Questions, answered.

A few things set FinPal apart, and none of them is a gimmick.

• Precision: your interest and payoff dates are computed to the exact cent and day, not estimated.
• Action, not just tracking: you get a personalized roadmap with a clear next step, not only charts of where your money went.
• A living plan: it recalculates as your situation changes, so it is never a stale snapshot.
• Math and support together: the precise numbers, plus milestones, encouragement, and a community, because staying motivated matters as much as the math.

FinPal molds its strategy to your situation, rather than forcing you into fixed categories and limits.

Yes. There is a whole set of free calculators on this site, plus a generous free tier in the app that fits most situations: track up to 5 debts with the full FinPal experience around them, no card and no trial, forever.

If you want the Precision Engine and your full, optimized plan, Seed is $7.99 a month, or $19.99 every three months. That is the whole menu.

We can keep it this affordable because there is no mobile app, so we pay no app-store commission, and those savings go to you. Many people never need to pay a cent.

See the full pricing.

Four, all free and with no signup:

• Debt Payoff Calculator: compare avalanche and snowball, and see your debt-free date and the interest you save.
• Investment Forecaster: a Monte Carlo projection of where your portfolio could land, and your odds of reaching a goal.
• Mortgage Calculator: your real payment, the insurance you actually pay, and whether a lender would say yes, for Canada and the US.
• Loan Calculator: the true cost and effective interest rate of a loan, with two offers compared side by side.

Open the calculators.

Try the free calculators right now, no signup needed. When you are ready for your full plan, create an account, tell FinPal your goals and where you stand, and you will have a personalized roadmap in a minute or two.

Create your free account.

No. FinPal runs in your browser on any device, phone, tablet, or computer, and your data is saved securely so it is there wherever you sign in.

On a phone you can add it to your home screen and it behaves like an app, full screen and a tap away. Because there is no app-store version, we pay no 30% store commission, which is a big part of why FinPal stays affordable.

Because your money deserves math you can check. FinPal runs on hand-crafted algorithms built on years of finance experience, so every result is deterministic: the same inputs always give the same answer, and you can see how each number was reached.

It also means your financial details never get fed into a model. We genuinely admire what AI can do, and we may train our own model for advanced analysis one day, but only if it meets our bar for accuracy and security. For the core math of your finances, we want every figure verifiable.

Read our no-AI policy.

FinPal's Precision Engine goes well beyond plain avalanche and snowball. It accounts for the details that actually move your balance: the exact days between statements, the months where an extra payment cycle lands, daily interest, and the real charges hitting your next statement.

Two things it is especially good at:

• Marginal optimization: as a balance shrinks, its minimum payment shrinks too, and FinPal puts that freed-up money exactly where it does the most good.
• Goal-aware allocation: if you are buying a home next year, paying one card down fast may not help if your ratios still will not qualify, so the plan factors in your goal.

And it never stops: when your finances shift by even a dollar, it checks whether a better path has opened up.

You do not have to choose. The usual advice forces a trade-off between saving the most interest (avalanche) and keeping your motivation up (snowball). FinPal analyzes your specific situation and builds a strategy that aims for both, and adapts as things change.

Compare them in the free debt calculator, or sign up for the fully optimized plan.

Yes. Unlike a spreadsheet or a PDF, your plan recalculates as your real life moves: your spending and progress, a change in income, a shift in rates, your goals. Got a bonus? It adjusts. Unexpected expense? It recalculates. You never have to redo anything by hand.

Because getting out of debt is as much mental as mathematical. Alongside the numbers, FinPal gives you milestones and achievements, a visual sense of progress, a clear next step so you always know what to do today, encouragement when you need it, and a community of people on the same path.

The math solves the problem. The support helps you stick with it.

Often more than people expect, but it depends entirely on your balances, your rates, and how much extra you can put in. Rather than quote a number that would not be yours, FinPal shows you the exact impact for your own debts.

See your real numbers in the free debt calculator.

FinPal works in US dollars, Canadian dollars, euros, British pounds, and Australian dollars. You pick your currency, and every amount is shown and calculated in it.

Anytime. Your roadmap is built to flex: a new goal, new income, an unexpected expense, different priorities, it recalculates around the change. Update it as often as you like.

Billing is just as flexible. Paid plans run through Stripe with a full dashboard where you can upgrade, downgrade, or cancel whenever you want, no hoops.

Security is taken seriously at every layer:

• Encryption for your data, with two-factor authentication available.
• Advanced network protection, and the calculation engine hosted separately so your data is never exposed in transit.
• Secure authentication and storage through Supabase, with strict per-user access rules.
• No AI processing, which removes a whole category of data-leak risk.
• Your data is never sold or shared.

Your financial information is yours alone, used only to build your plan.

No. FinPal is a calculator and a planner, not a bank. It never connects to your accounts to move money, and it never makes a payment for you. You stay fully in control of your actual finances; FinPal just shows you the smartest moves and tracks your progress.

Hi, I'm Max. I built FinPal because I needed it. I worked in banking for over 8 years, from teller to wealth management and portfolio analysis, and still ended up heavily in debt after university. Helping others with their money while drowning in my own was not lost on me.

It started as an Excel spreadsheet. The math gave me real hope, and I wanted it on my phone, but Excel is miserable on mobile, so I turned it into an app. That grew into FinPal: a tool for both the math and the mental side of getting out of debt.

Read the full story.

Yes. Every calculation is tested, deterministic, and transparent: the same inputs always produce the same outputs, and you can see how each number was reached. It is built on proven financial principles and years of hands-on finance experience, not experimental models. We stand behind every number.