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Tools for your money,
rewards and travel.

See your finances clearly, use your card benefits and plan your next trip.

Free card and money tracking. Premium is $4/month or $36/year, with a 30-day free trial. Premium includes the AI Assistant, points-trip planning, cash-versus-points comparisons and price watches; usage limits apply.

Cards, rewards and benefits

Get more from the cards already in your wallet.

  • Track rewards value, redemptions and annual fees.
  • Log monthly credits and catch expiring benefits.
  • Explore cards, compare offers and follow welcome bonuses.

Rewards

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Card Explorer and recommendations

Browse the card catalog, review recommendations based on your wallet and save cards to compare fees, earn rates and benefits.

Your cards and credit history

Keep card images, annual fees, renewal dates, balances and recorded credit scores together. Review utilization and score history.

Rewards dashboard

Compare value over time, toggle individual cards and inspect earnings, redemptions and fees using your own point valuations.

Benefits tracker

Review monthly credits and expiring rewards, log a use, see status and open benefit details with redemption guidance and sources.

Offers and best card to use

Track card-linked offers and compare the earning rate for dining, groceries, travel and other spending categories.

Welcome bonuses and renewals

Follow spending requirements and deadlines, compare recorded benefits with annual fees and review upcoming renewals.

Your everyday money

See what is coming in, going out and left to use.

  • Follow budgets, savings goals and account balances.
  • Review transactions, receipts and recurring bills.
  • Choose household, business or a combined view.

Budget

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A home you can arrange

Drag dashboard tiles, customize what appears, read the weekly recap and compare spending with earlier periods.

Accounts and net worth

Group accounts, inspect recorded balance history and switch the summary between totals and percentages. Import accounts or add them manually.

Transactions and receipts

Search, sort, choose columns and edit transaction details in a side panel. Upload private receipt originals, review line items and match transactions.

Recurring bills

Review upcoming bills, subscriptions and income. With Premium, prepare a negotiation script and record the outcome and savings.

Budgets, goals and shared expenses

Use Category or Flex budgets with planned, actual, progress and remaining amounts. Allocate funds toward dated savings goals and track partner dues and shared expenses.

Imports and exports

Bring transactions and balances in by CSV, import supported retail records in Retail Sync and download your records when you need them.

Build your forecast

See how today’s choices could shape the years ahead.

  • Set separate ages and retirement plans for each person.
  • Include accounts, contributions and tax assumptions.
  • Add life events and compare saved scenarios.

Forecast

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People and retirement

Set current ages, included household members, separate retirement ages, income, benefits and contributions.

Accounts and tax assumptions

Choose the accounts and ongoing debts to include. Model cash, taxable investments, tax-deferred and Roth accounts with editable tax assumptions.

Life events and scenarios

Move home purchases, children, income changes and retirement on the timeline. Save scenarios, compare stress assumptions and export projections. These are estimates, not tax advice.

Understand your investments

Start with the whole portfolio, then look at what is inside.

  • Inspect holdings, allocation and account details.
  • Compare performance with supported benchmarks.
  • Review gains, tax lots, risk and advanced analysis.

Allocation

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Holdings and performance

Compare recorded portfolio performance with supported benchmarks, including the S&P 500. Select a holding to inspect its chart and accounts.

Allocation, gains and losses

Explore treemaps, breakdown bars and category drill-downs. Review recorded gains and losses alongside your holdings.

Advanced analysis

Review risk and benchmark metrics, stress scenarios, cost basis, tax lots, valuations, income and fees. Market coverage depends on available history.

Estate planning

Prepare a California will review draft in Investments → Advanced, organize beneficiaries and open the official court form. The draft needs review and proper execution; it is not a signed legal document.

Reports for household and business

Follow a category all the way to its transactions.

  • Choose pie, treemap, trend, line or breakdown views.
  • Understand income, spending and net cash flow.
  • Review profit and loss and organize business tax exports.

