Question 1

Is PerFinCo really free?

Accepted Answer

Yes. You can use PerFinCo for free without limits: log income and expenses, set one savings goal, and track your spending. Premium (€4.99/month) unlocks extras like multiple goals and Smart Money Coach analyses, but the core features are always free.

Question 2

What does Premium include?

Accepted Answer

Premium gives you up to 10 simultaneous savings goals (vs. 1 in the free tier), unlimited Smart Money Coach analyses, full transaction history (the free plan shows 3 months), CSV export of your data, and direct feedback to the developer. You can cancel anytime.

Question 3

Can I cancel my subscription?

Accepted Answer

Yes, anytime with one click from the user menu. Your subscription stays active until the end of the current period, after which no further charges are made. No commitments, no hidden fees.

Question 4

Is my data safe?

Accepted Answer

Yes. All data is encrypted both in transit (HTTPS) and at rest. Our servers are located in the EU and we strictly follow GDPR. Only you can see your own financial information.

Question 5

Do I need to connect my bank account?

Accepted Answer

No. PerFinCo does not require any bank connections — you log your income and expenses yourself. This is a deliberate choice: we keep your privacy entirely in your own hands, and no third-party service can access your bank transactions.

Question 6

Does PerFinCo sell my data to advertisers?

Accepted Answer

Never. Our business model is based on Premium subscriptions, not data sales. There are no ads in the app, and your information is never shared with third parties for marketing.

Question 7

What happens to my data if I quit?

Accepted Answer

You can delete your account at any time, after which all your data is permanently removed within 30 days. With Premium you can also export all your transactions as a CSV file before deletion if you want to keep your history.

Question 8

How long does it take to get started?

Accepted Answer

Less than a minute. Sign up with your email, add your first income or expense, and you're off. No tutorials or complex setup — Aino guides you along the way.

Question 9

What is Aino, the Smart Money Coach?

Accepted Answer

Aino is an AI-powered financial coach who analyses your spending and gives concrete suggestions for saving more. She spots, for example, the category where you spend most and how much you could realistically save each month with small changes — without any judgement.

Question 10

Does the app support multiple currencies?

Accepted Answer

Yes. You can choose your display currency from 8 options (EUR, USD, GBP, SEK, NOK, DKK, CHF, PLN) directly from the user menu. Your choice is saved to your account and follows you across devices.

Question 11

How is PerFinCo different from my bank's own budgeting tool?

Accepted Answer

Bank tools usually only show transactions from that one bank and stay at a simple reporting level. PerFinCo works independently of any bank, is designed to be easy for young adults, and focuses on active coaching — helping you make better decisions instead of just showing history.

Question 12

Does PerFinCo work on mobile?

Accepted Answer

Yes. PerFinCo is fully optimised for mobile — you can log an expense in a couple of seconds on your phone. It's currently web-based, but you can easily add the page to your phone's home screen as a shortcut.

Question 13

Which languages does PerFinCo support?

Accepted Answer

Currently 7 languages: Finnish, English, Swedish, German, French, Spanish, and Estonian. You can switch language on the fly from the user menu — no need to log out and back in.

Question 14

Who is behind PerFinCo?

Accepted Answer

PerFinCo is a Finnish service built to help young adults manage their money in a stress-free, friendly way. You can reach the developer directly through the feedback form inside the app — every message is read.

Tiedä kuinka paljon voit käyttää tänään

Lisää sekunneissa

Näe selkeästi

Säästä viisaammin

Mikä on PerFinCo?

Haluatko tutustua syvemmin?

Usein kysyttyä

Tiedä kuinka paljon voit käyttää tänään

Lisää sekunneissa

Näe selkeästi

Säästä viisaammin

Mikä on PerFinCo?

Haluatko tutustua syvemmin?

Usein kysyttyä

Onko PerFinCo todella ilmainen?

Mitä Premium sisältää?

Voinko perua tilauksen?

Onko tietoni turvassa?

Tarvitseeko minun yhdistää pankkitilini?

Myykö PerFinCo tietojani mainostajille?

Mitä tapahtuu tiedoilleni jos lopetan?

Kuinka kauan kestää aloittaa?

Mikä on Aino, Smart Money Coach?

Tukeeko sovellus useita valuuttoja?

Miten PerFinCo eroaa pankkini omasta budjettityökalusta?

Toimiiko PerFinCo mobiilissa?

Millä kielillä PerFinCo on saatavilla?

Kuka on PerFinCon takana?