Frequently asked questions

FinPusula is a free personal finance app. Taking your salary, fixed costs, installments and savings goals into account, it shows you the money you can actually spend and your safe daily spending limit — not your bank balance. It runs in the browser and never asks for card details.

Yes, the core features are free. No card details required; you can try it instantly with demo data, then continue with your own. Some features — like the AI coach and advanced import — are part of the premium plan.

No, it runs in the browser. If you like, you can add it to your phone's home screen and use it like an app (PWA) — you get the same experience on desktop and mobile.

Yes. FinPusula is fully responsive: a wide sidebar layout on desktop and a phone-friendly layout on mobile. Your data syncs across every device where you sign in.

Yes — that's exactly what FinPusula is for. It lets you track installment purchases and loans on a single screen: the progress of each ongoing installment (e.g. 3/12), your total monthly installment load and your remaining total debt at a glance. Installments flow into your spendable balance automatically.

Yes. You see your ongoing installments and loans on one screen; the monthly load and remaining debt are calculated automatically and reflected in your real spendable balance. You clearly see which month each installment is on and when it ends.

Yes. With FinPusula's simulator you enter the amount, number of installments and card, and see the impact on your safe daily limit and upcoming months in clear numbers before you buy. So you answer “will this installment strain me?” in advance.

FinPusula sums your total monthly installment and loan load into a single number and compares it to your income. This load is deducted automatically in the spendable-balance calculation, so you clearly see how much of your salary is tied to installments and what's really left.

Yes. Credit card installments, personal/vehicle loans and your fixed costs all flow into your real spendable balance and safe daily limit automatically. As payment dates arrive, the remaining debt updates on its own.

No. There is no automatic bank connection; you add your data quickly by importing a statement or scanning a receipt photo. Control stays entirely with you.

Your data is stored on your device first (offline-first) and synced to secure cloud infrastructure when you sign in. Only you can access your data; FinPusula does not share it with third parties.

Yes. When you take a photo of a receipt or invoice, the category, amount and date are parsed and logged as your expense automatically. When you import a bank/credit card statement, installments, fixed costs and expenses are separated intelligently.

Yes. You can track assets including foreign currency, gold, stocks and funds; currency-denominated items are valued at the live rate and reflected in your total net worth. So you can see whether you're truly getting ahead amid inflation.

The safe daily spending limit is the number that shows how much you can spend per day until your next salary without breaking your goals and mandatory payments. FinPusula calculates it live from the days until payday, your fixed costs, installments and savings goal.

The AI coach looks at your category budgets and spending habits to give personalized, card-by-card, concrete suggestions — clearly showing where you overspend and how you can save. (It's a premium feature.)

Yes. You see bills, installments and loan payments on a payment calendar and get reminded before they're due — so you avoid late-payment interest and surprise charges.