Sound familiar?
These are the real frustrations people share on personal finance forums every day. Not because they're bad with money — but because the tools haven't caught up.
Money scattered, no single number
Bank, broker, crypto wallet, pension — your actual net worth lives nowhere because it lives everywhere.
The spreadsheet got too complex
You built a beautiful tracker. Then life happened, it got stale, and guilt made you stop opening it.
Four apps, still no full picture
One app for budgeting. One for stocks. One for crypto. One for the bank. None of them talk to each other.
Stable income, constant money anxiety
You earn well but the stress doesn't go away — because clarity, not income, is what kills financial anxiety.
Is my emergency fund actually enough?
"6 months of expenses" sounds right, but how many months does yours actually cover — right now, today?
Overpay the mortgage or invest?
Both options make financial sense. Without a model showing the real trade-off, you're just guessing.
Selfinance is built around these exact problems — a single dashboard that replaces the spreadsheet, the four apps, and the Sunday-night stress.
Net worth, budget, investments, and debt — connected
Stop switching between apps. Everything updates automatically so you always know exactly where you stand.
Emergency Fund Strategy
Build and maintain your financial safety net with customizable strategies tailored to your needs.
Customizable Asset Allocation
Define your emergency fund strategy with a mix of cash, bonds, currencies, and gold to balance liquidity and growth.
Monthly Expense Calculation
Automatically calculate how much you need based on your monthly expenses to ensure you have 3-12 months of coverage.
Progress Tracking
Visual indicators show your progress toward your emergency fund goal and suggest adjustments to reach it faster.
Emergency Fund
Current status: 4.2 months of expenses
Target: 6 months of expenses
Asset Allocation
From signup to clarity in minutes
Set it up once and watch your complete financial picture come together automatically
Create Account & Choose Plan
Sign up in seconds and pick a plan. Start your free trial — no credit card required.
Build Your Safety Net
Set your emergency fund target based on real monthly expenses and see exactly how many months you're covered.
Add Assets & Debts
Add stocks, crypto, real estate, mortgages, and other debts. Your net worth updates automatically.
Track Expenses Daily
Log expenses by voice via Telegram or manually. See needs, wants, and investments — and where your money actually goes.
Plans for every financial journey
Choose the plan that fits your needs.
Base
Perfect for individuals starting their investment journey
Included in all plans:
Pro
Ideal for active investors and growing portfolios
Included in all plans:
Custom
Enterprise solutions for professional traders and institutions
Included in all plans:
All plans include a 3-day free trial.
Frequently Asked Questions
Quick answers to common questions about our products and services.
Yes. Selfinance tracks everything in one place: incomes, expenses, assets (stocks, crypto, deposits, commodities, real estate, custom assets), liabilities (mortgages, loans, credit cards), and your budget. One dashboard, one subscription.
Data updates automatically hourly or daily depending on your pricing plan, so your net worth and portfolio always reflect the latest market data and your recent transactions.
Yes. Predefined categories are just suggestions — you can add your own, set whether each is a need, want, or investment, and adjust expected spending limits to match your real life.
Net worth is calculated by adding your total assets (investments, savings, emergency fund) and subtracting your liabilities (mortgage, loans, credit cards). It updates automatically as your data changes.
The Emergency Fund feature lets you define a monthly coverage target, then tracks your progress across all asset types — cash, currencies, commodities, deposits — and shows exactly how many months of security you have.
The AI analyzes your spending, income, and portfolio and gives actionable suggestions — like which budget categories to adjust or remove, and where your money leaks are. It can also generate optimized budget categories based on your actual spending history.
Yes. Use voice-to-expense via Telegram: send a voice or text message describing what you spent, and AI categorizes it automatically. No app-switching, no typing, no forgetting to log it later.
Yes. Selfinance natively supports USD, EUR, PLN, GBP, and CHF with automatic exchange rate conversion to your base currency. Built for multi-currency lives, not as an afterthought.
Use the mortgage overpayment simulator to model any scenario — change the monthly amount, see how your payoff date shifts, watch interest costs drop, and compare the outcome against your investment goals.
Yes. Define any savings goal, set a monthly contribution amount, and Selfinance simulates exactly when you’ll hit your target based on your current trajectory.