Private by design — no bank credentials shared

Your whole financial picture,
Private by design

Accounts, budgets, loans, investments, and net worth — plus a real FIRE planner with Monte Carlo simulation — in a private tracker you fully control. No bank credentials shared, no third parties involved.

app.fiscotrail.com/dashboard
F
Dashboard · Net Worth
+$248,910.22
Assets $301,450 · Liabilities $52,540
Assets
House
Investment
Car
Total
$777,895.00
Budget · This Month
Groceries$410/$500
Dining Out$365/$300

Everything you need to manage your money

Track Everything
Log transactions, transfers, and refunds across all your accounts and credit cards in one place.
Real Balance Sheet
A proper classified balance sheet and net worth trend, correctly split into current and non-current.
Effective-Dated Budgets
Change a budget and it applies from that month forward — past months stay locked as an accurate record.
Real Loan Amortization
True annuity math for mortgages and loans, with automatic principal/interest splitting on every payment.
Recurring Loan Payments
Fixed day, first working day, or last working day of the month — FiscoTrail records it automatically.
Investment Tracking
Holdings, dividends, and fees across stocks and crypto, with daily price updates and ticker logos.
FIRE Planner
Project your path to financial independence using your real income, expenses, and loan payoff schedule.
Multi-Currency
Every account and asset can hold its own currency — everything converts to your home currency automatically.
FIRE Planner

See your real path to financial independence

Most FIRE calculators ask you to guess your numbers. FiscoTrail feeds them from your actual trailing income and expenses, and — uniquely — factors in your real loan payoff schedule, since a mortgage finishing partway through your timeline genuinely changes when you can retire.

A built-in Monte Carlo simulation runs thousands of randomized market scenarios, showing you a realistic range of outcomes — not just one optimistic line. Every assumption is yours to adjust. Nothing here is financial advice.

Projected Path to FI
Median simulated outcome, with a realistic range shown around it — not a single guess.
Holdings
AAPL+$4,210.50
BTC/EUR+$1,894.02
TSLA-$312.40
Investments

Stocks, crypto, and dividends — properly tracked

Real per-ticker logos, daily automatic price updates for US-listed stocks and major cryptocurrencies, and full support for dividends, fees, withholding tax, and realized gains — all flowing correctly into your Income Statement and Cash Flow.

Every holding can carry its own currency, and past months are locked to the price and quantity that actually applied at the time — a stock moving next week never rewrites what last month showed.

Why Private by Design Matters

No bank connections, ever

No bank credentials, ever requested
Most finance apps need your bank login to sync automatically. FiscoTrail never asks for it — you enter data yourself, or import it from a CSV, which means there's no bank password sitting anywhere for anyone to steal.
Isolated at the database level
Row-level security enforces that your data is only ever visible to your own account — not just the app's interface, but in the database itself.
Hosted entirely in the EU
Your data is stored and processed in the European Union, encrypted in transit and at rest.
Never sold, never shared
Your financial data is yours. It's never sold, shared with advertisers, or used to train anything.
Read the full Privacy Policy →

Frequently asked questions

You enter transactions yourself, or import them in bulk from a CSV file — FiscoTrail never asks for your bank login.
Loan payments use real annuity math, splitting principal and interest on every payment. The balance sheet is fully classified into current and non-current, with net worth tracked over time.
Yes. FiscoTrail never asks for bank credentials, enforces row-level security at the database level, and is hosted entirely in the EU. Your data is never sold or shared.
Yes — the FIRE Planner projects your path to financial independence from your real income, expenses, and loan payoff schedule, with a Monte Carlo simulation showing a realistic range of outcomes.
Yes. Every account and asset can hold its own currency, and everything converts to your home currency automatically.
FiscoTrail is currently free to use during its beta period.

Ready to see where your money goes?

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