User Guide & Documentation
Getting Started
New to finTrack? Follow these steps to get your account fully set up in under 5 minutes.
Create your account
Complete the setup wizard
Add your first account
Configure payroll settings (optional)
You're live!
finTrack is local-first — your data is stored in your browser's secure IndexedDB storage. Nothing leaves your device unless you explicitly enable Cloud Sync. You own your data completely.
AI Setup Wizard✨AI
When you first sign in, finTrack runs a short AI-powered wizard that builds your chart of accounts and starter budget automatically — tailored to your country, industry, and business structure. No accounting knowledge required.
AI Account Generation
The wizard collects a few details about your business, then sends them to the AI which selects the most appropriate accounts from a curated library. The result is a complete chart of accounts — assets, liabilities, income, and expense categories — ready the moment you land on the dashboard.
Country-aware accounts
Sri Lanka gets WHT Payable and WHT Receivable. Australia gets a GST Payable account. EU businesses get VAT Liability. The AI picks the right compliance accounts for your jurisdiction automatically.
Business persona matching
A freelancer gets Accounts Receivable, Service Revenue, and a Client Deposits account. A product business gets Inventory, COGS, and Accounts Payable. The AI skips accounts that do not apply to your setup.
Legal structure awareness
Sole traders and partnerships get Owners Equity and Drawings accounts. Companies get Share Capital and Retained Earnings. The equity section of your balance sheet is correct from day one.
Fully editable afterwards
Every generated account can be renamed, recategorised, or deleted from the Accounts page. The AI suggestion is a starting point — adjust it to match your actual business structure.
AI Budget Setup
After accounts are created, the wizard moves to budget setup. The AI proposes monthly income and expense targets based on your country, business persona, and (optionally) your estimated monthly revenue — with savings-rate tips targeted at your highest-spend categories.
Complete your profile
Review AI-generated accounts
Review AI budget suggestions
Enter opening balances
You can re-run any part of the wizard from Settings → Setup Wizard if you need to update your business profile or regenerate your accounts for a different structure.
Multi-Entity & ScopesNew
finTrack supports rigorous multi-entity fund accounting. You can manage personal finances alongside multiple distinct business profiles (e.g., Freelance, E-commerce, LLCs, or Partnerships) under a single workspace with strict ledger segregation.
Defining Your Scopes
Navigate to Settings → Entities & Scopes to configure your wealth and business scopes:
Personal Wealth Scopes
Toggle personal income streams on or off: Employee (W2 / Salary), Freelancer, and Personal Investments.
Registered Business Profiles
Create distinct business entities (e.g., "KP Youtuber", "Tech Agency LLC"). Each profile maintains an isolated Chart of Accounts generated automatically.
Contextual Transaction Entry
When recording any transaction or journal entry, select the appropriate scope at the top of the form. The account and category dropdowns automatically filter to display only accounts belonging to that scope, eliminating cross-contamination.
Inter-Company Transfers
When moving funds between entities (e.g. transferring capital from your LLC bank account to your Personal account), the transaction form supports cross-entity destination selection. The engine automatically posts balancing "Due To / Due From" inter-entity clearing entries.
Dashboard
Your financial cockpit. The dashboard gives you a real-time picture of business health at a glance.
Pulse Card
Live metrics — net profit, burn rate, and cash position. Updates as you record transactions.
Today's Tasks
Your most urgent pending tasks surfaced automatically. Click any task to open the detail view.
Recent Transactions
The last 10 transactions across all accounts. Click to drill into the full ledger.
Income vs. Expense Chart
A rolling 6-month bar chart showing your revenue and expense trends side by side.
Voice Entry ✨AI
Say "Spent $50 on Uber for client meeting" and the AI parses amount, category, and account automatically.
Receipt Scanner ✨AI
Upload a receipt photo. We extract merchant, date, and total to create an audit-ready record.
Transactions & Accounts
The core of your financial record. finTrack supports both simple cash-flow logging and full double-entry accounting.
Recording a transaction
Open Transactions from the sidebar
Fill in the basics
Use Journal Mode for complex entries
Accounts
Navigate to Accounts to create and manage your chart of accounts. Each account tracks its own running balance.