Spending

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Interactive reporting

Switch among pie, treemap, trend bars, line and breakdown views. Select a slice, bar or category to drill into its transactions.

Cash flow and profit & loss

Review income, expenses, net cash flow and savings rate. Use Sankey flows or an expandable Profit & Loss report by category and group.

Business tax prep

Map business categories to Schedule C lines, review unmapped categories and preview CSV exports for your tax professional.

Trips built around your points

Turn an idea into an itinerary you can keep editing.

  • Plan with the Premium assistant and approve a trip preview.
  • Compare cash, points, credits and award fees.
  • Arrange days, places and routes beside the map.

Trip budget

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Planning chat and itinerary previews

Start with a destination or a vague idea. The assistant asks follow-up questions, uses the current trip as context and prepares a preview before creating or updating an itinerary.

Days, places and routes

Search for places with photos and suggestions, reorder stops, choose transport and optimize a day’s route. Resize the map and collapse the itinerary sidebar.

Bookings and trip budget

Keep flights, hotels, activities, cash costs, points by program, eligible credits and award fees in the trip. Add cost splits, packing lists and trip sharing.

Travel deals and price watches

Keep a useful lead ready for your next trip.

  • Explore deals, transfer bonuses and destination suggestions.
  • Track recorded prices, targets and new lows.
  • Premium compares Google Flights and Google Hotels cash quotes with Seats.aero and Rooms.aero awards. Saved results come first; usage limits apply.

Price watch

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Travel deals and transfer bonuses

Browse flights, hotels and other travel reports in the ticker or deal list. Review transfer bonuses and add a deal to the planning chat as context.

Destination suggestions

Review suggested trips alongside your points balances and eligible rewards. Compare the itinerary and cash-versus-points budget, then use the itinerary or generate another suggestion.

Price history and alerts

Add a flight or hotel watch, including a supported search link. Review recorded prices and trends, set a target or new-low alert and manage notifications in Settings.

Flight and hotel searches

Searches use saved results first. Google Flights and Google Hotels cash quotes, Seats.aero flight awards and Rooms.aero hotel awards have usage limits. Compare cash, points, fees and cents per point using your balances, eligible credits and transfer bonuses. Missing fees and occupancy are labeled; availability and booking terms need provider confirmation.

Advice and connected tools

Know what deserves your attention next.

  • Review your financial checkup and spending priorities.
  • Ask the Premium assistant about finances or travel.
  • Manage reminders, household settings and connected tools.

Checkup

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Financial checkup and spending insights

Review a financial score and priorities across cash flow, emergency savings, debt, budgets, goals and rewards. Premium adds an AI review using a summary of your saved finances.

AI Assistant

Ask about your finances, open related records inside the conversation and plan or edit travel. AI assistance requires Premium and is subject to shared provider budgets and usage limits.

Notification settings

Manage benefit, offer, recurring-transaction and price-watch preferences in Settings → Notifications. Premium includes email reminders and supported Google Calendar sync.

Sync and household settings

Use the Chrome extension to update supported issuer balances and offers. Manage your profile, display, household members, businesses, categories, merchants, rules, tags, security and data. See the docs for iOS, API and MCP connections.

Awaiting provider setup

Implemented integrations require provider credentials and approval before they can be enabled.

Text remindersA text before a credit or offer expiresPremium
Bank linkingUSD balances and transactions through Plaid, after consentPremium

How your data is handled

Saved to your account

Your dashboard data is saved to your Finstracker account and kept in your browser so pages open instantly. Changes save a moment after you make them. Signing out clears the copy in your browser.

Your existing account works

If you used the original Finstracker app, sign in with the same email or username and password (or Google). Your cards, perks, offers and points history are copied into the new dashboard the first time you sign in.

The assistant only sees a summary

When you ask the assistant a question, a text summary of your dashboard data is sent with it. Your password and session are never included.

See what your cards and your money are doing for you.

Free to use. Premium free for 30 days, no card needed.

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