Zero-based budgeting
Your better circle.
Zero-based budgeting for your money and the money you share. Every wallet, envelope, bill and goal in one place — with the arithmetic done in the database, not in your head.
Free to run. No ads, and no data selling — ever.
Built for money you can trust
- No ads, no data selling, no trackers
- Installable — no app store needed
- 15 currencies, one per wallet
- Online-only, so balances are never stale
Sound familiar?
“Payday lands, and a week later I genuinely cannot say where it went.”
“I started a budget spreadsheet once. It survived nine days.”
“I want to save, but the money is always gone before I get to it.”
None of that is a discipline problem. It is a tooling problem — and Fainens exists to fix exactly that.
Five minutes to set up
How it works
Add your wallets
Bank accounts, e-wallets, cash, credit cards. Enter each balance once to get a true starting point.
No bank login, no account number, no password. Fainens never connects to your bank, so there is nothing to hand over.
Assign every rupiah a job
Enter this month's income, then allocate it across your categories until nothing is left unassigned.
Whatever you have not allocated yet stays visible as Ready to Assign — the number that tells you what is still free to budget.
Record once, and stop guessing
Log spending as it happens and watch each envelope move. At the end of the month the picture is already there.
Every figure on every screen is derived from the same ledger, so two screens cannot disagree about your balance.
What you get
Everything you need to actually run your money
Every wallet, one place
Bank, e-wallet, cash, credit card — each with its own currency, all counted together in the base currency you choose.
Envelopes that roll over
Assign money to a category and unspent amounts carry forward automatically, so a quiet month funds a busy one.
Ready to Assign
One number that always answers 'how much is still unallocated?'. It is allowed to go negative, and it will tell you.
Transfers are not spending
Moving money between your own wallets is structurally neither income nor expense, so it never distorts a single report.
Reconcile against a statement
Clear what the bank has cleared. A mismatch offers a write-off that lands in Ready to Assign and stays out of expenses.
Shared spaces, honest splits
Split an expense unevenly, track who owes whom, and settle up. Member balances always sum to exactly zero.
Bills that repeat correctly
A monthly bill on the 31st lands on Feb 28 and Mar 31 — never a rolling 28 days. Nothing posts without your say-so.
Should I buy it?
Ask before you spend and see the real envelope impact and how many days it would push a goal back. No streaks, no badges.
An honest comparison
What you are probably using instead
A spreadsheet
- Fine for
- Genuinely excellent for modelling a decision once.
- Breaks when
- Nine days of daily discipline, then silence. Mobile editing is the failure point.
- Fainens
- Envelope state updates itself from the ledger — there is nothing to remember to re-enter.
Your banking app
- Fine for
- Accurate balances, real statements, zero setup.
- Breaks when
- Shows each account alone. It cannot tell you what is left to spend, because it cannot see the others.
- Fainens
- Every wallet in one view, converted to one currency, with one unallocated number.
A notes app
- Fine for
- Frictionless to start, always in your pocket.
- Breaks when
- No arithmetic, no categories, no totals. It is a list, not a ledger.
- Fainens
- Adding a transaction is three taps, and the totals, reports and balances follow for free.
The fine print, up front
What Fainens will not do
Every product has a list like this. Most put it in a help article, so here is ours in the middle of the page.
It will not connect to your bank
You enter transactions yourself. That sounds like a chore and it is the point: typing an amount is what makes you notice it. No aggregator, no credentials, nothing to revoke.
It will not show a cached balance offline
A stale number presented as current is a correctness bug in a money app. Offline, Fainens says it is offline and refuses to guess. There is no queue of unsent writes to silently replay either.
It will not guess an exchange rate
There is no live rate feed. A wallet in a foreign currency starts outside the budget until you enter a real rate, so an invented rate never quietly changes what you can spend.
It will not gamify your money
No points, no streaks, no badges. The reward for budgeting well is the arithmetic — what is left, and how much closer the goal got. Anything else is noise that can be gamed.
Questions
The things people ask first
Is my financial data safe?
Your data lives in its own Postgres database and is served over TLS. Authorization is enforced in the application layer: every query runs through a repository function that requires a role in the space being read, so one account cannot see another's data. There are no analytics scripts, no ad pixels and no third-party trackers anywhere in the app.
Does it connect to my bank?
No, and it will not. There is no aggregator integration, so you never hand over a bank password or account number. You enter transactions yourself. That is a deliberate trade: typing an amount is what makes you notice it, and manual entry is the reason Fainens can promise that nothing leaves your account without you knowing.
Can I photograph a receipt and have it read automatically?
Not yet. Receipt scanning and bank-statement import are explicitly out of scope for now, so the app does not offer a button that cannot deliver. When it exists it will be described here rather than teased.
Does it work offline?
It installs like an app and opens offline, but it will not show you a balance while disconnected. A cached figure presented as current is a correctness bug in a money app, so the offline screen says so and offers a retry instead. There is also no queue of unsent writes to silently replay later.
Is there an App Store or Play Store app?
No. Fainens is a Progressive Web App: open it in your browser and use your browser's Install option to add it to your home screen. You get the app icon, the full-screen window and push reminders for bill due dates without an app store in the middle.
What does it cost?
Nothing to run today. Fainens is self-hosted and there is no billing system in it — no plans, no quota, no upgrade prompt. If that ever changes, the price will be stated plainly here before it is charged.
Your better circle starts with one honest month.
Add your wallets, give the money a job, and by the end of the month you will know exactly where it went — and what is already saved for the next thing.
Start budgeting