Why Fyncora exists

Your spending, your goals, and your daily habits are deeply connected. Fyncora is the one place that treats them that way.

The story

I built Fyncora in Slovenia, and it started with a lie my own finance apps told me. I saved deliberately for months, bought the car I had been saving for, and every app reported that planned purchase as a financial collapse. A number that punishes you for following your own plan isn't measuring anything worth measuring — so I built the tool that tells the truth instead. The whole story is on the blog.

Fyncora is independent: no investors to grow for, no ad model to feed. I write the code and I answer the support email. That isn't a limitation — it's the reason the app can afford to be honest with you.

The problem

Most people manage money in one app, habits in another, and goals in a spreadsheet. Nothing talks to each other, so it's hard to see how a daily habit shows up in next month's spending — or whether you can actually afford the thing you're saving for. And the serious money apps — Monarch, Copilot, Rocket Money — don't even operate in Europe.

The approach

Fyncora brings budgets, debt, net worth, and investments together with the goals and habits behind them — plus an AI advisor that answers plain questions like "can I afford it?" using your real numbers. One app, instead of five. I built it EU-first: nine languages, eighteen currencies, euro pricing, EU hosting.

What I believe

• Privacy first: Your data is yours. I don't sell it, and Fyncora never asks for your bank login.
• Clarity over clutter: Powerful doesn't have to mean complicated.
• Honest by default: Transparent pricing, a public roadmap, honest numbers (a converted total says so), and no dark patterns.