Built for Irish households
Your whole financial life. One clear view.
Bring your bank accounts, investments, pensions and property together. Understand your spending, plan ahead and estimate Irish tax.
- CSV imports
- No bank login required
- One shared household
From scattered accounts to a shared plan.
A calmer, simpler way to manage your money together.
Import your statements
Export a CSV from AIB, Revolut, Degiro or Trading 212, then import it into FinCú. The Import page shows where to find each one.
See the full picture
Bring your spending, savings and net worth into one household view.
Plan your next move
Explore goals, budget forecasts and Irish tax estimates.
What one clear view gets you.
Know where the money goes
Spending from every imported account is categorised for you. Tag a payee once and future imports follow.
- Monthly spending by category
- Budgets checked against what you really spent
- Bills, subscriptions and debts in one place
Watch your whole net worth
Bank, savings, investments, crypto, pensions, property, cars and debts — added up, with history.
- Bank balances update each time you import a fresh CSV
- Investment and crypto values refresh with market prices
- Mortgage balances roll forward month by month
Plan the big moves
PlusSet a home deposit target, see what you could borrow, and look a year ahead.
- Future Home: deposit progress and Central Bank lending limits
- Budget Planner with a 12-month forecast
- FIRE and net-worth forecasts from your real assets
Irish tax, estimated
PlusEstimates built on Irish rules, so the numbers match the decisions you actually face.
- CGT at 33% with the €1,270 annual exemption
- 38% exit tax on EU funds, with 8-year deemed-disposal dates
- Income tax, APSS shares, dividends and a tax calendar
Simple pricing. One plan per household.
Track everything free, forever. Plus adds the Irish tax suite and planning tools — and every new household starts with 30 days of Plus included.
Free
€0
forever
- Bank imports & auto-categorisation
- Dashboard, spending & budgets
- Net worth with full history
- Live portfolio, crypto & watchlist
- Savings, property, cars & debts
- Both of you, one household
Plus
€29.99/year
or €2.99/month · covers the whole household
- Everything in Free
- Irish tax suite — CGT, exit tax, income tax, APSS
- Budget Planner & 12-month forecasts
- FIRE & net-worth forecasting
- Future Home purchasing power
- Pension projections & automatic insights
No card needed for the trial. When it ends you stay on Free unless you subscribe — your data is never deleted.
Your data, handled carefully.
Most finance apps ask for your bank login. FinCú never does — you bring your own data as CSV files. It's stored on our server in Germany, and it's never sold or used for ads.
Exactly who handles what →- No bank logins or open-banking connections
- Hosted in the EU, with no ads, analytics or trackers
- Insights come from fixed rules — no AI service sees your data
- Export or delete everything, any time
Questions, answered.
Do I have to give FinCú my bank login?
No. You download a CSV export from your bank or broker and upload it. FinCú reads exports from AIB, Revolut, Degiro and Trading 212 today. Savings, pensions, property, cars and debts are entered by hand.
How up to date are my numbers?
Bank and broker transactions are as recent as your last import — upload a new CSV to bring them up to date, and the Import page shows when you last did. Investment and crypto values are refreshed with market prices separately, so they stay current between imports.
What happens when the 30 days of Plus end?
Your household moves to the Free plan automatically. All of your data stays, and every Free feature keeps working; Plus tools are locked until you subscribe.
Do I need a payment card to start?
No. Creating a household and the 30-day Plus trial need no card. If you choose to subscribe, payment is handled by Stripe and your card details never reach FinCú.
Can my partner see everything?
Yes. A household has up to two members and both see the same household data — there are no private accounts inside a household. Many pages let you switch between the household and each person.
Where is my data kept, and who processes it?
On a server in Germany, run by Hetzner. Resend sends password-reset emails, Stripe handles payment if you subscribe, and market-price providers are asked for quotes by ticker symbol only. Insights come from fixed rules — no AI service sees your data. Read the privacy policy.
Is this tax advice?
No. Tax figures are estimates based on current Irish rules, to help you plan. For decisions with real money at stake, check with Revenue or a qualified adviser.
Bring your household's money into one clear view.
Start free, or look around the demo first.