Beware of little expenses; a small leak will sink a great ship.
— BENJAMIN FRANKLININ FYNCORAHabit-to-spending links find your small leaks and price them per year — €4 coffees become a €1,500 line item you can actually see.
Habits × Money × Goals — one ledger
Every habit has a price tag.
Fyncora puts your habits, spending and goals in one place — so you can see exactly where money leaks, and redirect it to the goals you actually care about. Built in Europe, for European banks and currencies.
✓No credit card✓Free forever plan✓5-minute setup
RUN YOUR OWN NUMBERS
FYNCORA
HABIT AUDIT · UNOFFICIAL RECEIPT
—CASHIER: FUTURE YOU
PER MONTH€126
PER YEAR€1,512
OF YOUR GOAL76%
TIME TO GOAL~16 mo
Redirect this habit and your Lisbon trip is fully funded in ~16 mo — with money you already spend.
*** THANK YOU, FUTURE YOU ***
Estimates. Your receipt will vary — that's the point.
- 🇪🇺 Built & hosted in the EU
- 💶 EUR · GBP · CHF · SEK & more
- 🏦 Any bank via CSV — no login required
- 🔒 GDPR by design
- 🚫 We never sell your data
The principles are a century oldDon't save what's left after spending.
Don't save what's left after spending.
Spend what's left after saving.
Every money book of the last hundred years repeats the same three rules. Fyncora is the first app that runs all three for you — automatically.
A part of all you earn is yours to keep.
— THE RICHEST MAN IN BABYLON, 1926IN FYNCORAGoals are funded first, not last. Link a goal to a budget and it pays itself before lifestyle spending gets a vote.
It's not how much money you make. It's how much money you keep.
— ROBERT KIYOSAKI, RICH DAD POOR DADIN FYNCORANet worth, budget pace and safe-to-spend show what you keep — not just what passes through your account.
Sound familiar?You've read the books.
You've read the books.
Your apps still don't talk to each other.
If you live in Europe, the apps everyone raves about — Monarch, Copilot, Rocket Money — don't even work here. So you stitch together a budget app, a habit tracker and a spreadsheet. Lots of data. Zero answers.
🧩 The four-app workaround
How most people end up doing it
- A budgeting app that thinks the world runs on dollars
- A habit tracker that has never seen your bank account
- Goals living in a notes app or a spreadsheet
- Manual exports to connect any of it
- Still no idea why you can't save
🎯 The Fyncora way
One ledger that connects the dots
- Multi-currency from day one — €, £, CHF and more
- Habits linked directly to spending categories
- Goals that fund themselves as you save
- An AI advisor watching all three, daily
- A straight answer: "this is why you can't save"
The part no single-purpose app can copy
Questions only Fyncora can answer
When goals, habits and money live in one place, the app can see connections that a budget tracker or a habit app — on their own — simply can't.
Illustrative examples
“Why can't I save?”
You spend 40% more on takeout in weeks you skip your Sunday meal-prep habit.
Keep the habit → ~€180/mo stays yours“Is my streak actually worth anything?”
Your 12-day no-impulse-buys streak has quietly added €210 to your emergency fund.
On track 2 months early“When do I actually get there?”
At the current pace, your house-deposit goal lands in March 2028 — four months later than planned.
Add €95/mo to stay on scheduleNo bank login required
From CSV to clarity in three steps
Import
Drop a CSV from any European bank. Columns and categories map automatically — no credentials, no screen-scraping, no third party touching your account.
N26 · Revolut · Sparkasse · NLB · any bankConnect
Link habits to spending categories and goals to budgets. This is the step no other app has — and where the insights come from.
habit ↔ spend · goal ↔ budgetAsk
Your AI advisor briefs you daily, flags leaks as they open, and tells you when a habit is quietly working against a goal.
“why am I over budget this month?”Everything in one place
Four tools. One ledger.
Money
Accounts, transactions, budgets and net worth — across every currency you hold.
checking · savings · cards · investmentsHabits
Flexible rules that fit real life — minimums, maximums or targets. Then see what each one costs or saves.
streaks · rolling windows · spend linksGoals
Set goals the SMART way, break them into milestones, and link them to budgets so they fund themselves.
milestones · auto-funding · pace alertsAI advisor
Ask in plain language. Daily briefings, forgotten-subscription alerts, honest answers.
“what's safe to spend this week?”Your money, your rules
Your data is yours. Full stop.
Fyncora is built and hosted in Europe under GDPR — not retrofitted to it. You're a paying customer, not a product being resold to advertisers.
GDPR by design
European data protection built into every table and request — row-level security on everything.
No data selling
No ads, no data brokers, no “you are the product.” Ever. Our revenue is your subscription.
No bank login
Import via CSV from any European bank. Your credentials never leave your bank.
Export anytime
Your data leaves as easily as it arrives. No lock-in, no hostage-taking.
Why I built this
Every “best budgeting app” list pointed me to tools that don't work with European banks or currencies. The local options were plain spending trackers. And none of them connected my habits and goals to my money — which is the whole point. So I built the app I actually wanted. I use it every day, and I answer the support email myself.
Simple, honest pricing
Starts free. Pays for itself.
One forgotten €10 subscription found in week one covers Premium for the month — and most people find more than one.
Free
Everything you need to get started
€0 forever
No card. No trial clock.
- Unlimited goals & tasks
- Habit tracking with streaks
- Up to 3 financial accounts
- Manual entry & basic reports
- Multi-currency support
- Mobile app access
MOST POPULAR
Premium
The full cross-domain advisor
€7 / month
or €5/mo billed yearly
- Everything in Free, plus:
- Cross-domain insights (the magic)
- Unlimited accounts & AI messages
- Recurring transactions & CSV import
- Advanced analytics & net-worth trends
- Household sharing
- Priority support — from the founder
★ FOUNDING MEMBERS: THE FIRST 500 ACCOUNTS LOCK THE YEARLY RATE FOR LIFE ★
Questions
Fair questions, straight answers
Is my financial data secure?
Yes. Data is stored on EU servers, encrypted in transit and at rest, with row-level security so each account can only ever read its own rows. We never connect to your bank — you import via CSV, so your credentials stay with your bank.
Why CSV import instead of a bank connection?
Two reasons: it works with every European bank from day one, and it means you never hand your bank login to a third party. A two-minute monthly import buys you total coverage and total privacy. Automatic sync is on the roadmap for those who want it.
What makes Fyncora different from YNAB or a habit tracker?
Those tools see one slice of your life. Fyncora links habits to spending and goals to budgets — so it can answer questions like “what is my takeout habit costing my house deposit?” that single-purpose apps structurally cannot.
Does it really work with my currency?
Yes — EUR, GBP, CHF, SEK and more, with European number and date formats. You can hold accounts in different currencies and see one combined picture.
Is there a mobile app?
An iOS and Android app is in beta — it shares the same engine as the web app, so everything stays in sync.
Can I cancel or leave anytime?
Anytime, in two clicks, and you can export all of your data first. The free plan stays free forever — no card required, no trial countdown.
One five-minute setupThe leak doesn't pause
The leak doesn't pause
while you think it over.
Find it this week. Redirect it to something you actually want. Keep what you earn.
✓No credit card✓Free forever plan✓Export anytime