Financial Score
See your financial health in a single 0–100 score based on income-expense balance, debt level, and savings rate.
Features
Everything you need to master your finances
Powerful tools to help you take control of your financial future
Payment Reminders
Add your monthly expenses and let Fincend remind you before each due date. Rent, loans, bills — never miss a payment again.
Financial Freedom
See how much of your expenses your passive income covers, and how many years remain until full financial freedom — with an 8% annual return assumption.
Future Simulation
Adjust income, expenses, and investments to instantly see how your score and freedom timeline change. Test "what if" scenarios before making real decisions.
Debt Payoff Plan
See your debt-free date and compare avalanche (least interest) vs. snowball (most motivation) strategies to find what works best for you.
Safety Net
Track your emergency fund and see how many months of expenses your liquid assets can cover when you need them most.
How It Works
Three steps to financial clarity
Set up your profile
Download Fincend and add your income, monthly expenses, and any debts. It takes just a few minutes.
See your score & freedom timeline
Fincend instantly calculates your financial score (0–100) and shows how many years until your passive income covers all your expenses.
Simulate, remind & improve
Test scenarios, set payment reminders, track your safety net, and watch your financial health improve over time.
FAQ
Frequently asked questions
Fincend is a personal finance app that calculates your financial score (0–100) based on your income, expenses, debts, and savings. It also shows how many years until your passive income covers all your expenses — your financial freedom date.
Fincend calculates your financial score on a scale of 0–100 using three factors: income-expense balance, debt level, and savings rate. A higher score indicates stronger overall financial health.
Fincend compares your passive income to your monthly expenses, assuming an 8% annual investment return. It shows the percentage of expenses your passive income currently covers and the estimated years until full financial freedom.
Yes. Fincend provides a Debt Payoff Plan showing your exact debt-free date. You can compare the avalanche strategy (highest interest first, minimizes total interest paid) with the snowball strategy (smallest balance first, maximizes motivation).
Yes. Add your monthly expenses — rent, loan payments, utility bills — and Fincend will send you reminders before each due date so you never miss a payment.
Fincend supports multiple currencies. Users can select their preferred currency within the app, making it suitable for anyone regardless of their country.
Fincend is free to download with core features included. Optional premium features are available via in-app subscription through the App Store or Google Play.
Contact
Get in touch
Have questions? We'd love to hear from you.