Contacts & Vendors
Link transactions to contacts (clients or vendors) from the Contacts page. This powers the customer spending reports and vendor payment history.
Opening Balances
Opening balances anchor your chart of accounts to the real world. Set them once when you start using finTrack, and your Balance Sheet is correct from day one — no manual journal entries required.
What are opening balances?
Every account needs a starting point. If your business bank account held $12,500 on the day you began using finTrack, that $12,500 is its opening balance. finTrack records it as a special balanced journal entry — so it appears on your Balance Sheet correctly without inflating your income or expense figures.
How to enter opening balances
Open the Opening Balances page
Enter your asset balances
Enter your liability balances
Save
Safe to re-run
Made a mistake? Go back and correct it. When you save again, finTrack automatically removes the previous opening-balance journal before posting the new one — so there is never any risk of double-counting your starting figures.
Asset vs. liability split
The page separates accounts into two groups — assets (what you own) and liabilities (what you owe). Enter positive numbers for both; finTrack applies the correct debit/credit treatment automatically based on account type.
Opening balances represent your position before you started using finTrack — not ongoing transactions. Do not re-enter them for cash received or paid after your start date. Use the normal transaction form for those.
Categories
Categories classify every transaction as a specific type of income or expense. They drive your reports, budgets, and AI analysis — so keeping them well-organised matters.
Managing categories
Navigate to Categories from the sidebar. You will see all your income and expense categories with their transaction count and this month's spend.
Parent & Sub-categories
Organise categories into a hierarchy. For example, a parent "Operating Expenses" with children "Rent", "Utilities", and "Salaries". Reports can roll up to the parent level.
Usage Counts
Each category shows how many transactions are linked to it this month. High-volume categories are easy to spot at a glance.
Voice Creation
Use the voice button on the Categories page to create a new category by speaking — the AI parser extracts the name and type.
Safe Deletion
finTrack prevents deleting a category that has transactions linked to it. Reassign those transactions first, then delete.
Invoicing & Quotes
Create professional quotes, invoices, and credit notes. Send them to clients, track payments, and automate recurring billing — all in one place.
Quotes (Pro Forma)
Send a quote before work begins. Convert it to a final invoice in one click once the client approves.
Final Invoices
Sequentially numbered (INV-0001, INV-0002…). Track status through Draft → Sent → Overdue → Paid.
Credit Notes
Issue a credit note against any paid invoice for returns or adjustments. Amounts are automatically negated.
Recurring Invoices
Set up a template that auto-generates invoices on a schedule — weekly, monthly, or custom intervals.
Creating an invoice
Open Transactions and select Invoice type
Fill in client and line items
Save as Draft or Send
Track and mark as paid
Auto-overdue detection
finTrack automatically transitions any Sent invoice past its due date to Overdue status. These appear highlighted on the Transactions page so you can follow up promptly.
Recurring invoices
Create a recurring profile
Auto-generation
Free plan users can create up to 5 invoices per month. Pro and Business plans have unlimited invoices.
Quote Calculator & FX TrackingNew
Two tools for cross-border freelancers and SMBs: a reverse-compound quote calculator that tells you exactly what to charge a client, and automatic FX gain/loss tracking on your invoices.
Quote Calculator
Start with the amount you want to land in your bank account after all deductions. The calculator reverse-compounds platform fees, withholding tax, and transfer fees to tell you what to quote the client.
Enter your desired net amount
Select platform and withdrawal method
Set WHT rate
Get your gross quote
Multi-Currency FX Gain/Loss Tracking
When you create an invoice in a foreign currency, finTrack records the billing FX rate at that moment. When you mark the invoice as paid, it records the payment FX rate. The difference is your realised foreign exchange gain or loss — shown on the dashboard in the FX Impact widget.
FX gain/loss tracking is automatic — no extra steps required. The rates are fetched from the open-source Frankfurter API (ECB data) at the time of each action.
Inventory & Barcode Management⭐Pro
Track physical products, manage real-time stock levels, scan barcodes via mobile camera or USB scanners, and receive proactive low-stock reorder warnings.
High-Speed Barcode & QR Scanning
Scan EAN-13, UPC-A, Code-128, and QR codes instantly using your device camera or plug-and-play USB barcode scanners for stock-in, stock-out, and physical audits.
