Everything Yfiniq does — and what it deliberately doesn't.

• One ledger

  Accounts, cash and investments on a single, calm timeline — entered by you, never scraped from your bank.

  Add checking, savings, credit card and investment accounts, each in any ISO 4217 currency, and every transaction against them. Yfiniq has no bank integration and never asks for banking credentials — there is nothing to connect, and so nothing that can quietly stop syncing.

• Honest budgets

  Quiet green when on track. Honest red when over. Never a guilt notification.

  Set a limit per category and watch real spending against it. Yfiniq sends no notifications of any kind — there is no notification system in the product — so a budget is something you look at when you choose to, not something that interrupts you.

• Net worth, daily

  A single number that moves with you — and the small chart that explains why.

  Every account balance rolls into a single figure, with a chart of how it moved and a 30-day comparison. Investment holdings carry their cost basis and unrealised gains into the same total, so the number reflects the portfolio rather than ignoring it.

• Your categories

  Organise spending your way, and let the assistant file a transaction for you when you'd rather just describe it.

  Build the categories that match how you actually spend, then file transactions into them yourself or ask the assistant to do it. There is no automatic categorisation engine: nothing is ever filed without you or the assistant doing it deliberately.

• Ask in plain language

  “What did I spend on groceries in July?” — the assistant reads your ledger and answers, or records the transaction for you.

  The assistant has real, scoped access to your own data — it can read your ledger, add a transaction, create a budget or a goal, and undo the thing it just did. Anything destructive needs an explicit confirmation the server enforces, not just an instruction the model is asked to follow.

• Private by design

  Your data is scoped to your account by row-level security, and Yfiniq carries no advertising and no behavioural tracking.

  Every query is scoped to your account by Postgres row-level security, and that boundary is tested against a real database on each CI run rather than assumed. No advertising, and nothing that profiles your behaviour.

Dashboard

Your net worth as one figure, the chart explaining how it moved, a 30-day comparison, and a breakdown by account type — cash, savings, credit and investments.

Transactions

A searchable ledger. Search runs across descriptions, payees and notes; the tab row narrows to income, expenses, transfers or refunds; and you can select several rows at once to remove them together.

Budgets

A limit per category, with actual spend tracked against it and the share used shown plainly. Over budget is shown as over budget rather than softened.

Goals

Savings targets with the amount put aside so far and what is still outstanding.

Investments

Holdings with cost basis and unrealised gains, feeding the same net-worth figure as every other account.

Analytics

Income against spending over time, net savings, your best month, and a running total of net worth.

Categories

Your own categories rather than a fixed list, used by budgets, analytics and the assistant alike.

Businesses

Keep business records separate from personal ones inside the same account.

• No bank connection. There is no aggregator, and nothing ever asks for banking credentials — every account and transaction is one you entered.
• No automatic categorisation. There is no rules engine; transactions are filed by you or by the assistant when you ask.
• No notifications, reminders or alerts. Nothing in Yfiniq will contact you.
• No mobile app. Yfiniq is a web app that works in any modern browser.
• No paid plan. It is free while in early access, and there is no billing system to charge anything.

How your data is handled is covered on the security page, and the most common questions are answered in the FAQ.