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 signup, nothing to install.
The ladder
Six rungs, always in this order. Your situation decides where you stand and what unlocks the next one.
-
0
Expensive debt down to zero
If you are paying credit cards or personal loans, this comes before everything else.
-
1
An account that does not charge you
No fees and interest on your balance. The first change for almost everyone.
-
2
A cushion of three to four months
Money for the unexpected, kept apart from daily spending and available.
-
3
Mortgage or deposit
If you have a mortgage, review it. If not, the savings you will not touch start earning in a term deposit.
-
4
Invest for the long run
Index funds or a broker, only with money you will not need in the next five years.
-
5
Crypto, last
Only with what you can afford to lose, and after everything above.
How it works
Three steps, under two minutes.
Answer five questions
Income, expenses, savings, mortgage and debt. No documents, no bank connection.
See your ladder
Your current rung, what unlocks the next one and the reason behind each step.
Take the step when you want
For each rung we show the product we use, labelled as advertising. The contract is always with the provider.
Advertising and transparency
Finex is free because some providers pay a commission if you sign up through our links, at no cost to you. It is always labelled as Advertising. 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. When there is an affiliate agreement we label it as Advertising.
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.
Start at your rung
Five questions, no signup. Afterwards, save your plan if you want.
Start for free