Reorder Point & Expiry Alerts
Automated notifications when SKU quantity drops below safety stock levels or when batch lots approach their expiry date.
Adding Products & SKUs
Navigate to Inventory
Define product specifications
Assign Barcode or Generate Label
Stock Adjustments & Invoicing Sync
Inventory is deeply integrated with the Invoicing engine:
- Automatic Deductions: Dispatching or marking an invoice as paid automatically decrements quantity on hand.
- Manual Adjustments: Log stock-in receipts, damages, returns, or write-offs with audit notes.
- COGS Calculation: Automatically updates Cost of Goods Sold (COGS) in your Income Statement based on weighted average cost.
Inventory tracking is available on Pro and Business tiers. Multi-warehouse stock tracking and custom barcode printing are supported on Business plans.
Importing Data
Migrate historical records from your bank or spreadsheet into finTrack using the CSV importer — no data entry required.
Importing a CSV file
Export from your bank
Open the importer
Upload and map columns
Review and confirm
Avoid importing the same date range twice — finTrack does not auto-deduplicate. Use the date filter in the review grid to exclude already-imported rows.
Fixed Assets Register
Track capital assets, calculate depreciation automatically, and record disposals — keeping your balance sheet accurate without manual journal entries.
Adding an asset
Open the Assets register
Enter asset details
Choose a depreciation method
- Straight-Line (SLM): Equal charge each year. Best for assets with uniform usage (e.g. office furniture).
- Written Down Value (WDV): Higher charge early, declining over time. Reflects technology assets that lose value quickly (e.g. laptops).
- None: No depreciation posted — use for land or non-depreciable items.
Set useful life and salvage value
Posting depreciation
Click Post Depreciation on any asset to record the current period's charge as a journal entry (Debit: Depreciation Expense; Credit: Accumulated Depreciation). The asset's net book value updates automatically.
Disposing of an asset
Click Dispose on any active asset. Enter the disposal date and proceeds received. finTrack calculates the gain or loss automatically (Proceeds − Net Book Value) and posts the closing journal entries in one click.
Asset statuses — Active, Fully Depreciated, Disposed, Written Off, Held for Sale — are tracked automatically so your register always reflects the current state of each item.
Wealth & Multi-Asset Investments⭐Pro
Consolidate your complete balance sheet beyond liquid bank accounts — track public equities, cryptocurrency, real estate, precious metals, and private venture notes in one unified view.
Multi-Asset Class Portfolio
Track stocks, crypto, commodities, real estate, and venture debt with real-time valuation updates and multi-currency cost basis conversion.
Target Asset Allocation & Rebalancing
Define target weighting percentages across asset buckets. finTrack highlights allocation drift and suggests exact rebalancing orders.
Adding Investment Holdings
Open Wealth Dashboard
Record purchase or position
Monitor Net Worth Trajectory
All investment values can be isolated per legal entity or aggregated globally across personal and corporate scopes.
Reconciliation
Match your finTrack records against external statements to catch errors, duplicate entries, or missing transactions before they affect your reports.
Bank Reconciliation
Compare your ledger against a bank statement. Mark cleared items and investigate discrepancies.
Supplier Reconciliation
Reconcile your accounts payable balance against a supplier's statement to resolve disputed amounts.
Internal Reconciliation
Match transactions between two of your own accounts — useful for intercompany or sub-account balancing.
Running a bank reconciliation
Set up the statement
Match transactions
Investigate differences
Complete the reconciliation
Custom reconciliation rules
Open Rules in the reconciliation toolbar to define automatic matching rules. For example: "If description contains 'Stripe' and amount is within ±$1 of the statement line, auto-match." Rules run on every future reconciliation of that account — saving hours of manual work on recurring items.
Reconciled transactions are locked and cannot be edited without breaking the reconciliation. This protects the integrity of your audit trail.
Payroll
Run payroll, generate payslips, and maintain a full payroll history — with automatic statutory deduction calculations for your country.
