A sure thing beats a likely one
Paying down expensive debt returns its interest rate, guaranteed. Markets have returned more on average — but not reliably, and not on your schedule.
Personal finance, in order
Every money app shows youwhere it all went.This one tells you what to do next.
Money problems have to be solved in an order, and doing them out of order costs real money. Financero puts your finances on an eight-step path drawn from the evidence, shows you which step you are standing on, and is honest about what is not worth doing yet.
No ads, everYour data is never soldMade in Slovakia
Your path
See where it goes
Spend less than you earn
First month set aside
- 4
Clear the expensive debt
Clearing this beats investing — a guaranteed return no market reliably matches.
- 5
Protect what you have
- 6
A full safety net
- 7
Automate the gap
- 8
Put it to work
Why the order matters
Investing while you carry a card at 20% loses money. It doesn't matter how good the fund is.
That's arithmetic, not opinion — and it's the shape of almost every expensive financial mistake. The most reliable finding in personal finance isn't a stock pick or a clever budget; it's that these things have a sequence, and skipping ahead quietly costs you. Most apps hand you eleven charts and leave the ranking to you. Financero does the ranking, and says plainly when something isn't your problem yet.
A buffer is what stops a spiral
One month of expenses in cash is the difference between a bad week being an inconvenience and it becoming debt you spend a year clearing.
Protect the income first
Across a working life you're far likelier to lose your income to illness or injury than to die. It's the step people skip most, and the most expensive one to skip.
Financero isn't financial advice, and it will never sell you a product. The path is built from published, independent research, and every step shows which figures it's reading from your own ledger.
Underneath
The advice is only as good as the ledger beneath it
Which is why the boring part is built properly. Multi-account, multi-currency, recurring detection, budgets that roll over, real import and export. All of it feeds one thing: knowing where you actually stand.
§ 01
Multi-account ledgers
Personal, work, and savings accounts in one place. IBAN, bank name, currency, and balances — all kept separate, all in sight.
§ 02
Editorial statistics
Weekly, monthly and yearly breakdowns with category charts and balance trends. The numbers you need, laid out like a statement.
§ 03
Recurring transactions
Daily, weekly, monthly or yearly — every subscription, salary and bill posts itself automatically, on the exact day.
§ 04
Saving plans
Name a goal, set a target, and link transactions directly to your plans. Watch your progress move with every deposit.
§ 05
Multi-currency
EUR, USD, GBP, CHF, CZK, PLN, HUF, CAD and MXN, converted on the fly with real-time ECB exchange rates.
§ 06
Instant search
A command palette with filters for date, amount, category and account. Find any transaction in a heartbeat.
§ 07
Budgets with rollover
Set monthly limits per category, with optional rollover for the months you come in under.
§ 08
Financero Insights
PremiumReads your own transactions to explain why the current step matters for you — not generic advice with your name on it.
§ 09
Custom categories
39 thoughtful defaults with icons — fully editable. Create, rename and reshape them around how you actually live.
§ 10
Wealth Hub
PremiumCash flow forecast, net worth, assets and debts, and a payoff simulator. The long view, finally clear.
§ 11
The path, and the score
PremiumEight ordered steps that say what to do next, plus an eleven-pillar score that shows the working behind it.
§ 12
Import & export
Bring your existing records in from CSV or XLSX, and export any view back out with one click. Your data, always yours.
How It Works
Three steps. Under a minute. Ready to go.
A quick, optional onboarding sets your preferences and first account. No bank integrations to beg for, no connections to renew every two months.
- 01
Open your account
Sign up in seconds — no credit card, no hidden fees. A short onboarding wizard sets your language, currency and first account, then you're in.
- 02
Log what you earn and spend
Add transactions as they happen. Assign a category, a note, and — if you want — a receipt image. Recurring lines post themselves.
- 03
See what to do next
Financero works out which step of the path you're on, why it matters given your own spending, and what isn't worth your attention yet. Charts are there when you want the evidence.
Pricing
One plan. Everything in it.
Try every feature free for 14 days — no card required. Keep it for less than a coffee a month.
All features
Financero
€2.42/ month
Billed annually at €29
The path, the score behind it, and a ledger serious enough to trust them both.
- Unlimited transactions & bank accounts
- The eight-step path, plus the eleven-pillar score behind it
- Wealth Hub — cash flow, net worth, debt simulator
- Recurring detection & subscription audit
- Budgets, saving plans & custom categories
- Multi-currency with live ECB rates
- CSV import & export, priority email support
No credit card required
The price shown is what you pay, billed in your account's currency. Cancel anytime — access continues until the end of your billing period.