Maybe you just started your career as a young professional, maybe you're managing big investments and assets in mid-life, or maybe you're thinking about retirement planning soon…

No matter what stage of life you're at, finance is one of the most important parts of it. Managing your finances well lays a secure foundation for a happy life.

You need a finance tracker.

A finance tracker not only keeps you on track with spending and budgeting but also gives you comprehensive financial clarity to feel financially secure.

Zero based budgeting is very popular in personal finance, because it is very simple but effective. Most of people can understand it easily and implement it in their daily life.

Budgeting tool like YNAB (You Need A Budget) is built around this concept, and it has been adopted by many people to manage their finances.

However, if you do not want to manage your finances in a religious way, you may find it hard to stick, and may not want to continue paying a high subscription fee for it.

Fina is built to be a flexible and powerful tool for personal finance, and we can implement it easily in Fina and use it in a flexible way.

When it comes to money — and life — nothing makes sense in isolation.

Building a brand-new product from scratch is hard — especially when you’re unsure if there’s market fit.

The harsh reality? Most of the time, people simply don’t care.

Repaying your debt can often feel challenging. That’s why making a plan to manage your payments and balances can help. Take a look at these tips and discover some small steps you can take today that may make managing your debt easier.

I like this quote from Wells Fargo and found it's relevant to Fina users. So here are expanded tips for managing debt effectively, along with how Fina can help you in each step.

At the heart of personal finance management is one essential task: tracking your transactions.

A big part of that is understanding your spending (or earnings) by merchant—so you can answer questions like:

• How much have I spent with a specific vendor?

• What does that look like over time?

• How does it break down by category?

Why Tags are Awesome?​

Unlike categories, tags offer freedom by nature. Whenever an idea or thought comes to mind, you can instantly add a tag to capture it.

Because of their flexibility, the most effective way to use tags is to map them to specific financial stories—real-life events that you want to track closely.

My friend Shaw once told me that his parents-in-law would be visiting in a few months. He’s super excited to share his life with them, but he also wants to keep an eye on how much he’ll spend—on hotels, meals, travel, fun activities, and more.

Categories are not enough for this purpose.

Multi-Profile Feature​

Multi-profile is a unique and exclusive feature of Fina. Till today, you won't find the similar power in other apps.

It allows you to setup complete different tracking system to manage different financial situations or projects easily.

For example, you can setup a profile for your personal finance, another one for your family finance, and a third one for your business finance. Each profile has its own independent tracking system, including categories and rules.

Many ways to share​

Fina allows you to share your account with guests, making it easy to collaborate with partners or clients on financial management. You can share your account in several ways:

1. Share a page: when you build a Fina page with insights, you can share it with anyone by sending them the page link. They can view the page without needing to log in to Fina if it's public accessible.

2. Share a category snapshot: setting up categories reflects your financial tracking phylosophy. You can share a category snapshot with anyone by sending them the link. This is a great way to show your financial tracking philosophy to potential clients or partners.

3. Share account access: if you want to give someone full access to your Fina account, you can invite them as a guest. Guests can view or edit your account, but they won't be able to change your password or delete your account.

Defacto Student Loan Debt in America​

Student loans totaled $1.774 trillion in the third quarter (Q3) of 2024; this represents 9.82% of all household debt. In total, Americans owe in excess of seven (7) times more in mortgage debt than they do student loans. Mortgage debt totaled $12.594 trillion in 2024 Q3 while auto loan debt totaled $1.605 trillion.