First-time setup
Choose your country preset
Add employees
Customise pay items (optional)
Running payroll
Select the pay period
Review the payroll grid
Finalize & post
Download payslips
finTrack supports payroll for 11 countries including Sri Lanka, United States, United Kingdom, Singapore, India, Australia, Canada, Malaysia, Philippines, Germany, and Nigeria. Select Custom to configure your own pay items from scratch.
Payroll History
Every payroll run is saved with the period, employee count, gross pay, total tax, and net payable. You can download payslips for any past run at any time from the History page.
Tax Filing
Calculate tax liabilities directly from your recorded transactions and manage filings across multiple tax regimes.
Setting up tax regimes
Go to Tax → Settings to configure your tax regimes. A regime defines the rules for a specific tax type (e.g. Corporate Income Tax, VAT, Withholding Tax). You can have multiple active regimes at once.
Creating and managing filings
Create a new filing
Recalculate tax liability
Review and export
Mark as filed
Recording Withholding Tax (WHT)
Use the Record WHT button on the Tax dashboard to log a withholding tax transaction. Enter the gross amount and WHT rate — finTrack automatically calculates the net payment and the WHT liability, then books a three-way journal entry.
Multi-Jurisdiction Statutory Audit File Generator
finTrack features a dynamic, streaming statutory audit file generator supporting OECD SAF-T (UK HMRC), Singapore IRAS IAF, UAE FTA FAF, and Sri Lanka RAMIS IRD formats.
- Non-Blocking Web Worker Streaming: Chunked background processing assembles 50,000+ entries without browser latency.
- Dynamic Compliance Exception Inspector: Flags missing counterparty Tax IDs or invalid tax codes prior to file generation.
Tax calculations are based on the transactions and regime rules you have configured. Always have a qualified accountant review filings before submission to your local tax authority.
WHT Tracker⭐Pro
A dedicated module for managing Withholding Tax (WHT) remittances. Navigate to WHT Tracker from the sidebar's Confidence section.
How it works
finTrack groups your WHT transactions by calendar period (monthly). Each period shows the total WHT deducted, the due date, and its filing status — Pending, Filed, or Overdue.
Tag WHT on transactions
Review the period table
Filter by business activity
File a period
Pending
WHT deducted but not yet remitted to the tax authority. Shown in amber.
Filed
Remittance confirmed — reference number and receipt saved to the record.
Overdue
Due date has passed without a filing. Highlighted in red on the period table.
The WHT Tracker is a compliance aid. Always cross-check your remittance amounts against the official forms required by your tax authority before submission.
Auditor Workbench & Segregation of DutiesNew
finTrack features an enterprise-grade forensic auditing and internal control system adhering to PCAOB AS 2110 standards — providing automated statistical risk detection, digital voucher drawers, and immutable cryptographic trails.
Wasm Statistical Anomaly Engine
Executes client-side Z-score outlier detection and Benford's Law distribution analysis across 100% of ledger entries in milliseconds, surfacing abnormal debit/credit spikes.
Query Inbox & Vouching Drawer
Auditors and accountants can raise digital review queries directly on ledger lines. Attach evidence, examine invoice match tolerances, and sign off electronically.
Segregation of Duties (SoD) & Role Permissions
Invite independent accountants or external auditors from Settings → Team with the dedicated Accountant role. Enforced at the database level via Supabase PostgreSQL Row Level Security (RLS) policies:
- Read-Only Financial Data: Auditors cannot alter historical transactions, modify accounts, or edit billing profiles.
- Interactive Query Capabilities: Full permissions to create review threads, flag high-risk entries, and request client clarification via the Query Inbox.
- Accountant Activity Log: Complete immutable audit trail tracking every voucher view, query resolution, and sign-off in Settings → Accountant Activity.
Technical Compliance & Audit Notice: This section outlines specialized cryptographic and security controls designed for IT administrators, compliance officers, and independent external auditors. Standard users and freelancers do not need to configure these advanced settings for day-to-day bookkeeping.
Cryptographic Hash Chaining
Critical accounting events — such as retroactive journal updates, fiscal year close periods, and period lock overrides — are recorded to an append-only ledger secured by SHA-256 cryptographic hash chaining (H(n) = SHA-256(H(n-1) || Payload(n))). Any tampering with historical records immediately breaks the chain and flags an alert.
