Frequently asked questions

Selfinance is a personal finance platform that brings your whole financial life into one dashboard — net worth, expenses and budget, investments, emergency fund, and debt. It turns scattered accounts into a single, always-current picture and offers insights to improve your financial health.

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.

Getting started is easy. Sign in with your Google account and go through a short onboarding — just your name and base currency; sensible defaults for expense categories, budget, and your emergency fund are set up for you. Then, in the dashboard, add your assets — crypto, stocks, bonds, and custom assets like real estate or watches — plus any liabilities such as mortgages, and adjust the defaults whenever you like. All calculations are handled automatically from there.

Selfinance is a fast, responsive web app that works great in any mobile browser — add it to your home screen for an app-like experience, and log expenses on the go in just a few taps.

Yes. Once you're in the dashboard you can add your assets, liabilities, and recurring items at any time. Moving from a spreadsheet usually takes a few minutes to recreate your accounts — and from then on Selfinance keeps everything updated automatically instead of by hand.

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.

For crypto and stocks, add your holdings on the respective pages — enter the current value and details, and we fetch the latest prices regularly to keep everything up to date. For custom assets like bonds, real estate, or watches, enter the current value, initial value, and any compound-interest details; if compound interest applies, it is calculated automatically.

Yes. Add liabilities such as mortgages, loans, or other debts by entering the current balance, interest rate, and repayment schedule. Selfinance tracks them and factors them into your net worth automatically.

Yes, you can track investments across assets like crypto, stocks, and bonds on any plan. Selfinance updates values and calculates asset growth based on market data — crypto prices refresh every 15 minutes, and stocks, commodities, and currencies refresh daily.

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.

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.

Yes. Connect Selfinance to Claude or ChatGPT (via the open MCP standard) and add expenses by chat — describe what you spent and AI logs and categorizes it for you. Adding an expense in the app itself also takes just a few taps.

Yes, on every plan. Connect Selfinance to Claude or ChatGPT with one connector URL (via the open MCP standard) and manage money by chat — add expenses, review your budget, and check your net worth or holdings. Every plan includes a daily AI allowance, with 5× the allowance on Pro.

A connected AI can read your profile, net worth, holdings, expenses, and categories, and add new expenses for you. It cannot edit or delete assets, move money, or change your account — those actions stay in the Selfinance dashboard.

On the Pro plan, 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. Selfinance natively supports USD, EUR, PLN, GBP, and CHF with automatic exchange-rate conversion to your base currency. It’s 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.

Yes, manual tracking is available on every plan, including Base. Add transactions whenever you need to log a cash expense — just open the Transactions tab and add one.

You can edit any transaction by clicking it in your transaction list — change the category, amount, or date, or add notes to keep your financial data accurate.

Market data updates automatically on every plan — crypto every 15 minutes; stocks, commodities, and currencies daily — so your net worth and portfolio reflect the latest prices and recent transactions. The Pro plan keeps your full history, while the Base plan keeps 3 months.

Yes. The Base plan includes one portfolio; the Pro plan supports up to five — handy for separating personal and household finances, or tracking distinct goals side by side.

Base ($6/month or $60/year) is built for manual tracking of a single portfolio with 10 items per asset type and 3 months of history. Pro ($9/month or $90/year) adds AI assistance (expense detection, payday strategy, and analysis), up to 5 portfolios with 100 items per type, and full history.

There’s no free tier. The Base plan is $6/month ($60/year) for manual tracking, and the Pro plan is $9/month ($90/year) and adds AI features, multiple portfolios, full history, and more.

Yes. Cancel anytime from your account settings. If you cancel, you keep access to your plan’s features until the end of your current billing period.

We accept all major credit cards, PayPal, and Apple Pay. All payments are processed securely through Stripe.

You can cancel anytime from your account settings and keep access until the end of your billing period — after that, no further charges apply.

Security is our top priority. We use bank-grade encryption to protect your data in transit and at rest, and we never sell your personal information to third parties.

Yes. You authorize access yourself by signing in with Google, access tokens are stored hashed, and a connected AI only ever sees your own data. You can revoke every connection anytime from Account settings with “Disconnect all”.

No. Selfinance never sells or shares your data with advertisers or other third parties. We only use your data to provide the services you’ve requested, and we take strict measures to protect it.

You’ll need to recover your Google account through Google’s account recovery process. Since we don’t store passwords, we recommend setting up Google’s recovery options to avoid any issues signing in to Selfinance.

Yes. You can permanently delete your account and everything in it at any time — your data stays yours.