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A calmer way to plan ahead

Know what is safe to spend before life happens.

FinKind looks ahead to paychecks, bills, card payments, goals, and the cash you want to protect—then gives you one clear answer for today.

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No bank connection required. No ads. No selling your data.

TodayPlan on track

Safe to spend today

$375after upcoming bills and $720 you chose to protect
90-day outlook$1,095 projected

Example only · fictional money

Look forwardPlan what is coming instead of rebuilding the past.
Stay in controlReview, correct, reconcile, and undo without shame.
Start manuallyBank connections are optional convenience, never a requirement.

How it works

A useful answer without turning money into homework.

You provide the few facts that change what your money can safely handle next.

  1. 01

    Add what you have

    Enter the current balances for the cash accounts and cards that matter.

  2. 02

    Schedule what is next

    Add paychecks, bills, card payments, goals, transfers, and your protected floor.

  3. 03

    See what is safe

    Use the 90-day forecast, test one change, and update balances when life happens.

Explainable by design

You should never have to guess why the number changed.

FinKind shows the scheduled money moves behind the answer. A card payment is clearly money leaving your checking account, even when it is also a transfer to a card.

  • See the lowest projected cash point before it arrives.
  • Reconcile by updating a balance—not categorizing every purchase.
  • Try a late paycheck or surprise expense without changing your real plan.

Plans

The safety answer belongs in Free.

Paid value comes from added convenience and reach—not taking clarity away.

FinKind Free

$0forever

A complete manual money plan

The useful safety answer is not a teaser and does not expire.

  • Every manual account and card needed for one complete plan
  • Scheduled income, expenses, transfers, card payments, goals, and reserves
  • Rolling 90-day forecast, explainable safe-to-spend, and reconciliation
  • One working scenario, secure synchronization, export, and deletion

No bank connection or payment method is required.

Start with Free

FinKind Plus

$6.99/ month or $59.99 / year

Less maintenance and more planning reach

Plus adds convenience and expansion without taking the core answer away from Free.

  • Optional reviewed imports and connected accounts
  • Longer forecast horizons and saved scenario comparisons
  • Multiple independent plans and advanced monitoring
  • Enhanced support and future approved collaboration features

Plus, its 45-day trial, and checkout arrive with a later release. The trial will give eligible web members 45 days of full Plus access without a payment method and return them to Free unless they explicitly subscribe.

Start with Free today

Common questions

Helpful without hiding the tradeoffs.

Do I have to connect my bank?

No. Manual planning is a complete product path. Connections will remain optional.

Do I need to categorize every purchase?

No. Update your actual balance to reconcile; categories are optional context.

Is the safe-to-spend number a guarantee?

No. It is a planning estimate based on the balances, dates, and assumptions in your plan. FinKind explains those inputs so you can correct them.

Does the demo use real financial data?

No. The public demo is fictional, isolated, and saved only in that browser.

Money help, without judgment

Make the next money decision with a little more room to breathe.

Try the fictional demo Create an account