Know how much money you really have — in every currency
Say what you spent in Telegram. Fintrek records it in the right currency, at the rate you actually got, and shows one honest total. Nothing is saved without your “yes”.
- First month free
- No bank connection
- Setup in a minute
Access is by request: tap the button, press Start, and we confirm you right in the bot.
Sound familiar?
Most money apps are built for one currency and one bank. Life between countries looks different.
Money in three currencies, no single total
Dollars on a card, lira in cash, some USDT — and no app adds it up the way you see it.
The app’s rate is not your rate
Apps convert at the internet rate. You changed money at a kiosk or sold USDT to a person — so the totals never match your wallet.
Typing every coffee gets old
A spreadsheet works for two weeks. Then a busy day happens, and the habit is gone.
How Fintrek solves it
Three steps, a few seconds. One rule makes the numbers trustworthy: nothing is saved until you say yes.
Voice or a short line in Telegram
Expenses, income, exchanges, money you lent or got back — in your own words, several at once.
See exactly what will be recorded
Amount, currency, category and date come back as a card. If something is unclear, the bot asks one short question.
One tap — it is in your books
Your total and today’s budget update at once. Changed your mind? Cancel it; the original stays in the log.
Your rate, not the internet’s
Both sides of every exchange are stored, so the rate is the one that really happened.
Nothing without your “yes”
The assistant suggests, you confirm. It cannot write to your books on its own.
History is never rewritten
Yesterday’s purchase keeps yesterday’s numbers, whatever the rate does tomorrow.
One honest total, in the currency you think in
Every currency you use, side by side, converted with rates you set yourself.
- Dollars, euros, lira, lari, rubles, USDT and 150 more — on any record.
- Exchanges keep both amounts, and the bot offers to update your rate after each one.
- Debts in any currency: part payments and a clear line for what you are owed.
| Currency | On hand | Your rate | In USD |
|---|---|---|---|
| US dollar | 1,240.00 | 1 | 1,240.00 |
| Turkish lira | 9,744.00 | 41.00 | 237.66 |
| Tether USDT | 600.00 | 1.02 | 588.24 |
| Euro | 310.00 | 0.92 | 336.96 |
| Total | 2,402.86 |
What you see
A monthly report arrives in Telegram on the 1st. The dashboard opens right inside Telegram — light or dark.
Dashboard screenshots show the current Russian interface with sample data; the English interface is on the way.
Built around the things people give up on
Several expenses in one message
“Cigarettes 100, groceries 200” — one card, one tap.
How much is left for today
A daily limit that ignores rent and other fixed payments.
Money lent and borrowed
Part payments, several debts with one person, nothing lost.
Monthly reconciliation
Count your real money; any gap becomes a correction, never fake income.
Questions in plain language
“Why did I spend more this week?” — answered with your own numbers.
Your data, any time
A spreadsheet and a full copy of everything, sent to your chat.
Not ready for a bot? Take the free budget template
A clean monthly budget for Excel and Google Sheets that understands several currencies — with your own exchange rates, a plan per category and a one-page summary with charts.
- Any currency on any line
- Your own exchange rates
- Plan vs actual, with charts
- Prints on one page
Same thing, without typing: say it to the Fintrek bot. Open in Telegram →
Fintrek, a spreadsheet, or a typical budget app?
| Fintrek | Spreadsheet | Typical budget app | |
|---|---|---|---|
| Record by voice, wherever you are | ✓ | ✕ | rarely |
| Your own exchange rate on every exchange | ✓ | by hand | no — internet rate |
| Shows the record before saving it | ✓ | — | ✕ |
| History never rewritten | ✓ | by hand | ✕ |
| Works without a bank connection | ✓ | ✓ | often not |
| Monthly report sent to you | ✓ | ✕ | sometimes |
Pricing
Everything included, no card needed. Access is by request: tap the button and we confirm you in the bot.
or $49 a year — save 18% (≈ $4.08 a month). Cancel any time. Export of your data always stays free.
Questions
Do you connect to my bank?
No. Nothing to reconnect every few weeks and no bank password shared with anyone. You record by voice or text, or import a bank statement file and review it before saving.
Which currencies are supported?
More than 150, including dollars, euros, lira, lari, rubles and the USDT/USDC stablecoins. You choose one main currency for totals and can spend in any.
How do exchange rates work?
You type your rate once per currency. After each exchange the bot offers to update it to the rate you actually got. Past records keep their numbers.
How much does it cost?
The first month is free, no card needed. Then $4.99 a month or $49 a year. Export of your data always stays free.
Who sees my data?
Your records are stored separately from everyone else’s. The phrases you send are processed by Claude (Anthropic) to understand them; voice is transcribed on Cloudflare. Telegram chats are not end-to-end encrypted. No ads, no selling data. Details: “Your data”.
What if the bot gets it wrong?
Nothing is saved until you confirm the card. You can edit or cancel any record in the dashboard; the history keeps the original.
Can I export or delete my data?
Yes. Export sends a spreadsheet and a full copy to your chat at any time. Deletion sends a copy first and gives you 7 days to change your mind.
Do I need Telegram?
Yes, for now: the bot and the dashboard open inside Telegram. Web login is planned.
Can I share a budget with my partner?
Family mode is planned. Today each person has their own private books.