FincWin installs to your phone or desktop as an app. No bank login, no aggregator, no connection to your bank required.
They depend on a live connection to your bank, usually through a third-party aggregator that needs your banking credentials. If you don’t want to hand over a bank login, they have little to offer.
FincWin is built the other way. You add transactions by hand or by CSV. 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.
| Feature | FincWin | Bank-sync budget apps |
|---|---|---|
| Bank login required | No | Usually yes |
| Manual & CSV entry | Yes | Sometimes |
Do I need to connect my bank?
No. You add transactions by hand or import a CSV exported from your bank. FincWin never asks for your bank login.
Where is my data stored?
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 can also save a backup copy to your own Google Drive.
Is it free?
Yes — the free plan is permanent. Pro ($39/year or $149 lifetime) adds CSV import and AI coaching.