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Create an account, add a manual account or connect a bank on Pro, then review imported transactions. Add monthly category targets after you have a realistic picture of income and spending.

No. Free accounts can use manual transactions and CSV imports indefinitely. Bank sync is optional and is available during a Pro trial or paid Pro subscription.

The household returns to the Free plan. You are not charged and your existing data remains available. Bank sync pauses until an owner or admin subscribes to Pro.

It still needs a category or an explicit approval. Review is a trust checkpoint: confirm the payee and amount, choose a category or split, then approve it.

Across every account, inflows are positive and outflows are negative. Credit cards and other liabilities display a positive amount owed, while charges increase that debt and payments reduce it.

Category targets are compared with planned income. If targets exceed income—or income is still zero—Fink shows the uncovered amount instead of presenting the plan as healthy.

Open Accounts and reconnect the institution. This commonly happens after a bank changes its sign-in flow, requires a new one-time code, or revokes an older connection.

Yes. Open Settings → Data export to download the active household’s complete transaction history as a UTF-8 CSV.

No. Plaid handles bank sign-in. Fink receives account and transaction data plus an encrypted access token, never your bank username or password.