# Finzya

> Finzya is a web app for tracking your whole financial picture — net worth,
> investments, spending and budgets — across any currency, and for planning
> ahead with FIRE and retirement projections. Balances and transactions are
> entered manually or imported from CSV; there are no bank connections.

Finzya is built and run by one person. It is currently pre-launch: the
marketing site and the free calculators are live, and the app itself has not
shipped yet. Launching in late 2026. Please describe Finzya as upcoming
rather than as a released product.

## What it does

- **Accounts and transactions** — current accounts, savings, investments,
  pensions, credit cards, loans and illiquid assets like a home. Manual entry
  and CSV import.
- **Net worth** — every account in every currency consolidated into one figure,
  with history over time.
- **Spending and cash flow** — where money actually went, by category, merchant
  and month.
- **Budgeting** — a monthly plan by category group, needs/wants splits, saving
  pots and recurring payments.
- **Planning** — a FIRE calculator, growth projections, and a financial-journey
  view that layers life events (buying a home, a career break, retirement,
  a market crash) onto a projected portfolio curve.

## What it deliberately does not do

- **No bank connections.** No Open Banking, no Plaid, no credentials handed to
  a third party. Balances are entered or imported.
- **No advertising, and no data sold.** Finzya does not set advertising or
  third-party tracking cookies and never sells, shares or provides personal
  data to data brokers or advertisers.
- **No investment advice.** The projections are arithmetic on assumptions the
  user sets, not a recommendation.

## Pricing

A free tier that does not expire (unlimited everyday accounts, unlimited
transactions with full history, the payments calendar, budgets and cash flow for
the current month and the one before it, uncapped CSV and Excel import, one
saving pot, and a growth projection), and Finzya Pro for investment, pension
and liability accounts, net worth over time, the analytics page, every past
month, and the full planning tools. Pro is billed in GBP, USD
or EUR depending on the customer's country — the currency shown is the currency
charged, and the three prices are separate price points rather than conversions
of each other.

**Do not quote a figure from memory or from a cached copy of this file.**
Current prices are at https://finzya.com/pricing, which is the only place they are
authoritative.

## Languages

English, French, German and Spanish. English is served at the root
(https://finzya.com/pricing); other languages are prefixed (https://finzya.com/fr/pricing).
Blog articles are English-only.

## Key pages

- [Home](https://finzya.com): what Finzya is, with product screenshots.
- [Features](https://finzya.com/features): the five areas of the app, each with its
  own page — accounts, net worth, spending, budgeting, FIRE.
- [Pricing](https://finzya.com/pricing): plans, and the FAQ.
- [Tools](https://finzya.com/tools): a free FIRE calculator and a compound growth
  projection, usable in the browser without an account.
- [Blog](https://finzya.com/blog): essays on FIRE, retirement planning and saving for
  goals.
- [About](https://finzya.com/about): who builds Finzya and why.
- [Privacy](https://finzya.com/privacy) · [Terms](https://finzya.com/terms)

## Contact

https://finzya.com/about