With Javier, from the channel
You know you need to sort out your money. Finex tells you the next step.
Answer five questions and see your ladder: what to do now, what can wait and why. No passwords, nothing to install.
- Free
- No passwords
- Data stored in the EU
The ladder
Three rungs, always in this order. Your numbers decide where you stand and what comes next.
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Stop losing money
Keep money from slipping away each month.
- Have money left each month
- Review your mortgage, if you have one
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Protect yourself
A cushion and no expensive debt, so a surprise does not knock you down.
- One month of expenses set aside
- Expensive debt at zero
- A four-month cushion
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Make it grow
With the above in order, put your money to work.
- Invest for the long term
- Crypto, optional
Your numbers decide which rung you are on. Anything left from an earlier rung is still recommended, but never holds you back.
How it works
Three steps, under two minutes.
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1
Answer five questions
Income, expenses, savings, mortgage and debt. No documents, no bank connection.
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2
See your ladder
Your current rung, what unlocks the next one and the reason behind each step.
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3
Take the step when you want
For each rung we show the product we use. The contract is always with the provider.
Javier explains every step
Finex comes from Baijavier's channel. Every step on the ladder has one of his videos: what to do, why, and the product he uses.
Watch all his videos
Free calculators
Seven tools to run your numbers before you decide. No account needed.
Your plan, on your phone too
Install Finex on your iPhone or Android and sign in with your email: you will see the same plan, with its videos and calculators.
Rather not install anything? Everything works the same in the browser.
How Finex makes money
Finex is free because some providers pay a commission if you sign up through our links, at no cost to you. Finex is not personalised financial advice.
Is it really free?
Yes. There are no paid plans or in-app purchases. We earn a commission from the provider if you sign up for a product through our links.
Is this financial advice?
No. Finex is an educational tool that orders the usual steps of healthy personal finances. Calculations are estimates and the decisions are yours.
What do you do with my data?
We only ask for what is needed to compute your ladder. It is stored on servers in the EU and you can delete your account and all your data from Settings.
Why do you recommend one specific product?
For each rung we show a single product: the one Javier uses and explains in his videos. If you sign up through our link, the provider may pay us a commission, at no cost to you.
Why is crypto last?
Because it can lose all its value and is not covered by any guarantee fund. It only makes sense with money you can lose and with the other rungs done.
What is Finex missing?
Tell us what you would like it to do. We read every idea, and they help us decide what we build next.
Start at your rung
Five questions and your email to save your plan. No passwords.