Finzen

• Digital Envelope Budgeting ✉️: Based on Zero-Based Budgeting, you "give every dollar a job" before the month starts. Create custom master and subcategories to match your life.

• Automatic Rollover: Unspent money carries over to the next month automatically, helping you build a "head start" for future expenses or big goals.

• Live Portfolio Tracking 📈: Monitor over 15,000 stocks/ETFs (Yahoo Finance) and 10,000+ cryptocurrencies (CoinGecko) with real-time price updates.

• Physical Commodities & Forex: Track physical gold, silver, and copper in grams, or manage exposure across 150+ fiat currencies.

• The "Runway" Metric 🛫: A unique dashboard stat that calculates how many months you could survive if your income stopped today, based on your current balance and average spending.

• Net Worth Graph: A real-time visualization of your total assets minus liabilities, updating instantly as market prices move.

Practicing Zero-Based Budgeting: Users can give every dollar a job before the month starts by assigning their entire expected income to specific envelope categories.

Building Financial Mindfulness: By spending 2–3 minutes daily to log transactions manually, users build a genuine relationship with their money and increase spending awareness.

Unified Portfolio Monitoring: Investors can track 15,000+ stocks, 10,000+ cryptocurrencies, and physical commodities like gold (in grams) in a single dashboard with live market prices.

Managing Savings and Debt: Users can track savings pots and loan repayments as "Off-Budget" accounts, ensuring net worth is accurate without cluttering daily spending categories.

Calculating Financial "Runway": The app helps users understand their safety net by calculating exactly how many months they could survive if their income stopped today.

Visualizing Cash Flow: Through Sankey diagrams and spending reports, users can see exactly how money moves from income sources to specific expense categories.

Planning Irregular Expenses: The rollover feature allows users to accumulate funds in specific envelopes over several months for infrequent costs like car maintenance.