Financial in Context
FINC reads the money records you already have and turns them into one clear answer: what came in, what went out, what's already spoken for, and whether this income cycle survives to the next one. Built for salary, freelance, gig and mixed income.
On phone and desktop
Everything in the phone demo, laid out for desktop — review, insights and net worth side by side. Live, with sample data.
The cycle recap
FINC answers the question most apps dodge: did this income cycle actually work? One verdict, one number, then the reasons — what came in, what went out, and what was left before the next income arrives.
Why am I broke again?
When a month feels short, FINC explains what changed — commitments that rose, a one-off you tagged, timing on a card bill — and frames it as cause, never blame.
Can I afford this?
Enter a purchase and FINC shows how your buffer to payday moves, whether it stays safe, and — if it tips you negative — how far it would draw from your reserve.
Money already spoken for
Subscriptions, installments and recurring bills — filter to any group, see what's due this month, how many months are left, and when the load eases.
Less data entry
When you add an expense, photograph a bank-transfer slip or receipt and the AI reads the amount, date and merchant for you. It also auto-categorizes your imported transactions, learning your merchants so it only asks once.
Stay ahead of the month
Set a monthly limit per category and watch it move in real time. A bill schedule shows which recurring bills — and installments — are already cleared this month, and which are still due.
The whole picture
Track your holdings across brokers, see them inside your real net worth, and project where you're heading — runway and FIRE outlook. A wealth view, not just an expense log.
Honest, never alarmist
Color carries meaning, never decoration. FINC tells you how sure it is and why — "Confidence: low — only one month of data" beats a false sense of precision.
Stable — enough room to breathe.
Okay, but limited. Worth watching.
Likely short unless something changes.
Known commitments exceed expected cash.
Private by default
FINC is built to earn trust with sensitive financial data. Privacy isn't buried in settings — it's visible in the product.
That's the bar. Open FINC, import a statement, and read the first honest answer about your cycle.