Know what you can actually spend.
FinaX answers one question: once every bill, instalment and rent you already know about is deducted, how much is genuinely yours between today and payday — and on what date does the balance go negative? Native iOS, no bank connection, no tracking.
- iPhone
- Widgets
- Lock Screen
- bank connections — every figure is typed by you
- 0
- number that matters, and every line behind it
- 1
- tabs: Overview, Flow, Plans, Accounts
- 4
- export formats, CSV and JSON
- 2
Overview
One number: what's safe to spend.
Your salary isn't a line of income here — it's where the period ends. Between today and then, FinaX holds back what you already owe and shows what is left, as a daily allowance too.
The reasoning
Every figure opens up.
Cash on hand, minus the payments the period will take, minus a reserve for variable spending and the buffer you chose — that is Safe to Spend. A number you can argue with is a number you can act on.
Flow
Today in the middle, the past above, the future below.
One timeline for what happened and what is planned, with the running balance on every day that has something on it. Empty days are left out.
Plans
Rent, instalments, BNPL, bills — each one a rule.
Monthly, every N months, a fixed number of instalments: FinaX projects each rule forward and surfaces what is overdue first. A payment plan lets you try paying some of them this month and keep it only if you like the result.
Accounts
A card payment is counted once.
The coffee you put on a card doesn't leave your pocket today; the card payment does, and FinaX never counts both. Each card shows its closed statement and current debt; investments are listed but left out of Safe to Spend.
Screens from the demo book
How it's built
Money in Decimal, rules in one engine.
SwiftUI with Swift 6 strict concurrency on iOS 26. Money is base-10 Decimal, never floating point. One Safe to Spend engine serves the demo, onboarding and the live overview alike. The ledger lives in Supabase Postgres behind row-level security, with pgTAP tests on the database and Swift Testing in the app; the widgets read a local file and never touch the network.
- SwiftUI
- Swift 6
- Supabase
- PostgreSQL
- pgTAP
- WidgetKit
- Swift Testing
- XcodeGen
Nothing read from your bank
No analytics SDK, no ad identifier, no tracking. Delete the account and the server row goes with it.
Offline demo books
Try the whole app without an account; the screens on this page come from those invented books.
FinaX
iOS · autumn 2026
