Finluency provides clear visibility into your financial situation by modeling cash and credit availability across multiple personal and business accounts.
Track posted, pending, recurring, and forecasted transactions to understand future balances and available funds—not just historical activity—and make informed, day-to-day financial decisions.
Early access — no commitment required.
Most financial tools tell you where you were. Very few help you understand what's coming next.
Your bank balance answers one question: "How much do I have at this exact moment?" It doesn't account for upcoming bills, scheduled payments, recurring expenses, or expected income. So decisions get made in the dark — even when the data technically exists.
Personal checking. Business accounts. Credit cards. Lines of credit. Each one lives behind a separate login, with no shared context. You're left mentally stitching things together just to answer a simple question:
"Am I actually okay?"
Bills don't always arrive on time. Taxes aren't always obvious. Recurring payments quietly stack up. And the cost of missing them isn't just stress — it's fees, penalties, and avoidable surprises.
Spreadsheets are fragile and manual. One mistake can throw everything off. Accounting software is powerful — but designed for record-keeping, not day-to-day decision-making. You shouldn't need to be an accountant to understand your financial situation.
Finluency was built for people who want clarity, not complexity.
From scattered accounts to confident decisions in three simple steps.
View cash and credit transactions across all your personal and business accounts in one place.
No more switching apps. No more guessing where money really is.
✔ Fragmentation • ✔ Multiple logins • ✔ Scattered data
Recurring, pending, and estimated transactions model your future balances and obligations.
Bills, income, and timing—before they surprise you.
✔ Late Payments • ✔ No forecasting • ✔ Short-term thinking
Know when cash tightens—or frees up—before it happens.
Make decisions with context, not stress.
✔ Reactive decisions • ✔ Anxiety • ✔ Uncertainty
One clear view of today and what’s coming next
Projected balances and future low points show how today’s decisions affect tomorrow—not just what your balance is right now.
So you can see the impact before it arrives.
Understand when cash tightens or frees up—before it surprises you.
See cash flow and credit availability across all your accounts—personal and business—in a single, unified view.
So you’re not piecing together answers from five different places.
No switching apps. No mental math. No guessing.
Built for real financial decisions—not accounting workflows or fragile spreadsheets.
So you can focus on decisions, not deciphering tools.
No jargon. No formulas. Just visibility you can actually use.
If you understand your money, you can control it.
Finluency makes that understanding effortless.
Finluency was built for people managing their own business and money at the same time.
You're responsible for every decision — income, expenses, and timing. Finluency helps you see what's coming so cash decisions don't sneak up on you.
Payroll, bills, taxes, and obligations don't wait. Finluency gives you visibility into future balances so you can stay ahead — not react after the fact.
When personal and business money live side by side, clarity matters more. See how decisions in one affect the other — over time.
Finluency is for people who:
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Manage both personal and business accounts
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Juggle multiple checking, credit, or cash accounts
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Wear multiple hats and don't have time for accounting workflows
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Want to know when money gets tight — before it happens
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Have missed (or nearly missed) a bill or tax payment
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Tried spreadsheets and outgrew them
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Make decisions based on timing, not just totals
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Need visibility into cash and credit availability
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Care more about clarity and confidence than accounting reports
Finluency is currently in early development.If you’d like to participate in early testing — or simply learn more — you can request access below.
Request Early AccessNo commitment. No spam. Just updates as Finluency takes shape.
No. Finluency is not a full accounting or bookkeeping platform. It does not provide double-entry ledgers, journal entries, or compliance reporting. Instead, it focuses exclusively on forward-looking cash flow and liquidity visibility through centralized transaction tracking.
Budgeting apps typically focus on categorizing past spending and comparing it to preset limits. Finluency emphasizes transaction-level detail and forward balance modeling—helping you understand what your account balances will be in the future based on scheduled and forecasted transactions.
Finluency tracks five transaction states: posted (completed), pending (initiated but not cleared), recurring (scheduled repeating transactions), budget (planned spending allocations), and forecasted (expected future transactions). This comprehensive view enables accurate forward balance projections.
Finluency is built for individuals and small, owner-operated businesses who need transaction-level visibility across multiple accounts. This includes sole proprietors, self-employed professionals, solopreneurs, and small business owners who require operational clarity without accounting overhead.
Finluency is currently in early-stage development. We are accepting inquiries from prospective users interested in early testing. Contact us to learn more about participation opportunities and expected availability.
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