Finlynq
finance.paymentery.comMoney managed across bank statements, spreadsheets and apps that do not talk to each other: no single view of net worth, no precise answer to where this month's income went, and spending in several currencies reconciled by hand. Most ready-made alternatives upload the most sensitive financial data of all to an outside service the owner neither controls nor can locate.
The application now runs on Paymentery's infrastructure behind an encrypted connection, with a database never exposed to the internet and reachable only by the application itself, and a daily backup whose restore has been genuinely tested with every record verified to match. It works in dark and light themes across phone, tablet and desktop, and exposes a programmatic interface and a direct connector that let an AI assistant read the figures and answer questions about them without the data leaving the server.
What changed
Finlynq is a complete personal-finance application running in the browser and on mobile: accounts for assets and liabilities in multiple currencies, converted automatically into a single reporting currency; categorised transactions with monthly budgets showing spend and remaining balance per line; savings goals, loans with an amortisation schedule computing interest and payoff date, recurring subscriptions with renewal reminders, and an investment portfolio priced at live market rates. It imports bank statements in CSV, OFX and QFX with automatic column detection, a rules engine that categorises recurring transactions on its own, and reconciliation between the bank statement and the transaction ledger before anything is committed. Reports cover the income statement, balance sheet, cash flow and year-over-year comparison, alongside a financial-independence calculator with a thousand-scenario Monte Carlo simulation. Because financial data is the most sensitive thing there is to store, account, category and transaction names are encrypted per user before they reach the database.