Question 1

Is Finanzya free to use?

Accepted Answer

Yes. Finanzya has a free tier that includes up to 2 accounts, basic income and expense tracking, and spending categorization. To unlock unlimited accounts, advanced analytics, budgeting, FIRE tools, and growth projections, you can upgrade to Pro.

Question 2

How do I add my transactions?

Accepted Answer

Transactions are entered manually, giving you full control over your data. If you have historical data from your bank, you can use the CSV importer to bring in large amounts of transactions at once. The importer maps columns intelligently and handles different date formats.

Question 3

Does Finanzya connect to my bank?

Accepted Answer

Not at the moment. You add transactions manually or import them from a bank CSV export, so your bank credentials stay with your bank. Automatic bank connections may be offered as an option in the future — manual entry and CSV import will remain available for people who prefer full control over what goes in.

Question 4

What is the FIRE tool?

Accepted Answer

FIRE stands for Financial Independence, Retire Early. Finanzya includes a FIRE strategy tool that lets you define your retirement target, set a timeline, and track your progress over time based on your actual savings and investment data. It updates as your portfolio grows.

Question 5

Can I try the app before signing up?

Accepted Answer

Yes. Finanzya offers a full demo mode where you can explore the interface with sample data. See the dashboard, charts, and all tools before creating an account. No sign-up is required for the demo.

Question 6

What kind of accounts can I track?

Accepted Answer

You can track savings accounts, current accounts, investment portfolios, pensions, retirement accounts, and more. Each account tracks its balance over time and contributes to your total net worth and portfolio analytics.

Question 7

Does Finanzya work on mobile?

Accepted Answer

Yes. Finanzya is a progressive web app (PWA) that works on any device. It is fully responsive and can be installed on your phone's home screen for a native app-like experience. Your data syncs across all your devices.

Question 8

How do I cancel my subscription?

Accepted Answer

You can cancel at any time from your account settings. There are no cancellation fees and you retain access to Pro features until the end of your billing period. Your data is always yours — you can export everything via CSV at any time.

Question 9

How does manual net worth tracking work?

Accepted Answer

You add each of your accounts to Finanzya with its current balance. As you update balances over time — either manually or by importing transactions — Finanzya records historical snapshots. This creates a detailed timeline of your net worth, broken down by account type, currency, and more.

Question 10

What assumptions does the FIRE calculator use?

Accepted Answer

The FIRE tool uses your actual portfolio data as a starting point. You configure your own assumptions for expected growth rate, annual contributions, withdrawal rate, and target retirement amount. The calculator does not impose fixed assumptions — you define each parameter based on your own strategy.

Question 11

Does Finanzya account for inflation in projections?

Accepted Answer

Growth projections allow you to set your own expected rate of return. If you want to account for inflation, you can use a real (inflation-adjusted) return rate instead of a nominal one. For example, if you expect 7% nominal growth and 2-3% inflation, you could model with 4-5% growth to see inflation-adjusted results.

Question 12

How does multi-currency support work?

Accepted Answer

Each account in Finanzya can be assigned its own currency. When viewing your total net worth or portfolio summary, all amounts are converted to your chosen display currency using exchange rates. This allows you to track accounts in USD, EUR, GBP, JPY, or any other supported currency and see everything in one unified view.

Question 13

Is my financial data private and secure?

Accepted Answer

Yes. Finanzya does not connect to your bank accounts or request banking credentials. Your data is stored securely and is only accessible by you. Because there are no bank connections, there is no third-party access to your financial institutions.

Question 14

Can I export my data from Finanzya?

Accepted Answer

Yes. You can export your transaction data and account information via CSV at any time. Your data belongs to you. There is no lock-in and nothing prevents you from taking your data elsewhere.

Question 15

What CSV formats does Finanzya support for import?

Accepted Answer

Finanzya's CSV importer is flexible and works with most bank export formats. It lets you map columns to the correct fields (date, amount, description, category) and handles different date formats. You can import thousands of transactions at once from virtually any financial institution's CSV export.

Question 16

How accurate are the long-term growth projections?

Accepted Answer

Growth projections are modeling tools, not predictions. They show potential future outcomes based on the parameters you set — such as growth rate, contribution schedule, and time horizon. They are useful for comparing scenarios and understanding the impact of different strategies, but actual results will depend on real market conditions.

Question 17

Does Finanzya work in my country?

Accepted Answer

Finanzya is designed to work globally. It supports multiple currencies, uses manual data entry (so there are no country-specific bank integrations to worry about), and does not rely on region-specific financial infrastructure. If you can access the web, you can use Finanzya.

Question 18

Can I track both assets and debts?

Accepted Answer

Yes. Finanzya tracks both assets and liabilities. You can track loans, credit balances, and other liabilities alongside your savings and investments — your net worth calculation accounts for both.

Question 19

What happens to my data if I cancel my subscription?

Accepted Answer

If you cancel Pro, you retain access to Pro features until the end of your billing period. After that, your account reverts to the free tier. Your data is not deleted — it remains in your account. You can export all your data via CSV at any time.

Question 20

Is Finanzya available in other languages?

Accepted Answer

Finanzya is currently available in English, French, German, and Spanish. The app interface is fully translated in these languages. Additional languages may be added in the future.

Simple, honest pricing.

Free

Pro

Pro Yearly

Asked & answered.

See where your money
is taking you.

Simple, honest pricing.

Free

Pro

Pro Yearly

Asked & answered.

See where your moneyis taking you.

See where your money
is taking you.