Everything you need to understand your money
Net worth, budget, investments, emergency fund, and debt — connected in one dashboard, kept current automatically, and built for multi-currency lives.
One number for your entire financial life
Assets minus liabilities across every account, currency, and asset class — recomputed automatically as your data changes.
- Stocks, crypto, commodities, deposits, real estate, and custom assets
- Mortgages, loans, and credit cards counted against your total
- History and trend so you can see progress over time
Net worth
Total assets
$284,120
Liabilities
$54,619
Know exactly how many months you’re covered
Set a monthly coverage target and track progress across cash, currencies, commodities, and deposits — no guesswork.
- Coverage measured in real months of expenses
- Counts every safe asset type toward your runway
- A clear target instead of a vague “6 months” rule
4.2m
of 6.0m
Log spending without opening the app
On Pro, send a Telegram voice or text note and AI categorizes it for you — no app-switching, no forgetting to log it later.
- Voice or text capture via the Telegram bot
- AI assigns the category and need/want/investment type
- Custom categories that match how you actually spend
Logged ✓
$4.20 · Wants · Food & drink
Every holding in one allocation view
Track stocks, crypto, commodities, and funds together with live pricing, and watch your allocation and growth at a glance.
- Automatic price updates (crypto every 15 minutes; stocks, commodities, and currencies daily)
- Allocation across asset classes and currencies
- Auto-compound for deposits and interest-bearing assets
Should you overpay, or invest instead?
Model any overpayment scenario — see how your payoff date shifts, how much interest you save, and how it compares to investing.
- Change the monthly amount and see payoff move
- Total interest saved, calculated instantly
- Compare overpaying against your investment goals
Payoff sooner
−3y 4m
Interest saved
$18,402
Actionable suggestions, not just charts
On Pro, AI analyzes your spending, income, and portfolio and tells you what to adjust — which categories to trim and where money leaks.
- Budget categories generated from real spending
- Spending-leak and category-adjustment suggestions
- Payday strategy generated from your numbers
Built for money that lives in several currencies
Earn in EUR, save in PLN, invest in USD — Selfinance natively supports USD, EUR, PLN, GBP, and CHF with automatic conversion to your base currency.
- Five currencies supported natively
- Automatic exchange-rate conversion
- One consolidated net worth in your base currency
Consolidated net worth (base: EUR)
€211,840
Converted automatically at today’s rates
Free calculators for every money decision
Model the trade-offs before you commit — no account required.