From envelope budgeting to AI coaching — FincWin's full feature set, explained. Free to start. Upgrade when you want more.
The envelope method — one of the most proven budgeting systems in the world — built into a dashboard that updates as you spend. No spreadsheets. No guesswork.
Housing, food, transport, healthcare, subscriptions, entertainment — all 14 categories are pre-configured. Add your monthly cap and start logging. Each envelope fills as spending is recorded, turning an abstract "budget" into something visual and immediate.
Set a warning threshold (default 80%) and FincWin highlights envelopes that are close to the edge — before you overspend, not after.
Weekly, biweekly, monthly, quarterly, and annual — every real-world billing cycle covered.
Enter all your recurring bills in one session. Name, amount, category, frequency — done in minutes.
Mark all items in a period as paid with one tap. Useful at month end or after payday.
Visual warnings at 80% (amber) and 100% (red) so you catch overruns before they happen.
See which days and categories accumulate the most spending — patterns become obvious fast.
Automated observations: "Your food spending is 20% higher than your 3-month average."
Step back through any past month to review what you spent and how envelopes filled over time.
Each of the 14 categories has its own detail page. Browse all 14 →
Income minus total expenses, updated live. The single number that tells you how the month is going.
Browse all 14 categories
Track every loan in one place, model payoff strategies, and get an exact date when each debt disappears. The difference between a payment and a plan is a calendar year you can believe in.
Enter your current balance, interest rate, and minimum payment. FincWin calculates your payoff date. Then add $50 extra per month — watch it jump forward. Add $200 — see it move again. The calculator turns an abstract "I want to be debt free" into a date you can plan around.
Model the avalanche (highest interest first) or snowball (smallest balance first) method and compare which one clears your full debt stack faster.
Track car loans, student loans, personal loans, credit cards — any debt you're paying down.
Model both strategies and compare total interest paid and time to full payoff.
Adjust extra monthly payments to see how they compress your payoff date and reduce interest.
See exactly how much interest you'll pay at minimum vs. accelerated rates.
Monthly debt payments as a percentage of income — a key factor in your financial health score.
Total minimum payments across all loans at a glance — critical for cash flow planning.
Name what you're saving for. Give it a target and a date. Log contributions as they happen. The progress bar does the rest — turning an intention into a measurable fact.
Whether you have one savings goal on the free plan or fifteen on Pro, each one has a name, a target, a current balance, and a progress fill. You can set a contribution amount and an auto-transfer day — FincWin tracks whether you're on track for your deadline.
Goals that are behind schedule are flagged. Goals that are complete trigger a celebration. Nothing falls out of sight.
1 goal on Free. Upgrade to Pro for unlimited goals — emergency fund, holiday, deposit, car, anything.
Set a target date per goal. FincWin calculates whether your current contribution pace will get you there.
Log which day of the month you transfer to savings. FincWin tracks contributions automatically.
Add an interest rate to your goal and FincWin factors it into the projected completion date.
When you hit 100%, FincWin marks the goal complete with a confetti celebration. Small things matter.
All goals aggregated: total saved, estimated interest earned, monthly contribution total.
Log your investments the same way you log everything else — manually, with no brokerage login. See how your portfolio contributes to your overall financial health score.
Stocks, index funds, bonds, crypto, real estate, and other investments. Log monthly contributions and current values. FincWin weights your investment portfolio at 50% of its value toward your savings buffer score — recognising that investments are real wealth, just less liquid than cash.
Consistent investment logging across 3 months unlocks the "Consistent Investor" achievement and contributes to your Health Score's savings component.
Stocks, index funds, bonds, crypto, real estate, and other. Every major asset class covered.
Track how much you're adding each month — builds toward the Consistent Investor achievement.
Investments are factored into your savings buffer component of the 0–100 health score.
Log all 6 investment types in a single month to unlock the "Portfolio Pro" badge (200 XP).
Investments aggregate into your total net worth view alongside savings balances and debt.
Multiple revenue streams unlock the Income Diversity component (5 points) of your health score.
The AI Coach is powered by your own API key (OpenAI or Anthropic) — requests go straight from the app to the provider you choose. You control the cost. You control the model.
Your questions, the financial context the app adds, and the AI’s responses pass directly between the app and the AI provider you choose. FincWin’s servers are not in that request path.
Use Claude, GPT-4, or any compatible model. Pay the provider directly at API rates — typically a fraction of a cent per question.
Ask in plain English. "Where am I spending most?" "Am I on track for my emergency fund?" "What's my debt-to-income ratio?"
The AI understands your actual FincWin data — balances, categories, goals — not generic advice.