The Auditor Workbench gives external CPAs and internal compliance teams instant confidence during annual audits and tax reviews without exporting spreadsheets.
External Legal Counsel & Auditor PortalNew
A purpose-built, strictly isolated read-only portal for independent CPAs, forensic auditors, and external legal advisors — enforcing zero-mutation UI, token redemption, and dual-layer data isolation.
Strict Read-Only SoD Boundary
All mutation triggers, transaction creation forms, and operational settings are physically eliminated from the counsel layout to satisfy statutory independence rules.
Multi-Client Roster Switcher
Auditors can seamlessly transition across multiple authorized client organizations from a single unified engagement hub (/counsel/workspaces).
Onboarding & Authentication Flow
Client issues invitation
Magic Link Redemption (/counsel/accept)
FOR UPDATE), establishing a permanent cryptographic identity binding.Dual-Store Client Isolation
fintrack_client_ledger (ephemeral cache purged on workspace switch) and fintrack_auditor_global (retains counsel annotations, queries, and working notes across sessions).Auditor Deliverables & Exports
Counsel and audit teams can generate compliance packages directly:
- SAF-T XML Compliance Files: Standard Audit File for Tax formatted according to OECD guidance.
- SHA-256 Ledger Integrity Dossier: Complete proof of uninterrupted hash chains over the audited fiscal period.
- Electronic Opinion Letters: Formal sign-off notes digitally recorded to the audit trail.
AI-Powered Features⭐Pro
finTrack uses AI across many features — not just the chat advisor. Here is a complete overview of every AI capability and how to get the best results.
AI Daily Briefing
⭐ProEvery time you open the dashboard your personal CFO AI analyses your net worth trend, savings rate, burn rate, upcoming bills, and top spend category — then delivers a tailored 2–3 sentence briefing with a mood indicator (positive / neutral / warning / critical) and a one-tap action button.
The briefing mood changes colour: green for healthy finances, amber for a concern, red for something urgent. Hit the refresh icon to generate a new briefing at any time.
AI Transaction Capture
CoreType or speak a transaction in natural language and AI extracts the amount, type, category, party, date, and account. Supports 14 transaction types including bills, asset purchases, loan repayments, and equity injections.
For bills, say "Received invoice from Adobe for Creative Cloud $600 due Friday" — AI will classify it as a bill (not an expense), extract the vendor, amount and due date, and route it correctly.
Voice Entry
CorePress the microphone button on the dashboard and speak your transaction, task, or contact. The voice router determines the intent and sends it to the right parser automatically.
Speak clearly and include the amount. Examples: "Spent 4500 on office supplies today", "Remind me to call the accountant Thursday", "New contact John at Acme Inc".
Receipt Scanner
CoreUpload a photo of a receipt and AI extracts the merchant name, total amount, and date. The result is pre-filled into the AI Transaction Capture chat for confirmation before saving.
For best results photograph receipts on a flat, well-lit surface. The scanner works on handwritten receipts but printed ones give higher accuracy.
Red Flag Detection
⭐ProAI scans your transaction history nightly for anomalies — unusual spend spikes, capital items coded as operating expenses, or income/expense misclassifications. Alerts appear on the dashboard with an explanation and a suggested fix.
Open the Red Flag panel on the dashboard to review alerts. Dismiss ones you've actioned and the system learns from your decisions.
Recurring Transaction Detection
CoreAI analyses your recent transactions to identify recurring patterns (same vendor, similar amount, regular interval) and suggests setting them up as recurring templates. Approve or dismiss each suggestion from the dashboard prompt.
Once set up as recurring templates, finTrack will notify you when the next instance is due — saving you from manually re-entering monthly subscriptions and bills.
AI Reconciliation Matching
⭐ProDuring bank reconciliation, enable AI matching to let the system suggest which ledger entries correspond to which statement lines — using amount proximity, date closeness, and description similarity scoring.
AI matching is a suggestion only — always review before confirming. The accuracy improves when your transaction descriptions closely mirror the bank statement narrations.
AI Budget Setup
CoreDuring onboarding (or when resetting your budget), AI generates a starting budget based on your country, business persona, and income level — with category-specific savings tips targeting your highest-spend areas.
