Personal · Free to start
Track every penny.
Net worth, budget, check-in — your full financial picture, updated with a weekly ritual.
Net worth
44,732 PLN
Earned
4,200
Spent
2,840
Left
867
Business · For your company
Run your company.
P&L, inventory, payroll, tax — real business finance, connected to your personal net worth.
Revenue · MTD
+12,400 PLN
Expenses
8,200
Profit
4,200
Margin
33.9%
One app. Both worlds. Any currency.
Switch between profiles in one click. Business equity flows into your personal net worth.
⭐ Spotlight
Know your net worth, always.
Liquid, semi-liquid, illiquid, and debt — every account type in one snapshot. Updated each week with your check-in ritual. Always know where you stand.
Net worth
44,732 PLN
May 2026
‹ ›
📊 Analysis
Understand your patterns.
Budget vs. actual by category, 6-month trends, and a forward-looking forecast — so you know if you're on track before the month ends.
✏️ Weekly check-in
The ritual that changes everything.
Once a week, update your account balances. See what you earned, what you spent, and how much budget is left. Simple, deliberate, powerful.
Deliberate practice builds better financial awareness than passive bank sync ever could.
Good afternoon — weekly check-in
Earned
4,200
Spent
2,840
Left
867
💱 Multi-currency
Built for the cross-border reality.
Live ECB rates for 30+ currencies. Manual rates for everything else. Parallel rates (BOB alongside BOBP) for grey-market situations. Amounts always stored in original currency — converted only at display time.
- Auto-fetch from ECB (30+ currencies)
- Manual rates — never overwritten
- Parallel exchange rates (BOB / BOBP)
Exchange rates
💼 Business profile
Your company's cockpit.
P&L, inventory, payroll, and tax provisions — not just expense tracking, but real business finance management. And when you pay yourself a dividend, it flows straight into your personal net worth.
Add a businessP&L · May 2026
33.9% margin
Revenue
12,400
Expenses
8,200
Net profit
4,200
📦 Inventory
8,400 PLN
42 units · 34% est. margin
🧾 Tax reserve
1,260 PLN
Monthly provision · 3 rules
What's included
👤 Personal · Free for everyday use
- ✓ Unlimited transactions, check-ins & core budgets
- ✓ Net worth & Spotlight dashboard
- ✓ Up to 4 accounts, 3 currencies
- ✓ 12 months of history
- ✓ Forecast preview & 1 saved scenario
- ✓ Unlimited accounts, currencies & history
- ✓ Multi-scenario forecasting, longer horizons
- ✓ Full trend charts & investment P&L history
- ✓ Travel & trip tracking
- ✓ Proactive alerts & CSV/PDF exports
💼 Business · 30-day full trial
Extra profiles $17.50/mo each. Every feature unlocked during the trial.
- ✓ P&L, cash flow & net profit
- ✓ Inventory, batches & sales
- ✓ Payroll & employee management
- ✓ Tax provisions & liabilities
- ✓ Business equity → personal net worth
Everything bundle
Personal Plus + your business profiles, about 12% off buying separately. Annual plans run 30–40% below monthly.
FAQ
Is TãLFIN really free?
Personal is free for everyday use: unlimited transactions, weekly check-ins, and core budgeting — no credit card. The free tier caps accounts (4), currencies (3), history (12 months), and forecast depth; Personal Plus ($8/mo) removes the caps.
What does it cost?
Personal is free to start. Personal Plus is $8/mo (or $89/yr). Business is $30/mo per business profile with a 30-day full-featured trial, extra profiles $17.50/mo. The Everything bundle packs Personal Plus with your business profiles at about 12% off.
What about Business?
Business profiles are live today: P&L, inventory, payroll, sales and tax provisions. Start a 30-day trial with everything unlocked — no waitlist.
Do you connect to my bank?
No — by design. The weekly check-in is a deliberate ritual, and it means TãLFIN works in every country, with no bank credentials to hand over.
Which currencies?
30+ via ECB. Set manual or parallel rates (BOB, BOBP) for any cross-border situation.
What are the free tools?
Free calculators for mortgage overpayment, savings growth, and investment returns — no signup needed. Find them under Tools.
Browse the free tools →