One live number for your money. A plan that splits itself. Goals that compound.
Liquidity, debt and net worth managed like a CFO, on your device.
$199.99 · lifetime license 5.0.1
No bank login, ever · 90 days of HelpFinance Pro and 10 AI credits included · 7-day free trial, no credit card · 14-day money-back guarantee
Starting capital plus every movement, updated the moment anything changes. Day, Week, Month, Year and Total views.
Seven categories, three buckets, a Remaining margin that never lies and a smart suggestion that reads your plan instantly.
Year by year, with compound interest and without it, in real value after 2% inflation.
Emergency fund, travel, a down payment: deposits month by month, withdrawals, and the year-over-year change.
Recurring items and paid due dates post into Movements on their own date. The Yearly summary builds itself.
Your starting capital plus every movement you record: one figure, always exact. Around it, a plan that splits itself, compounding goals and months that close on their own.
Your liquid money, live, from your movements.
What your monthly saving becomes, with and without interest.
Set the budget. The 50/30/20 split computes itself.
One portfolio per goal, compared year over year.
Set it once. It posts itself on its date.
Every bill and tax, one tap from paid.
Your monthly balance, automated.
Every year of your money at a glance.
Every module, one by one.
Your liquid money, live, from your movements.
What your monthly saving becomes, with and without interest.
Set the budget. The 50/30/20 split computes itself.
One portfolio per goal, compared year over year.
Set it once. It posts itself on its date.
Every bill and tax, one tap from paid.
Your monthly balance, automated.
Every year of your money at a glance.
Real screens of HelpFinance 5.0.1 with illustrative sample data. Every label on this page is the one you will find in the app. Tap + for the details.
Most money apps want your bank login. HelpFinance adds every movement you record to your starting capital: the total liquid money is always exact, and always yours.
Change an amount, untick a movement, add a new one: Income this month, Expenses this month, Month balance and the total liquid money recompute exactly as the Liquidity dashboard does, with the change vs your starting capital.
Sample movements. Untick a line, change an amount or add a movement: every figure follows, exactly as in the app. Nothing is saved.
Set the budget, spread it over seven categories: HelpFinance sorts it into Needs, Fun and Savings, checks the 50/30/20 target and tells you the next move. Free, on your device.
Asset Allocation, computed from the Needs / Fun / Savings values of the monthly spending plan. Nothing is saved.
Needs, Fun and Savings are measured against your budget. The suggestion updates on every keystroke and costs nothing: no AI credit, no connection, no data leaving your device.
Starting capital, monthly saving, years, rate: see what it becomes at your rate, and what it would be worth left idle after 2% inflation. Year by year.
The grey line is money left idle, eroded by inflation. The blue line is the same saving compounding month by month. The gap between them is the number that makes you start this month instead of next year.
| Year | No interest (2% inflation) | With compound interest |
|---|
The app's own projection: real value eroded by 2% inflation a year; compound interest month by month. Indicative, not financial advice. Nothing is saved.
Weekly to yearly items land in Movements on their date, measured against your plan.
Bills, taxes, instalments. Overdue and next 7 days at a glance; Mark as paid posts the movement.
Months close themselves on the calendar. Starting capital, income, expenses, month balance and updated capital, month by month.
Deposits month by month, withdrawals, and the year-over-year change between complete years.
Cumulative growth with Month, Year and Total views, and income, expenses and savings year by year.
Your AI CFO reads the live data of this page and returns measurable actions: amounts, percentages, deadlines. No fluff.
Run CFO analysis1 credit per analysis| Liquidity | AI CFO on the DashboardLiquidity, month flows, Needs/Fun/Savings | 1 credit |
| Liquidity | AI CFO on PlanningBudget and category amounts | 1 credit |
| Debt | AI CFO on the Debt dashboardDTI, thresholds, aggregated loan figures | 1 credit |
| Debt | Early payoff planResiduals, instalments and rates | 1 credit |
| Debt | Loan research AILive web research on real lenders, in your market | 3 credits |
| Net worth | AI CFO on the Illiquid dashboardAsset category totals | 1 credit |
10 AI credits included, +10 with each module. Failed analyses refunded; credits never expire.
HelpFinance starts with liquidity. Two optional modules complete the picture: your debt read the way a lender reads it, and every asset you own in one number. Both are included in your first 90 days and in HelpFinance Pro; buy them once to keep them for life.
DTI against your country's bank range, a bank-grade profile, real amortization and an early-payoff plan.
Real estate, investments, businesses and goods with value history, composition and a live net worth.
The Debt module's own formulas and thresholds for 33 countries (a selection here). Organisational tool, not financial advice. Nothing is saved.
Pick a country, enter your income and instalments. Rent and non-payroll income count at 70%, as banks count them. The status, the new-instalment capacity and the bank-grade profile follow the Debt module's own rules.
