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Take Control of Your Finances: Track Your Budget and Investments Seamlessly in One Place

We all earn and spend money, but few rely on a single financial institution. With accounts spread across banks, apps, and platforms, tracking total wealth on one screen is nearly impossible. If that sounds familiar, we may have a solution.

Why is it important to know your total worth?

Life has phases, and after the rush of the career phase, in our golden days, we reach the last chapter of our lives: retirement. Before that, we should prepare ourselves to do what we want with smart savings—without decreasing the quality of life in the golden phase.

Smart saving is possible with the right routine and planning. Seeing your total worth gives you a big-picture view of how much you have to make your dreams come true.

“Spend what is left after saving.” — Warren Buffett

At Finzen, we help you save easily and mindfully. Plan your present and future with us. Enjoy the flexibility of spreadsheets, privacy-first values, and mindful budgeting—all in one platform.

Three different account types

Finzen separates your money into three account types so your budget stays clear, your savings and loans stay honest, and your investments stay accurate.

What is on-budget?

On-budget is your everyday account—where you earn and spend your money. When you buy a cup of coffee, withdraw cash, or do a bank transfer, it belongs here.

You can feed your transactions into Finzen and see your envelope budget right in front of you. In two minutes, you can master your budgeting with spending reports so you know what to do to control your spending.

What is off-budget?

Off-budget separates your emergency funds, loans, and savings pots from your monthly envelope budget. It gives you a clear look at your monthly budget and a clean perspective on your savings pots.

Transfers between on-budget and off-budget accounts are handled intelligently:

  • Moving money to an off-budget account with a positive balance → treated as savings
  • Moving money to an off-budget account with a negative balance → treated as a debt payment

What is investment?

You invest something? No problem.

With Finzen, you can track investments with real-time market prices for automatic net worth calculations. Investments count toward your net worth, but they’re never part of the envelope budget or spending reports. You can see more in the Portfolio section.

Supported asset classes:

  • Stocks, ETFs, mutual funds, futures — 15,000+ stocks, 5,000+ ETFs, 10,000+ mutual funds, 2,000+ futures
  • Crypto — 10,000+ cryptocurrencies
  • Commodities — physical gold, silver, copper, palladium (in grams)
  • Forex — 150+ currency pairs

The solution

There are two sides to the scales: income and spending. To balance them, we keep a budget—whether on paper, a digital sheet, or just in our heads.

We do this for now, but we also invest in stocks, ETFs, cryptocurrencies, forex, and commodities with the future in mind. These investments fluctuate in value, making it tough to measure our total wealth. Working with a budget and investments is hard.

At Finzen, we’ve solved this by developing an app where you can track all your money—whether it flows into an investment or sits in PayPal, Revolut, or any other account—in a single dashboard. You can see all the details and insights with Finzen.

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