Built for people who want to understand
their money.

Why FincWin exists

Most personal finance software makes the same bet: connect your bank, and we'll show you what you spend. The model is convenient and the results are genuinely useful. But it requires trusting a company with your complete transaction history — and trusting that what they do with it matches what they say in the privacy policy.

FincWin was built around a different principle: your financial data is your business. You should be able to understand where your money goes, plan your budget, track debt payoff progress, and set savings goals — without anyone else seeing it.

That's not a philosophical position for its own sake. It's a practical recognition that financial data is among the most sensitive personal information there is. Income, spending patterns, debt levels, savings balances — this is the full picture of someone's life circumstances. It deserves to be treated accordingly.

What FincWin believes

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What FincWin does

FincWin brings income, spending, debt, and savings into one clear dashboard:

• Envelope budgeting: 14 pre-built categories, 5 income frequencies, monthly caps that show exactly how much is left in each bucket
• Loan payoff planner: Snowball and avalanche methods with real payoff dates and total interest projections
• Savings goals: Named goals with target amounts, deadlines, and progress tracking
• Investment tracking: Stocks, ETFs, crypto, bonds, real estate, and retirement accounts — 6 asset types
• Financial health score: A 0–100 composite score from six weighted dimensions, updated as your data changes
• AI coaching (Pro): Ask questions about your own finances using your own OpenAI or Anthropic key — FincWin never sees the conversation
• Gamification: 40+ achievements, XP, and streaks that make consistent financial habits more engaging
• Security: PIN lock, AES-256 encryption, and biometric unlock
• Sync: Optional encrypted Google Drive backup — the encrypted blob goes to your Drive, not to FincWin
• Multi-currency: Set a base currency, log transactions in any currency, see everything in one consolidated view

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The data transparency commitment

There are three types of data involved in using FincWin:

• Financial data (income, expenses, loans, savings, investments): Stored in your browser's localStorage. Never transmitted to FincWin's servers.
• Account data (email, if you sign up for backup): Stored externally. Minimal — we don't need your financial data to verify your account.
• Drive backup: AES-256 encrypted on your device before upload. We can't read it. Google stores encrypted bytes, not your financial data.

No advertising. No data brokering. No selling your usage patterns. FincWin is a product you pay for, not a product you are.