After setup you can edit any budget line. The AI suggestion is a starting point, not a constraint.
Privacy-First AI: AI features that require heavy processing (Daily Briefing, Red Flags, AI Advisor) run securely on finTrack's servers using your plan quota.
For lightweight AI (Transaction Capture, Task Parsing), you have two private options: configure your own Groq/OpenRouter BYOK API key, or utilize our WebGPU Local AI. Supported browsers can download a Small Language Model directly into memory, allowing AI parsing to run 100% offline without your financial data ever leaving your machine!
AI Financial Advisor⭐Pro
Get instant, plain-English answers to your financial questions — powered by Google Gemini, running securely on finTrack's servers. No API key needed on your end.
Affordability Intelligence
The AI CFO reads your live financial data — account balances, outstanding invoices, daily burn rate, and cash runway — before answering. When you ask an affordability question, it responds with a clear YES / MAYBE / NO verdict backed by your actual numbers.
"Can I afford to hire a VA at $500/month?"
Checks liquid cash vs. daily burn rate
"How long can I survive without new income?"
Calculates exact cash runway in days
"Should I buy a new laptop right now?"
Compares cost against available liquid cash
"Which invoices are overdue and what's the total?"
Reads live AR from your invoice records
"Am I on track to break even this month?"
Compares income vs. expense trend
"What is my biggest financial risk this quarter?"
General strategic analysis with data context
How to access it
Go to AI Advisor in the sidebar (or tap the Brain icon on mobile). Type your question and press Enter. Responses stream in real-time and are formatted with tables, bold figures, and structured recommendations.
The AI Advisor works best once your accounts are synced — it reads live balances, recent transactions, and outstanding invoices to ground its answers in your actual data.
Monthly AI Advisor limits: Free — 50 · Pro — 150 · Business — 500.
Note: Standard voice entries and AI receipt scans do not consume your AI Advisor quota; they have their own dedicated limits.
Reports & Export
Generate professional financial statements for your accountant, investor, or your own review.
Income Statement (P&L)
Revenue minus expenses over any date range. Drill down by category.
Balance Sheet
A snapshot of your assets, liabilities, and equity at any point in time.
Cash Flow Statement
Tracks operating, investing, and financing cash movements.
Payroll Summary
Consolidated payroll costs, tax withheld, and net payments by period.
Exporting data
Every report has an Export menu with options for:
- PDF — formatted, print-ready report
- CSV — raw data for spreadsheet analysis
- Excel (.xlsx) — multi-sheet workbook with charts
PAYE Schedule exports from the Payroll module produce a file formatted for submission to your local tax authority.
Tasks & Productivity
Tasks in finTrack are tightly integrated with your financial records — not just a to-do list.
Bi-Directional Lock
Link a Task ("Pay Vendor Invoice #42") to a Transaction. Once the transaction is recorded, the task is automatically locked to prevent discrepancies. Unlocking one requires unlocking both.
Smart Reminders
Set reminders at 10 minutes, 1 hour, or 24 hours before a task deadline. Reminders arrive as browser notifications even if finTrack is running in a background tab.
Task views
Switch between List, Kanban Board, and Calendar views to suit your workflow. Filter by status (To Do, In Progress, Done), priority, or linked transaction.
Rich notes
Each task has a rich text journal editor — format notes, attach images, and write detailed descriptions using headings, bullet lists, and bold/italic text. Great for capturing meeting notes tied to a payment or project.
Task-to-Invoice BridgeNew
Turn completed billable work directly into an invoice — without manually re-entering every line item. This prevents revenue leakage when you forget to bill for a deliverable.
Mark tasks as billable
Open "Bill Selected Tasks"
Review and generate invoice
Each invoice line item is linked back to its source task (sourceItemId). If you re-open the invoice, you can trace exactly which work items it covers.
Contacts & Team
Manage your clients, suppliers, and employees in one directory — and collaborate with team members on the same workspace.
Contacts
Go to Contacts to add clients, vendors, and employees. Each contact stores name, email, phone, address, and role. When you link a transaction to a contact, finTrack tracks the full payment history — making it easy to answer "How much have I paid Supplier X this year?"
