Frequently asked questions
Got questions? We've got answers.
Everything you need to know about Finent, the set-aside calculator, and how your data is handled.
General
Finent is a personal budgeting tool built around your paycheck. Instead of showing a flat monthly summary, it organises your money around each pay period — telling you exactly what's due before your next payday and how much to set aside.
Budgeting by paycheck is free, with no time limit: your income, expenses, and what to set aside from every paycheck. Finent Plus is $4/month or $36/year and adds the forecast, your pay-period history, and the budget breakdown. You can cancel at any time and keep your data either way — see Pricing for the full comparison.
Yes. Finent is fully responsive and works in any modern browser on phones, tablets, and desktops. There is no separate app to install.
Yes. A confirmation link is sent to your email when you register. This protects your account and ensures we can send bill-reminder notifications to a valid address. If you don't see the email, check your spam folder or use the resend link on the login page.
Budgeting & your paycheck
Finent looks at your next payday and identifies every expense due between now and that date. It then tells you how much to reserve from your current paycheck so those bills are covered when they fall due — no mental maths required.
When you add an expense you give it a Type (Utility, Housing, Grocery, Subscription, etc.) describing what it actually is. For example, an electricity bill would be a Utility. This lets you see a detailed breakdown of where your money goes.
Data & privacy
Yes. All traffic is served over HTTPS. Passwords are hashed with PBKDF2-SHA256 and never stored in plain text. Rate-limiting and account lockout protect against brute-force attacks, and optional two-factor authentication is available. See the Security page for full details.
No — never. Finent does not sell, rent, or share your personal or financial data with any third party for commercial purposes. The only external services that touch your data are the Gmail API used to send transactional emails and, if you subscribe, Stripe to process the payment — and Stripe never receives your financial records. See our Privacy Policy for full details.
Yes to both. You can export your income and expense records as CSV or PDF at any time from the Export section. You can permanently delete your account and all associated data from Account → Personal Data → Delete Account. Deletion is immediate and irreversible.
Yes. You can import income and expense records from a CSV file via the Import section. This makes it easy to migrate from a spreadsheet or another tool without having to enter each record by hand.
When you enable bill reminders in your account settings, Finent sends you an email a few days before each expense is due. You can turn reminders on or off at any time from Account → Bill Reminders, and you can opt out entirely without affecting any other part of your account.