Install it once from the browser: it opens full-screen, works offline and starts instantly. Drag to turn.
Progressive Web App · Safari: Share → Add to Home Screen · Chrome and Edge: install icon in the address bar · AI analyses and purchases need a connection
Compared with the two ways most people track their money today.
| HelpFinance5.0.1 | Budgeting app | Spreadsheet | |
|---|---|---|---|
| Price model | Pay once, own it | Monthly fee, forever | Free, then your evenings |
| Bank login required | Never | Usually | No |
| Where your data lives | Your device | Their servers | Wherever the file ends up |
| Live liquidity from your starting capital | Built in | Varies | Manual formulas |
| 50/30/20 plan with instant suggestion | Built in, free | Rarely | Build it yourself |
| Compound-interest goals | Year by year | Sometimes | Build it yourself |
| DTI against local bank thresholds | Debt module, 33 countries | Rarely | No |
| Works offline | Yes | Usually not | Yes |
| Languages · currencies | 10 · 22 | Varies | Manual |
“Budgeting app” and “Spreadsheet” describe general characteristics of those categories, not a specific product. HelpFinance figures are those of version 5.0.1.
Version 5.0.1 is yours for life, with 90 days of HelpFinance Pro included: every new version, in-app Assistance and the Debt and Net worth modules.
If it doesn't earn its place in two weeks, one email gets you a full refund. No questions asked.
Liquidity, Debt and Net worth, every screen open for seven days. Nothing to cancel, nothing charged.
Your data lives in your browser's database, never on our servers. Export a full backup whenever you want.
With HelpFinance Pro: send a request from the app, the answer arrives right there, from the people who build it.
10 languages and 22 currencies. The whole app, and every AI analysis, follows your choice.
No required subscription. Version 5.0.1 is yours for life, with 90 days of HelpFinance Pro included, the Debt and Net worth modules unlocked too. After that, keep 5.0.1 or stay on the latest version with Pro, by choice.
Secure checkout · 14-day money-back guarantee · Lifetime license · No recurring charge
Included: the eight liquidity modules, the Planning smart suggestion, backup export and import, 10 languages, 22 currencies. Included for your first 90 days and with HelpFinance Pro: the Debt module and the Net worth module; to keep them for life, buy them once inside the app ($199.99 each, +10 AI credits each). Optional: AI credit packs from $7.99 (10) to $199.99 (500).
Not convinced in 14 days? One email gets you a full refund. Your data stays on your device.
Liquidity, Debt and Net worth: every screen unlocked for seven full days from your first sign-in. No card, nothing to cancel. If it doesn't earn its place, you close the tab.
Name, email, country and the password you will use. No card field anywhere.
Every registration is reviewed by a human, so trial places go to real people.
Same page, same email and password. The whole suite is already open.
Nothing is charged, nothing renews: no card was ever collected. You pay only if you want to.
Liquidity, Debt and Net worth, including the modules normally sold separately. Not a locked preview.
Not at registration. Nothing is burning while you wait.
Trial balances start at zero: add a pack from $7.99 to run the AI CFO during the trial.
Export a backup at any moment during the trial and import it into the full app.
No card required · Data stays on your device · Nothing auto-renews · One trial per email address
No bank login, no cloud copy. Your finances stay on your device.
Real formulas and your own numbers. Never financial advice.
Pay once, keep the version you bought for life. No lock-in, no rent.
Your liquid money, your plan, your goals, and when you want them, your debt and everything you own. On your device, without a bank login.
Secure checkout · 14-day refund · Lifetime license · No recurring charge · 7-day free trial, no card
About this page. HelpFinance is a Progressive Web App by HelpCore.ai. Screens and figures shown here use illustrative sample data; the calculators are live demos and nothing you type is stored or sent anywhere.
No financial advice. HelpFinance provides organisational and educational tools. The figures, profiles and analyses are computed from the data you enter and can contain errors; they do not constitute certified accounting. Nothing in the app, including the AI analyses, is financial, investment, tax or legal advice: decisions about loans, investments and assets remain yours, and for binding decisions you should consult a licensed professional in your country.
License and credits. Your purchase is a lifetime license for HelpFinance 5.0.1 with 90 days of HelpFinance Pro and 10 AI credits included; while the plan is active, the Debt and Net worth modules are unlocked too. When the included period ends, the app returns to version 5.0.1 and keeps working with all your data, and the modules you did not buy lock; HelpFinance Pro ($99.99 a year or $9.99 a month) is optional, keeps you on the latest version and keeps both modules unlocked while active. The Debt and Net worth modules (to keep them for life) and AI credit packs are sold separately inside the app. Prices in USD; applicable taxes may be added at checkout. The 14-day money-back guarantee and the 7-day free trial follow the conditions published on the Support page.
HelpFinance is owned by HelpCore.ai. Copyright © 2026 HelpCore.ai · HelpFinance. All rights reserved.