Customer
Link to invoices and receipts. View outstanding balances and payment history.
Supplier / Vendor
Link to bills and bill payments. Track what you owe and when it's due.
Employee
Appears in payroll runs automatically. Store salary, role, and banking details.
Team Members
Available on Pro and Business plans (Pro: 1 seat; Business: up to 5). Go to Settings → Team to invite colleagues by email. Each member is assigned a role that controls what they can see and do:
Full access — manage settings, billing, users, and all financial data.
Create and edit transactions, invoices, and tasks. Cannot access payroll, tax settings, or billing. Ideal for VAs.
Read and write transactions, reports, reconciliation, tax, payroll. Cannot manage billing or team.
Create and edit transactions and tasks. Cannot access payroll, tax, or settings.
Read-only access to dashboard and reports. Cannot create or modify any records.
Granular Permission OverridesNew
Need to give a Viewer access to edit invoices, or restrict a Member from deleting transactions? Go to Settings → Team → (member) → Edit Permissions to toggle individual permissions on top of their base role — without changing the role itself.
All team members access the same workspace and see the same data (within their role). To separate data between business entities, use multiple workspaces — switchable from the profile dropdown at the top-right.
Strategy Hub⭐Pro
Model business decisions before committing money. The Strategy Hub is organised into five analysis tabs — all simulations are separate from your live ledger.
Profit Analysis
Three tools in one tab. CVP / Scenario Planning shows break-even and profit sensitivity as you adjust price, volume, and costs. ABC Costing ranks your products by contribution margin. The Customer Whale Curve identifies which 20% of clients generate 80% of revenue — and which cost you money.
Venture Vitality
A health-check dashboard for your business. Calculates Business Health Score (ROE decomposition), Cash Flow Speed (how quickly cash flows through your operations), and inventory health. AI-generated insights flag critical risks and suggest actions.
Resource Analysis
Optimise your production or service mix given limited resources (labour hours, machine capacity, budget). Enter your products, their profit contribution, and resource constraints — the engine calculates the optimal mix to maximise profit.
Growth Analysis
Evaluate capital projects with institutional-grade metrics. Enter projected cash flows and a discount rate to get NPV, IRR, payback period, and a visual multi-year payback curve.
Funding Analysis
Find the ideal mix of debt and equity for a project. The engine calculates your Weighted Average Cost of Capital (WACC) and shows how changing the debt/equity split affects your overall funding cost.
Keyboard Shortcuts
Navigate finTrack without touching the mouse. Press ? anywhere in the app to open the shortcut reference panel.
Navigation shortcuts (two-key sequences)
Press G followed quickly by the second key:
Keyboard shortcuts are automatically disabled when you are typing in a form field, search box, or text editor — so they never interfere with data entry.
Support & Help
Need help? finTrack has a built-in AI support agent and a ticket system — both accessible without leaving the app.
AI Support Chat
Click the ? button in the bottom-right corner of any page to open the AI support assistant. Describe your problem in plain English and the AI will walk you through a solution immediately.
Support Tickets
If the AI can't resolve your issue, submit a support ticket. Our team is notified immediately and responds within 1 business day. Track all your tickets at Support.
How to raise a support ticket
Open the help panel
Chat with the AI first
Escalate to a ticket
Track your ticket
Business plan users receive priority email support — tickets are reviewed within 4 business hours. All other plans receive standard support (1 business day response).
Plans & Billing
finTrack offers three tiers. You can upgrade or downgrade any time from your Billing page.
Free
$0 / month
Pro
$19 / month
Business
$49 / month
Managing your subscription
Visit Billing & Plan (accessible from your profile dropdown in the top-right) to upgrade, view your current plan, download invoices, or cancel. Billing is handled securely by Paddle — we never store your card details.
If you cancel, your account reverts to the Free plan at the end of your billing period. Your data is never deleted — you just lose access to paid features until you resubscribe. See the Billing page for your live usage and upgrade options.
Loading live plan limits…
Data & Storage
finTrack stores your data in three layers. Each serves a different purpose — understanding the difference will save you from confusion later.