Use GPT-4, GPT-4o, Claude 3.5 Sonnet, or any compatible model. Switch any time.
API calls go directly from the app to the AI provider, under your own agreement with that provider.
Ask the coach to identify patterns, unusual months, or categories trending higher than your average.
The coach can suggest cap adjustments based on your spending history and cash flow situation.
XP, levels, achievements, and a 0–100 financial health score that measures what actually matters. Gamification only works when the things being rewarded are the right things — so every badge in FincWin maps to a real financial behaviour.
The Health Score is calculated from 6 weighted components: cash flow (25 pts), debt-to-income ratio (25 pts), payment rate (20 pts), debt load (15 pts), savings buffer (10 pts), and income diversity (5 pts). Every number comes from your actual FincWin data.
Tiers run from Beginner through Building, Stable, Strong, Elite, and Perfect. Each tier has a colour and a story — and the score only moves when your real finances move.
From "First Bill Paid" to "Debt Free" to "Perfect Score" — every badge maps to a real financial action.
Earn XP from financial behaviours. Climb from Beginner (Level 1) to Wealth Architect (Level 10).
Stay within cap in a single category for 3 consecutive months — unlock that category's badge.
3-month and 6-month positive cash flow streaks unlock rare achievements and bonus XP.
"Debt Free" and "Perfect Score" are legendary rarity — the two hardest achievements to unlock.
Transparent, documented scoring formula. No black box — you always know what moves the number.
Your data lives in your own account, not on your phone alone. FincWin keeps every household’s records isolated from every other household, and lets you export or permanently delete your data at any time.
You sign in to your FincWin account, and your records are stored there, isolated to your household. Export a full copy whenever you like, or permanently delete your data.
On the device itself, an optional 6-digit PIN lock asks for your PIN once per browser tab session, with auto-lock after your configured inactivity period. Available on all plans.
Your records live in your FincWin account, not on your phone alone.
Every household’s records are kept isolated from every other household.
Download a full copy of your data in a readable format whenever you like.
Delete your data permanently at any time.
One PIN unlock per browser session. Tab close clears the session token — re-enter on next visit.
Configurable inactivity timeout. Pointer and keyboard activity resets the timer.
Your records are stored in your FincWin account, so the same budget is there on each device you sign in from. Export or delete your data any time.
Your records are stored in your FincWin account and isolated to your household.
Optional extra backup copy saved to your own Google Drive.
Import transactions from any bank's CSV export. Map columns once and FincWin handles the rest.
Full data export at any time. Your data in a readable format — no lock-in, ever.
Live exchange rates via open API. Track expenses in any currency — converted to your base currency.
Install FincWin to your home screen (Android, iOS, desktop) for a native-app experience.
Explore FincWin fully loaded with realistic demo data — no setup required before trying.
Most destructive actions (delete, edit, archive) are undoable within a short window.
6 visual themes including Dark mode, Light Glass, and more. Saved with your preferences.
No app is right for everyone. Here's an honest look at where FincWin fits — and where it doesn't.
| FincWin Pro | YNAB | Mint (defunct) | Monarch Money | |
|---|---|---|---|---|
| Pricing | ||||
| Price | $39/year (or $149 lifetime) | $109/year | Free (discontinued) | $100/year |
| Free plan | ✓ Permanent free tier | 34-day trial only | — | — |
| Lifetime option | ✓ $149 one-time | ✗ | — | ✗ |
| Privacy & Data | ||||
| Financial data location | ✓ Your FincWin account, isolated per household | Cloud | Cloud (sold data) | Cloud |
| Features | ||||
| Envelope budgeting | ✓ 14 categories | ✓ | ✗ | Partial |
| Loan payoff calculator | ✓ With extra-payment model | ✗ | Basic | Basic |
| AI financial coach | ✓ BYOK (your API key) | ✗ | — | Built-in (cloud) |
| Gamification & XP | ✓ 40+ achievements | ✗ | — | ✗ |
| Financial health score | ✓ 0–100, 6 components | ✗ | — | Credit score only |
| Multi-currency | ✓ Live exchange rates | Limited | ✗ | ✗ |
| PWA / installable | ✓ All platforms | Partial | — | ✗ |
| Bank sync | CSV import (no live sync) | ✓ Live bank sync | ✓ (discontinued) | ✓ Live bank sync |
FincWin intentionally does not offer live bank sync — connecting to banking APIs requires sharing credentials and introduces a third-party data intermediary. CSV import avoids sharing bank credentials.
Start with the free plan — no card, no expiry. Upgrade when the features make sense for where you are.