I outgrew my spreadsheet
Everything your formulas did, without the breakage.
Import your CSV with a dry-run preview so nothing surprises you. Set recurring bills and paychecks once, and the forecast maintains itself after that.
Import my spreadsheetSee your wholefinancial life.Then see whathappens next.
Cash, investments, property, loans and your household on one screen, with a forecast that runs five years out.
- Free forever plan
- No card to start
- Import a bank CSV in a minute
- Export everything, any time
Your money app tells you what you spent.That is the least useful thing it knows.
Last month is history. The questions that keep people up at night are about the future. Can I afford this? Will I make it to payday? What if I take the job? When can I stop working?
Answering those means holding your entire balance sheet in one place and running it forward. No spreadsheet does that without breaking.
Categorise last month
Project the next five years from your real ledger
Cash balance only
Cash plus investments plus property minus loans
A chatbot that guesses
38 tools reading your own data, with the receipts
One person, one login
A shared household ledger with split bills
Sixteen surfaces.One set of numbers underneath.
Log a transaction and your forecast, budgets, health score, net worth and FIRE date all move together. Pick any surface to see what it does.
Forecast
FreeWhere the money is heading, and how wrong that could be.
Solid line for history, dashed for projection, 7 days to 5 years out. A second chart shows the p10 to p90 band from a Monte Carlo run plus your odds of running short.
- What-if sandbox
- Save, compare and share scenarios
- CSV and PDF export
Forecast
FreeWhere the money is heading, and how wrong that could be.
Solid line for history, dashed for projection, 7 days to 5 years out. A second chart shows the p10 to p90 band from a Monte Carlo run plus your odds of running short.
- What-if sandbox
- Save, compare and share scenarios
- CSV and PDF export
Four questions, answered before your coffee cools.
- 01How much am I worth?
- 02Am I up or down this month?
- 03Where is my cash headed?
- 04Is anything about to go wrong?
The dashboard answers all four from your real data, in a single round-trip. Net worth here means cash plus investments plus property minus loans, and the health score breaks into five weighted parts, each explained in plain English.
Model a new job. A car loan. A side gig.Right here, before you sign up.
Solid line for where the money has been, and a widening band for where it could go. Turn a decision on and everything downstream of it answers, including the one number most people are really asking about: the worst moment between here and there.
Lowest point
$5,036
in 2 months
Balance in 2 years
$11,500
Stays above zero the whole way
Turn a decision on and watch it land
Illustrative figures, not customer data
Run this on my numbers
In the product the same sandbox runs on your real ledger, saves scenarios, and shows the p10 to p90 band from a Monte Carlo pass.
You
Can I afford a $4,000 holiday in March without dipping under $2,000?
A real exchange, replayed. Point at a figure to see which tool produced it.
Ask about your money.Get an answer that cites its work.
Most AI finance is a language model guessing at a plausible number. Fincator answers by calling 38 read-only tools over your real budgets, goals, cash flow, loans and holdings, then shows you exactly which ones it used.
- It cannot invent a number
- Answers come from read-only tools over your own records. After every reply a grounding check traces each currency figure back to the tool output that justified it.
- It never writes without asking
- Transactions, goals and budgets are proposed, not saved. You confirm or cancel, and nothing lands on your ledger silently.
- It runs on every screen, not just the chat
- A smaller analysis reads whatever page you are on, works out what counts as unusual from your own history rather than a national average, and caches on a fingerprint of the content so re-reading an unchanged page costs nothing.
Start free
Educational only. It explains and calculates, never advises.
Which one are you?
We run money as a household
One ledger, split bills, no awkward maths.
Split a bill equally, manually or by percentage. See who owes whom, settle in one tap, and watch both sides of the entry land automatically.
Set up our household
I am optimising for independence
Four FIRE variants, compounded from what you actually hold.
Lean, Standard, Fat and Coast on one projection, a sensitivity table across return assumptions, and a savings slider that answers how many months each change buys you.
Find my FIRE date
I earn in more than one currency
Native currency per record, one coherent total.
Every aggregate converts at the boundary, and each transaction stores the rate locked in on its date. Tag once, then hand your accountant a workbook or a formatted PDF.
Try it on this month
Start free.Upgrade when it has already paid for itself.
Four tiers, each unlocking a further step of the balance sheet. Move through them to see where the coin lands.
Launch pricing. The struck-through figure is the list price.
Explorer
Get your money in one place.
Free
- Transactions, CSV import, receipts
- Budgets, goals, categories and tags
- Dashboard, net worth, health score
- Cash forecast and physical assets
- 20 AI chats and 50 insights a month
Navigator
Most popularSee the whole balance sheet.
$4.99/ month$6.99
- Everything in Explorer
- Investments with live price sync
- Loans with payoff schedules
- Analytics with Excel and PDF export
- 200 AI chats and 500 insights a month
Freedom
Plan the exit.
$9.99/ month$12.99
- Everything in Navigator
- FIRE planner, all four variants
- Unlimited household members
- Unlimited AI insights
- 1,000 AI chats a month
Legacy
No ceilings anywhere.
$19.99/ month$24.99
- Everything in Freedom
- Unlimited AI chats
- Priority access to new surfaces
- Every export format
- Email support
- No card to start
- Upgrade or cancel yourself in Settings
- Downgrade keeps everything you have entered
Security defaults set for money,not for convenience.
578 backend tests and 164 frontend tests run against this. Money is always a decimal, never a float, and your current cash is derived from your ledger rather than stored, so it cannot drift.
- Session
Your session cannot be lifted from the browser
The refresh token is an httpOnly cookie. The access token lives in memory and is never written to storage. Nothing auth-related touches localStorage.
- Recovery
A password reset actually locks the intruder out
Resetting ends every other session. Emailed links are signed, fingerprinted to your account state, and single-use. Sign out one device or all of them.
- Access
Two-factor, lockouts and an audit trail
TOTP with hashed backup codes. Per-account lockout and per-IP throttling, because they catch different attacks. Every security event lands in an append-only log you can read.
- Files
Your receipts are not public files
Uploads never serve as static assets. Files are checked by extension, content type and magic bytes, then stored under opaque names. Secrets and OCR text are encrypted at the field level.
The questions people actually ask.
Not yet. You import a CSV with a dry-run preview showing exactly which rows will land and which are skipped, and you set your recurring bills and salary once. From then on those post themselves. Bank feeds are on the roadmap.
Your money is already heading somewhere.You may as well see where.
Five minutes to import a CSV and add your recurring bills. After that the forecast, the health score, the goal dates and the payoff maths all maintain themselves.
Free forever plan. No card to start.