Cloud Sync is available on Pro and Business plans only. Free plan users work fully offline — your data is stored locally in your browser and never leaves your device. To enable multi-device sync, upgrade to Pro or Business. If you believe you should have access, contact your administrator.
1 · Device StorageAlways On
Your data lives in your browser's IndexedDB. Works offline. No server reads your records. Data is tied to this browser on this device.
2 · Multi-Device Sync ⭐Pro
Real-time bidirectional sync via your own Supabase database. Changes on your phone appear on your laptop instantly — and vice versa.
⚠ Not a backup — deleting a record removes it everywhere.
3 · Backup & Recovery
Point-in-time snapshots you can restore from. Use these to recover from accidental deletions. Two methods: local file download, or automatic Google Drive backups.
Setting up Multi-Device Sync⭐ProBusiness
Available on Pro and Business plans. Takes about 5 minutes. Requires a free Supabase account.
Create a free Supabase account
Get your Project URL and Anon Key
Run the schema script
Connect in finTrack
Your credentials are saved automatically
What gets synced?
Supabase Free Tier Limits
Supabase's free tier allows up to 500 MB of database storage. For typical finTrack usage (transactions, invoices, contacts) this lasts several years. finTrack shows your current usage with a progress bar in Settings and in the Cloud Sync icon in the top navigation bar. When you reach 70% a warning appears; at 90% an upgrade prompt is shown.
Backup & Recovery
Go to Settings → Data & Storage → Backup & Recovery to access both backup methods.
Local File Backup
- Downloads a full JSON snapshot to your device
- Available to all plans, no setup required
- Import the file to restore to any device/browser
- Recommended before major data imports or changes
Google Drive Backup
- Automatic scheduled backups (every 10–60 min or manual)
- Stored in a private folder in your Google Drive
- Restore any saved version from the list
- Requires signing in with Google and granting Drive access
Cryptographic Retention & Zero-Byte Shredding Pipeline
Automated Compliance Lifecycle: Statutory retention schedules and cryptographic shredding operate automatically in the background based on your configured tax jurisdiction. Manual intervention is only required if custom corporate compliance rules must be defined.
To comply with statutory data privacy and liability laws, finTrack automates the secure forensic destruction of expired financial records based on configured retention lifecycles (5–10 years).
- Pre-Shred Backup Safeguard: Automatically exports a full historical snapshot (local or Google Drive) prior to executing any shredding routine.
- Physical Zero-Byte Overwrite: Sensitive fields are overwritten with binary null bytes (
\0) on disk before physical deletion. - Dual Automated Triggers: Enforced by Sunday 01:00 AM UTC cloud cron alongside client-side catch-up sync on boot.
Frequently Asked Questions
Which plans include Cloud Sync?
Cloud Sync is available on Pro and Business plans only. Free plan users are local-only — data is stored in your browser's IndexedDB and never leaves your device. To sync across multiple devices, upgrade to Pro or Business from Settings → Plans & Billing.
Is Cloud Sync the same as a backup?
No. Cloud Sync is a live mirror — if you delete something, it disappears from all your devices. Backup & Recovery creates frozen snapshots you can roll back to.
What happens if I clear my browser data?
Your local IndexedDB is erased. If Cloud Sync is connected, re-opening finTrack and triggering a sync will restore your data from the cloud. If not connected, your only option is to restore from a local or Google Drive backup.
Can I use the same Supabase project on multiple finTrack accounts?
No — each finTrack account should have its own Supabase project. Sharing one project between accounts would mix data under the same Row Level Security identity.
Do I need to re-enter my Supabase credentials on every device?
No. Once you connect on one device, your Project URL, Anon Key, and email are saved to your finTrack account. On any new device, open Settings and only enter your Supabase password to reconnect.
Is my Supabase password stored by finTrack?
Never. finTrack only stores your URL, anon key, and email. Your password is used once to authenticate and is never saved anywhere in finTrack.
When should I upgrade my Supabase plan?
finTrack shows a warning at 70% of your 500 MB free tier and an upgrade prompt at 90%. For most users this takes years to reach. If you store a large number of file attachments, it could be sooner.
Clearing your browser data (cache, site data, or cookies) will erase your local finTrack database. Always keep a recent backup export or ensure Cloud Sync is connected before doing this.