Finantly

Finantly is a personal finance app that brings accounts, budgets, investments and debts into one clear view. It is built for people who want full control over their income and expenses without spreadsheets, combining analytics, planning, investment tracking and financial calculators inside a single web application. Its stated purpose is straightforward: see everything you have in one place, take full control, and start saving money and time. The product is positioned around a set of everyday financial problems that the site presents directly: money slipping through your fingers, not knowing how much you really have, finances scattered across many apps, investing with whatever is left, not knowing whether you can afford something, and not having much time for your finances. Finantly answers these with full control over your income and expenses, combining expenses, income and savings into one picture of your finances — a breakdown of not just the numbers but also your income and expense categories. The site also draws an explicit comparison with doing everything in Excel: a spreadsheet shows today's snapshot, while Finantly shows whether you are moving forward. Currency rates are automatic rather than manual, net worth is dynamic rather than a one-time snapshot, ETF and stock values update with daily pricing instead of you updating them, and financial calculators are included rather than something you build yourself. Finantly is organised into modules. The Dashboard is described as your financial command center: it collects key data from the Income & expenses, Net Worth, Budgets and Transactions modules into a single, clear view that lets you assess your financial situation in seconds. Net Worth tracks your total wealth dynamically and in real time across accounts, assets and debts — the onboarding example shows a total wealth of €48,320 across 4 accounts, assets and 1 debt. Income & expenses combines earnings, spending and savings into one picture of your finances, with a full breakdown of income and expense categories. Budget handles planning, and the site groups budgets together with goals and categories as the planning side of the product. Transactions is where your transactions live, including imported bank statement data, and Categories organises spending. Transaction import and categorisation are central to how Finantly reduces manual work. The app imports transactions from bank statements with AI-assisted import, so you do not have to enter every purchase by hand, and it applies auto-categorization that learns your habits: as you categorise transactions, the app adapts to your choices and remembers them. The comparison table contrasts this with Excel, where adding transactions and categorising them both mean manual entry. Currency handling is built in as well: the site lists automatic currency rates against Excel's manual approach, and the product description highlights tracking net worth in real time across currencies, which matters if you hold accounts or assets in more than one currency. Data stays consistent across devices — the site promises one state, everywhere, rather than many file versions. Investments are tracked with automatic valuation. Where a spreadsheet requires you to update ETF and stock values yourself, Finantly shows daily pricing, so your portfolio value stays current without maintenance work. The Calculators module includes FIRE, car, real estate and loan calculators built on your actual data — not guesswork, as the product description puts it. Because these calculators use numbers you have already entered in Finantly, results reflect your real situation rather than generic assumptions: you can see how extra loan payments change your timeline, what a home or car purchase would mean for your finances, or when investing and building wealth could reach your target. Onboarding is designed so that you see a real number in minutes rather than a blank screen. Finantly does not drop you into a dashboard full of empty charts; instead it asks about your needs, then guides you step by step. In step one you pick what matters to you right now — the options shown on the site are seeing everything you have in one place, paying off your loans faster, buying a home or a car, investing and building wealth, or seeing where your money goes — and every next step is tailored to that goal. In step two a coach shows you exactly where and what to add, and you enter only the numbers needed to reach your goal, nothing unnecessary. In step three you see your first real insight: your real situation for the goal you chose, with a real result and a clear next step. The example on the site is adding a main bank account with a balance of €12,480.00, then seeing total wealth of €48,320 across 4 accounts, assets and 1 debt, followed by the suggested next action: track your monthly income and expenses. The benefits presented are control, clarity and time. Full control over income and expenses means knowing where your money goes and being able to act on it; a single clear view removes the need to switch between scattered apps or build your own spreadsheet. Automation — automatic currency rates, dynamic net worth, daily investment pricing and bank transaction import with auto-categories — saves time that would otherwise go into manual entry and upkeep, and the site notes that adding transactions is smooth in the browser. Ready-made, clear charts and analytics replace building everything yourself, and access across devices means one consistent state rather than many file versions. The site frames the subscription as an investment: if the app helps you find just 3 € in savings each month, the plan pays for itself, and everything above that stays in your pocket. The modules map onto concrete workflows. Someone who wants to see everything they have in one place adds their main bank account, other accounts, assets and debts, then watches total wealth update in real time instead of assembling a spreadsheet. Someone who wants to see where their money goes imports bank statements and lets auto-categorization sort spending into categories. Someone planning a large purchase runs the car or real estate calculator on their own numbers to check what they can afford, while someone focused on building wealth uses the FIRE calculator and lets Finantly value ETFs and stocks daily. Someone paying down debt uses the loan calculator to see how extra payments shorten a loan, and anyone planning ahead sets budgets, goals and categories in the Budget and Categories modules. Finantly runs on a subscription with a 30-day free trial rather than a free tier. The site states openly that there is no free version, explaining that the team prefers a transparent subscription model over hidden costs and that users are not the product: data is not sold to advertisers and no ads appear in the app, with subscriptions the only source of revenue. Pricing shown is an annual plan at 5.75 €/mo reduced to 2.87 €/mo with a −50% founder price for the first year, billed annually at 69 € reduced to 34.5 € per year, which the site says is 36% cheaper than the monthly plan, and a monthly plan at 8.99 €/mo reduced to 4.49 €/mo as a founder price for the first six months. Both plans include analytics (dashboard, net worth, income & expenses), planning (budgets, goals and categories), investments with automatic valuation, auto-categorization that learns your habits, and transaction import from bank statements (AI-assisted). Security is described in detail: AES-256 encryption for email, account and wallet names and transaction descriptions, Argon2 password hashing with a breach check, httpOnly cookies with rate limits and lockout, HTTPS with CSP, and payments handled by Polar with 3D Secure support, plus GDPR export and permanent deletion of your data. In summary, Finantly is a subscription personal finance app for people who want to stop guessing: it puts accounts, budgets, investments and debts in one place, keeps net worth current in real time across currencies, automates transaction import and categorisation, and turns your own numbers into loan, car, real estate and FIRE calculations. The core promise is full control over your money, with no spreadsheets required.