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Take control of your finances

Track income, expenses, credit cards and loans. See your cashflow months ahead. Sign in to sync across devices and keep your data safe — or use without an account.

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Up and running in minutes

No install. No spreadsheet setup. Just open and go.

1

Add your regular money

Enter your salary, rent, subscriptions — anything that repeats. Finaura works out the monthly impact automatically.

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2

Add your cards & loans

Tell Finaura about your credit cards and any outstanding loans. Repayments and interest fold straight into your forecast.

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3

See your future cashflow

A clear month-by-month table shows your projected balance up to two years ahead — so you can spot tight months before they happen.

Everything you need, nothing you don't

Six powerful tools in one lightweight app — no install required.

📈

Cashflow Forecasting

See your projected income and expenses up to 24 months ahead. Recurring items, one-offs, and credit card payments all factored in automatically.

💳

Credit Card Tracker

Track balances and APRs across multiple cards. Model payoff scenarios with the built-in calculator and track 0% interest-free promotional periods.

🔁

Recurring Transactions

Set up regular income and expenses — salary, rent, subscriptions — and see their impact on your monthly cashflow automatically.

🏦

Loan Management

Track loans and repayment schedules. Repayments flow automatically into your cashflow forecast so nothing is missed.

📋

One-off Transactions

Log irregular income and expenses. Future-dated entries automatically appear in your cashflow projection at the right month.

🧮

Debt Calculators

Understand the real cost of debt. See how long minimum payments take, model fixed payoff plans, and compare interest costs side by side.

🔒 Your privacy, your choice

Use Finaura as a guest and your data never leaves your device — it lives entirely in your browser's local storage and we literally cannot see it. Sign in with Google and your data is securely stored in the cloud so it syncs across devices and survives cache clearing. Either way, there's no subscription and no selling your data.

✓ No subscription ✓ Guest mode: data stays local ✓ Signed in: syncs across devices ✓ We never sell your data

Frequently asked questions

Is Finaura really free?

Yes, completely. There's no subscription, no trial period, and no premium tier. All features are available to everyone.

Do I need an account?

No — you can use Finaura as a guest straight away. Your data stays in your browser. Create a free account if you want to sync across devices or protect against losing your data if you clear your browser.

Is my financial data safe?

Guest mode: your data never leaves your device — it's stored only in your browser's local storage and we have no access to it. Signed-in mode: your data is stored securely in the cloud, protected by the same infrastructure used by thousands of applications worldwide.

Does it connect to my bank?

Not currently — you enter transactions manually. This keeps things simple, privacy-friendly, and means there are no bank connection fees or third-party access to your accounts.

What currencies does it support?

Finaura supports GBP (£), USD ($), EUR (€), and several other major currencies. You can switch at any time in the app settings.

Can I export my data?

Yes — each transaction table has an Export button that downloads a CSV file you can open in Excel, Google Sheets, or any spreadsheet app.

Ready to take control?

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📦 You have existing data saved locally. Import it to your account to keep it safe?

Dashboard

Your financial snapshot at a glance

Total Income (one-off)
£0.00
0 entries
Total Expenses (one-off)
£0.00
0 entries
Net Balance
£0.00
Income minus expenses
Monthly Recurring (net)
£0.00
Approx. monthly surplus
Recent Income
DateCategoryAmount
No income yet
Recent Expenses
DateCategoryAmount
No expenses yet
Upcoming (next 14 days)

One-off Transactions

Capture one-off income and expenses. Future-dated entries appear in your cashflow forecast.

Add Entry
Future dates appear in your cashflow forecast
Transaction History
All
💰 Income
💸 Expenses
DateTypeCategoryDescriptionAmountForecast?
No entries yet

Recurring Transactions

Set up income and expenses that repeat automatically

Add Recurring Transaction
All Recurring
Upcoming (60 days)
TypeNameCategoryAmountFrequencyMonthly equiv.StartEnd
No recurring transactions yet
No upcoming transactions in the next 60 days

Cashflow Projection

Monthly forecast combining recurring items, one-off entries and credit card payments

Avg Monthly Income
£0.00
Recurring items
Avg Monthly Expenses
£0.00
Recurring items
Total Credit Card Debt
£0.00
0 cards
Next Month Net
£0.00
After all outgoings
Key: 🔁 Recurring Includes one-off entries (hover for detail) 0% Active interest-free deal
Net Cashflow by Month
Monthly Breakdown
MonthRec. IncomeOne-off Inc.Rec. ExpensesOne-off Exp.CC PaymentsNet CashflowRunning Total

Hover over any cell to see a breakdown. Past months shown at reduced opacity.

Add Credit Card

Save your cards — balances, APR and minimum payment rules. Use Calculators to model payoff scenarios.

Add a Card
The rate that applies after any 0% deal ends. Set up deals separately under 0% Deals.
No cards saved yet. Add your first card above.

Calculators

Model payoff scenarios and compare the cost of credit card debt

Min Payment Payoff
Fixed Payment Planner
Interest Comparison

See how long it takes to clear a balance making only the minimum payment each month.

Choose a fixed monthly payment and see exactly when you'll be debt-free.

Compare total interest paid across different monthly payment amounts.

Interest Free

Track promotional 0% periods on your credit cards — these are factored into your cashflow forecast

Active Deals
0
Currently saving you interest
Interest-Free Balance
£0.00
Total covered by active deals
Expiring Soon
0
Within the next 90 days
Expired Deals
0
No longer active
Add a 0% Deal
The amount covered by this deal. Interest is only charged on any balance above this.
Your Deals
No deals saved yet. Add your first deal above.
ℹ️ How interest-free deals work in your forecast

During the deal period, interest is only charged on any card balance above the interest-free amount. For example, if your deal covers £2,000 and your card balance is £2,400, interest is only charged on £400. If the balance is at or below £2,000, no interest is charged at all.

When the deal end date passes, your full card balance reverts to the standard APR. If you have multiple active deals on the same card, the amounts are combined.

CC Transactions

Record credit card charges and payments. Charges increase your card balance; payments reduce it. Both affect your cashflow forecast including interest and minimum payment calculations.

Add Transaction
Future dates appear in your cashflow forecast
Transaction History
All
DateTypeCardCategoryDescriptionAmountForecast?
No transactions yet

Loans

Track your loans and repayment schedules. Repayments appear as recurring expenses in your cashflow forecast.

Active Loans
0
Currently repaying
Total Borrowed
£0.00
Combined loan amounts
Monthly Repayments
£0.00
Estimated monthly outgoing
Completed Loans
0
Fully repaid
Add a Loan
Used for reference only — does not affect cashflow calculations
Leave blank if the loan has no fixed end date
Your Loans
LenderTotal AmountRepaymentFrequencyAPRStart DateEnd DateNote
No loans saved yet

Accounts

Track your bank accounts and savings. Current account balances seed the starting position of your cashflow forecast.

Current Accounts
£0.00
0 accounts
Total Savings
£0.00
0 accounts
Net Worth
£0.00
All accounts combined
Monthly to Savings
£0.00
Recurring transfers
Bank Accounts
Transfers
Add an Account
No accounts saved yet. Add your first account above.
Add a Transfer
No transfers set up yet.