FinTRK turns the statements you already have into your household’s complete financial picture: cashflow, spending, and net worth, organized automatically. Then the Net Worth Atlas projects your wealth, retirement, and financial independence to age 100, and shows you which moves change the outcome. No bank logins. No spreadsheets.
Drop any statement
PDF or CSV · banks worldwide · no logins
Built for trust
Now works inside your favorite AI
Connect FinTRK once and bring your real accounts, spending, and net worth into the world’s smartest AI. It only ever sees what you allow, stays private to you, and you can cut the connection anytime.
One platform. Three jobs done.
Most apps stop at last month’s spending. FinTRK takes you from a raw statement all the way to a defensible plan for the next 40 years.
Upload statements from any bank, card, brokerage, or wallet. AI extracts every transaction, categorizes it, and de-duplicates against what you already have. Each account keeps its own currency and rolls up to one home-currency net worth.
An interactive cashflow Sankey shows income flowing into spending and savings. Spend analytics break down categories, merchants, and month-over-month trends, and the recurring radar surfaces every subscription quietly draining your account.
The Net Worth Atlas runs a month-by-month lifetime simulation: income, raises, contributions, debt payoff, inflation, and pensions. It finds your financial-independence age, stress-tests the plan across 400 markets, and reacts to every lever in real time.
The centerpiece
This is the part no budgeting app gives you. A living, month-by-month model of your whole financial life. Set your income and savings, drag your retirement age, adjust returns and inflation, and the entire curve rewrites itself instantly, including the year you become financially free.
Assets compound individually, debts amortize with real APRs, contributions grow with your raises.
See the exact age your invested wealth covers your spending forever, at 25x the 4% rule.
Stress-test the plan across hundreds of randomized markets and read your real success probability.
Every slider feeds one engine, so milestones, timeline, and three side-by-side futures stay in sync.
Projected net worth
$4.9M
Built for real life: multiple accounts, multiple currencies, messy statements, and a future worth planning for.
PDF, CSV, Excel, or a phone screenshot from any bank, card, brokerage, or wallet. AI parses the layout, extracts every line, and de-duplicates against your history.
Every transaction is auto-categorized into parent and subcategories. Correct one and FinTRK remembers, so your spending picture gets sharper with every upload.
Watch income flow into spending and savings in one interactive diagram. Hover any ribbon to trace exactly where the money went, down to the merchant.
Monthly stacked spending, category breakdowns, top merchants, and discretionary analysis. Slice any timeframe and every chart recomputes instantly.
FinTRK surfaces the subscriptions and recurring charges hiding in your statements, even ones that change name or amount, so nothing runs on autopilot unnoticed.
Every account in its own currency rolls up to a single home-currency net worth and balance sheet, with assets and liabilities tracked over time.
A single 0-100 score blends savings rate, debt load, and plan success into one honest read on how on-track your household really is.
Model pensions, Social Security, drawdown, and inflation. Find your financial-independence age and see how each lever moves it, in real time.
Connect ChatGPT, Claude, or any MCP-compatible AI to your private data and ask real questions about your cashflow, spending, and net worth in plain language.
From a raw statement to a complete financial plan in under a minute.
Step 01
Drop a PDF, CSV, Excel, or screenshot from any bank, card, brokerage, or wallet. AI parses even messy layouts in seconds.
Step 02
Every transaction is categorized, every recurring charge surfaced, every currency normalized. Cashflow, analytics, and net worth build automatically.
Step 03
Open the Net Worth Atlas, set your levers, and see your wealth, retirement, and freedom age projected to 100, then adjust until you love the outcome.
No screen-scraping. No bank logins shared with third parties. You upload statements you already have, and we process them privately.
TLS in transit, AES-256-GCM at rest. Every statement you upload is compressed and encrypted before it touches the database, kept for you to re-open or download, and wiped permanently the moment you delete it.
No Plaid, no Yodlee, no aggregator holding your online-banking credentials. You choose what to upload and what FinTRK ever sees.
Your transactions are not a product. They are never sold to data brokers, never used to train models. Delete your account and they are gone.
Your statements already hold the answers
Upload one statement and watch your whole financial life organize itself, then open the Net Worth Atlas and see exactly where today’s habits take you in 10, 20, and 40 years. Your data stays yours, private by design.
Private by design · Encrypted from upload to delete