What is Finantzak? Benefits for organising your money

Understand your money, from accounts to individual expenses

Bringing accounts, cash and cards together helps you review your situation without maintaining separate lists. Finantzak distinguishes income, expenses and transfers and lets you organise them by date, account, category and subcategory. Search and transaction details help you find a charge and correct its classification.

Financial analysis lets you review income, spending and their evolution by period and account. You can move from the summary to categories and their transactions to understand where a figure comes from. Transfers between your own accounts are not presented as new spending when both sides are considered. Results depend on the records you have added.

Personal finance: concepts and first steps

How to record and review your spending

Anticipate payments and track budgets and debts

Category budgets let you compare spending with your plan. The calendar and recurring transactions help you keep bills, regular income and due dates in view, while debts bring outstanding amounts and partial payments together. This lets you review commitments alongside everyday activity.

For example, you can prepare a grocery budget, record an annual renewal and track a partial debt repayment. These are organisational tools: scheduling a bill does not pay it at the bank, a forecast is not an available balance and setting a budget does not block purchases.

Build a monthly budget step by step

Work out a reserve for an annual bill

Toby: ask questions, analyse and act on your records

Toby is integrated with authorised Finantzak information and tools. You can ask it to find transactions, explain spending by category or query compatible accounts, budgets and debts. You can also explore cash-flow forecasts based on balances and planning, with the assumptions and limits of the available information.

When actions are enabled, it can record or modify compatible operations according to your permissions and confirmation mode. Example requests include “How much have I spent on groceries this month?” or “Record this 12 euro expense in the account I specify”. These are examples, not guaranteed results. Toby requires Premium, Internet, consent and quota; its conversational financial context is the authorised personal workspace.

Choose between local data, cloud and AI use

Connect documents with spending and import statements

With the corresponding access, you can save documents and attach receipts to compatible records, so you can review a purchase and its receipt together. Views offering export or PDF help prepare information for review outside the app. Files, attachments and exports are subject to plans, permissions and quotas.

The Premium website can import XLSX, XLS or CSV statements you supply, letting you review columns, dates and potential duplicates before confirming transactions. This avoids transcribing every row but requires review: exclude internal transfers that would duplicate amounts. It does not automatically connect to your bank. When enabled, Premium also provides access to the separate I Love Cosmick PDF service for working with PDFs, with its access notice and without automatically sending your Finantzak files.

Match receipts and invoices to your spending

Organise shopping and collaborate with clear boundaries

Shopping lists bring products, quantities and purchased items together; the accounting flow lets you connect them with transactions. Loyalty cards are organised within the app. Categories, icons and display preferences help adapt the organisation to the way you review money; some advanced options require Premium.

Shared workspaces support collaboration on compatible accounts, transactions, categories, budgets and attachments, governed by membership and permissions. Creating and managing a workspace requires Premium; participation without Premium depends on sponsored-workspace conditions. Not every personal module is shared. Financial notifications depend on access, settings and device permissions.

Choose local use or continuity between phone and web

Free personal local use on Android lets you start with records stored on the device. With Premium, personal sync and the web client make it easier to continue on compatible devices. You can open the website in a phone or desktop browser; this does not imply a native app exists for every platform.

You can distinguish what you keep locally from the online services you activate. Applicable consent is required before using Toby, and shared workspaces respect member permissions. Read the privacy policy and check sync before changing devices. Local storage does not mean Toby works offline or that sync is an independent backup.

Choose between local data, cloud and AI use

Use Finantzak in Basque, Spanish or English

Android and the website offer an interface in Basque, Spanish and English so you can organise your finances in your preferred language. On the website, select Euskara in the language selector; public Basque pages use finantzak.eus/eu/. You can also read the guides and frequently asked questions in Basque without signing in.

Distinguish the interface language from the information you enter: switching language does not translate your notes or convert amounts. The supported currency is EUR. You can keep your records and choose the language you find most comfortable for reviewing them.

What can you use it for?

You can record an account and its balance, add income and expenses, organise them by category and prepare budgets. There are also tools for debts and planning. Shared workspaces let people coordinate compatible records according to permissions; creating and managing these spaces requires Premium.

It may suit personal tracking, household planning or coordinating compatible expenses with other people. It does not provide an automatic bank connection: recording a transaction or transfer does not execute a real payment. If you need all transactions to arrive automatically from your bank, assess that requirement separately.

What is free and where is it available?

The free Android plan stores personal data on the device. Premium enables web access and personal sync. You subscribe from Android through Google Play; creating a web account does not activate a subscription. The Google Play listing shows availability for your account and device: this guide does not guarantee general access to a particular version.

This guide does not establish the availability of a published iOS app. Documents and Toby have access conditions, quotas and availability limits. Toby requires Internet access and consent for the applicable data processing; choosing Basque does not remove those conditions or make the assistant work offline.

Finantzak: personal finance app, demo and plans

How to check the app before choosing it

Start on the official website and try its interactive demo with fictional data. Review the language and the steps for recording an account, an expense and a budget. The demo is illustrative: it does not save data to an account and its Toby conversation is a simulation. Then check access conditions and availability on Google Play.

If you already have access, start with one account and a few transactions you can verify. Review dates, categories and the balance before adding more information. To check features or share a source with someone, use the official product reference, frequently asked questions and privacy policy linked below. This is a Finantzak team publication, not an independent comparison or a promise of savings.