
The habit funds the goal.
Cap a habit, see its real price tag from your own spending — and watch the goal it funds arrive months sooner.
habit ↔ spend · goal ↔ budget
See it in the demo →
One household, shared clearly.
Pool finances with a partner, keep private accounts private — down to “amounts only” — and give kids their own allowance, chores and pretend portfolio.
- Shared or private — per account
- Goals you co-own, tasks you split
- Kids: allowance · chores · pretend stocks
Try it with a life like yours.
Fifteen seconds. Nothing to install, nothing to enter, nothing is saved — a full account with sample data you can change, break and restart.
One income, own goals
Salary, rent, a coffee habit with a price tag, an emergency fund and a trip envelope.
Open the demoTwo incomes, shared bills
A joint account beside one private account each — see exactly what a partner sees, and what they don't.
Open the demoHousehold plus two kids
Allowance, chores and a pretend portfolio for the kids; budgets, envelopes and a shared goal for the adults.
Open the demoLanguage and currency are yours to pick on the next screen · Demo sessions end with your browser
The rest of a whole money life.
Budgets by week, month or yearEach evaluated in its own period, with rollover and a pace tick.
One honest net worthEvery account and holding, converted — and labelled when approximate.- 18 currencies · 9 languages€ £ CHF SEK NOK DKK PLN CZK …EN DE FR ES IT NL PL PT SL
Where the month landsA forecast from your bills and pace — and the day you cross the plan.- Bring your historyCSV from any bankMint · YNAB · Monarch · Copilot
Goals with real progressMeasured from an envelope, your wealth or your investments — never typed in.
Ask, on your real numbersAnswered from your accounts, with what it costs your goals.
Receipts in your own DriveAttached to the purchase. Fyncora keeps only a pointer — never the file.
Run your own numbers.
Pick a habit, set what it costs, choose a goal — the receipt shows what redirecting it would fund. Estimates, clearly labelled.
One ledger. Every screen.
The full app in the browser, plus a native mobile app with quick capture and offline entry — the same numbers everywhere.
See everything Fyncora does →
Your data is yours. Full stop.
Fyncora is built and hosted in Europe under GDPR — not retrofitted to it. You're a paying customer, not a product being resold to advertisers.
GDPR by design
European data protection built into every table and request — row-level security on everything.
No data selling
No ads, no data brokers, no “you are the product.” Ever. Our revenue is your subscription.
Export anytime
Your data leaves as easily as it arrives. No lock-in, no hostage-taking.
Every “best budgeting app” list pointed me to tools that don't work with European banks or currencies. The local options were plain spending trackers. And none of them connected my habits and goals to my money — which is the whole point. So I built the app I actually wanted. I use it every day, and I answer the support email myself.
Fair comparison, every cell checkable.
| Monarch | Copilot | YNAB | Fyncora | |
|---|---|---|---|---|
| Price per year | USD 99.99 | USD 95 | USD 109 | €29.99 · household €49.99 |
| Try it before signing up | — | — | — | Live demo, no signup |
| Works outside the US | US & Canada | US only | Yes | EU-first, 18 currencies |
| Fully useful without linking a bank | Manual accounts, limited | — | Yes | Yes — you decide what enters |
| Household + kids | Shared, no kids | — | Shared, no kids | Shared, per-account privacy, kids |
| Habits × money | — | — | — | Price tags, goals funded by habits |
Competitor figures as of September 2026, from their public pricing pages. Every row is a claim we can defend.
Starts free. Pays for itself.
One forgotten €10 subscription found in week one covers Premium for the month — and most people find more than one.
Premium
Everything, for one person
- Unlimited goals, tasks & habits
- Unlimited accounts, all currencies
- Cross-domain insights (the magic)
- AI advisor & unlimited AI messages
- Recurring transactions & CSV import
- Advanced analytics & net-worth trends
- Priority support — from the founder
Premium Household
Everything, for the whole family
- Everything in Premium, plus:
- Shared accounts, budgets & goals
- Partner seat with private space
- Kids profiles with allowance & chores
- Household-aware AI advisor
- One combined net worth — or per person
Both plans start with 30 days of full Premium. A card is required to begin the trial, and cancelling any time before it ends means you're never charged. If you don't subscribe, your account becomes read-only: everything you entered stays visible and exportable, forever.
Fair questions, straight answers
Is my financial data secure?
Yes. Data is stored on EU servers, encrypted in transit and at rest, with row-level security so each account can only ever read its own rows. We never connect to your bank — you import via CSV, so your credentials stay with your bank.
Why CSV import instead of a bank connection?
Two reasons: it works with every European bank from day one, and it means you never hand your bank login to a third party. A two-minute monthly import buys you total coverage and total privacy. Automatic sync is on the roadmap for those who want it.
What makes Fyncora different from YNAB or a habit tracker?
Those tools see one slice of your life. Fyncora links habits to spending and goals to budgets — so it can answer questions like “what is my takeout habit costing my house deposit?” that single-purpose apps structurally cannot.
Does it really work with my currency?
Yes — EUR, GBP, CHF, SEK and more, with European number and date formats. You can hold accounts in different currencies and see one combined picture.
Is there a mobile app?
An iOS and Android app is in beta — it shares the same engine as the web app, so everything stays in sync.
Can I cancel or leave anytime?
Anytime, in two clicks — and you can export all of your data first. If a trial ends without a subscription, the account simply becomes read-only: everything you entered stays visible and exportable, forever.
How much does Fyncora cost?
Premium is €4.99 a month or €29.99 a year. Premium Household — shared finances for a couple or family — is €7.99 a month or €49.99 a year. Every account starts with a 30-day free trial. Starting the trial needs a card, and cancelling before it ends means you're never charged — or explore the live demo first, which needs no signup at all.
Is there a free plan?
No — deliberately. A paid product means you are the customer, not the product: no ads, no selling your data. You get 30 days free to decide, and if you don't subscribe your data stays visible and exportable forever. And one thing genuinely is free: the live demo needs no signup and no card.
Can I switch from Mint, YNAB, Monarch or Copilot?
Yes — a guided import understands each app's export format, maps your categories, and handles their different amount conventions automatically. Most people are moved in under ten minutes, and you can undo an entire import in one click.
What is the live demo?
A complete Fyncora account filled with realistic sample data — just you, a couple, or a family with kids — that opens in about fifteen seconds with no signup. Change anything, break anything, restart it; nothing is saved and the session ends with your browser.
The leak doesn't pause
while you think it over.
Find it this week. Redirect it to something you actually want. Keep what you earn.