Features

What Fainto does

Fainto is a private, offline-first budget tracker with an on-device AI money coach. Here is everything it does — and if you want the story behind it, read why Fainto was built.

Privacy

Nothing leaves your phone

Every screen above runs on your phone. The figures below are the app's own network log right after a fresh install: no setup yet, and nothing sent.

0 requests by default, by design

  • No account required
  • Works fully offline
  • No ads, trackers, analytics or cookies

Read the privacy policy

Fainto's Budgets & goals screen: an Emergency Fund ring at 42%, $12,500.00 of $30,000.00 with $17,500.00 to go, and category budgets — Food $350.76 of $310.00 marked over by $40.76, Shopping $142.08 of $154.00, Transport $133.20 of $159.00, Other $15.00 of $50.00, Education $24.00 of $63.00 and Utilities $35.52 of $77.00.

Budgets & goals

Budgets and goals that warn you before you overspend

Set a goal, cap a category, and see the moment you go over.

  • A savings goal with a progress ring — Emergency Fund: 42%, $12,500.00 of $30,000.00, $17,500.00 to go.
  • Per-category budgets — Shopping $142.08 of $154.00 (92%).
  • An over-budget warning the moment you cross the line — Food $350.76 of $310.00 (113%), over by $40.76.
  • Transport tracked the same way — $133.20 of $159.00 (84%).
  • Start a new budget in one tap.
Fainto's Transactions screen: Outcome tab selected, −$962.94 spent in October 2026 with a spending trend chart and month chips from July to October, and today's list — Food, Groceries −$34.00; Transport, Tram ticket −$12.00; Food, Morning coffee −$18.00 — above an Add expense button.

Transactions

Every transaction, grouped and clear

Switch between income and outcome, grouped by day, with the month's total up top.

  • Income and outcome views, one tap apart.
  • Grouped by day — Today, Yesterday, This week.
  • Spent in October: −$962.94, at a glance.
  • Each entry shows category, note and day — Groceries, Tram ticket, Morning coffee.
  • Add an expense straight from the list.
Fainto's Tax Breakdown screen: a gross-to-net waterfall and an annual summary for USD 102,000 gross — ZUS social USD 13,984, health insurance USD 7,921 and income tax USD 6,962 — leaving USD 73,132 net a year, USD 6,094 a month and a 28.3% effective rate; all figures 2026 estimates.

Tax engine

A built-in tax engine for 45 countries

44 country configurations plus a bespoke Poland engine — compare your take-home before you decide anything.

  • 44 country tax configurations plus a bespoke Poland engine — 45 in total.
  • Compare a country: model a raise, a move, or a new bill against your gross income.
  • Example: in the Poland preset, shown in USD, USD 102,000 gross nets USD 73,132 after ZUS, health insurance and income tax — a 28.3% effective rate.
  • Educational information to help you plan — not financial or tax advice.

Screens show sample data.

25English, Polski, Deutsch, Français, Español, …

Offline & languages

Works fully offline

Log spending on a plane, in a tunnel, or with data off — the coach and the tax math still run.

  • Logging, budgets, and the AI coach all run without a network connection.
  • No server to be down, no sync to wait on.
  • The one exception: opt-in Cloud AI, which needs a connection when you choose to use it.

Localised in 25 languages

Currency, tax rules, and wording follow your locale automatically.

Fainto's Add expense screen: 42.18 zł entered above Your usual category chips for Food, Entertainment, Transport, Utilities, Education and Other (selected), an expanded All categories list with Housing and Health, a Save expense button and the number keypad.

Fast entry

Add an expense in seconds

Type the amount, tap a category, save. No menus to hunt through.

  • Amount-first entry — the keypad opens with the number, not a form.
  • One-tap category chips — Food, Entertainment, Transport, Utilities, Education, Other.
  • Note, date, and account default to sensible values — today, your main account.
  • Save with a single tap.

Web companion

Also on the web

Prefer a bigger screen? Pair your phone with Fainto Web to view your dashboard in the browser — no account required, and nothing leaves your phone unless you choose to sign in.

Free vs Premium

Free vs Premium

The core tracker and tax engine are free. Premium unlocks bigger on-device models and optional cloud AI.

Free

  • Budget tracker and tax engine
  • No ads, no account required
  • Cloud AI via OpenRouter, opt-in
  • Small on-device models — SmolLM 135M, Qwen 2.5 0.5B
  • Larger on-device models — Qwen 2.5 1.5B, DeepSeek R1 1.5B, Phi-4 Mini 3.8B

Premium

$1.99 / month · $14.99 / year

  • Budget tracker and tax engine
  • No ads, no account required
  • Cloud AI via OpenRouter, opt-in
  • Small on-device models — SmolLM 135M, Qwen 2.5 0.5B
  • Larger on-device models — Qwen 2.5 1.5B, DeepSeek R1 1.5B, Phi-4 Mini 3.8B

Still deciding? See frequently asked questions, or head back to the Fainto home page.

Get Fainto — free, offline, private.

No account, no ads, nothing uploaded. Five AI models run on your phone.

Get it onGoogle Play Download onApp Store