Free beta — no payment required

Feel the pulse
of your finances

Get your score in 30 seconds — and see where your finances are taking you. A complete report that adapts to your level.

See my quick score Start now
Scroll

Recognize these signs?

If any of these sound familiar, you're in the right place.

Your money disappears before the end of the month?

Financial flatline signal. Let's find out where it's going and how to reverse the trend.

Debts that keep growing?

Irregular rhythm. You need a concrete plan to regain control month by month.

Not sure if you're saving enough?

The trend might be positive, but without numbers you can't be sure. Let's measure.

Complexity level

The report adapts
to your level

Don't understand finance? No problem. Prefer more technical terms? There's an option for you too. The complexity slider controls the language of the form and report — from "everyday language" to "technical terms like DTI and OPEX".

Simple Normal Expert
Complexity 58%
Simple Normal Expert
Debt-to-income ratio Normal
Emergency fund Normal
Savings rate Normal

How it works

No account. No data stored. Everything happens in the moment.

Fill in the form

Income, expenses, debts, savings and goals. Takes less than 10 minutes.

Get your instant report

11 sections that show where you're headed, not just where you are: health score, what-if scenarios, financial freedom number and action plan.

Adjust and regenerate

Change complexity level, fix values, try different scenarios. As many times as you want.

What you get in the report

A document with 11 sections, with your real numbers — and what they say about your future.

📊

Financial Health Score

Score from 0 to 100 with 4 pillars: cash flow, emergency fund, debt and savings.

🧩

Expense Analysis

Complete categorization with charts. See where every euro goes — essentials vs. non-essentials.

🎯

Goals Analysis

Up to 3 financial goals with feasibility assessment: realistic, challenging or unrealistic.

🔮

What-If Scenarios

"What if I cut 10% of expenses?" "What if I got a raise?" See the impact on your surplus and score.

🛡️

Safety Net

How many months can you survive without income? Emergency fund analysis with recommendations.

📋

Where You Can Keep More

Concrete, ranked savings opportunities — each with the €/year it frees and the trade-off, in plain language.

Real example

See a real example of the report

This is the PDF you receive — clear, useful and forward-looking: where you are today and where your current path leads.

See a real example econklar
Download sample report (PDF)

Excel calculator

Run the numbers yourself — free.

A spreadsheet with the same formulas as the report. Open, no macros, no sign-up.

Download calculator (Excel)

Quick calculator

Find out your score
in 30 seconds

Four numbers. One score. Zero judgment.

Simplified estimate. The full report uses more variables for a more precise result.

Find out your score →

Legal Notice: This planner is an educational and informational tool. It does not constitute personalized financial advice. For important financial decisions, consult a certified professional.

Ready to feel the pulse
of your finances?

No account. No data stored. Fill it in, get the report, and we forget about you. As it should be.

Start now — it's free See my score first

Frequently Asked Questions

Who is econklar for?
Perfect for you if you want financial clarity without obsessive control, have relatively stable income, prefer a simple 12-month overview, and value privacy. Not ideal if you want automated daily tracking, financial consulting, complex tax management, or a feature-rich app.
Is my financial data safe?
Yes. We don't store any data. Your financial information is processed in memory only to generate the report and is immediately discarded. No database, no user accounts, no bank connection.
What information do I need to fill the form?
Monthly income, approximate expenses (housing, food, transport, etc.), debts, and savings. You don't need exact figures — estimates work perfectly. Most people complete it in under 10 minutes.
Can I regenerate my report if I make a mistake?
Yes, during beta you can regenerate your report with no limits. If you entered a wrong value, just fill in the form again and get a new report.
Is this financial advice?
No. econklar is an educational and informational tool that organises your numbers and generates general recommendations. It does not replace professional financial advice. For important decisions, consult a certified professional.
How long does the whole process take?
Less than 10 minutes to fill the form. The report is generated in seconds and downloaded immediately. You get a complete report with financial score, 12-month projection, and action plan.
How is econklar different from a budgeting app?
Budgeting apps ask you to track every expense, every day. econklar is different: you fill it in once a year, and get a complete report with score, scenarios and action plan. No daily tracking, no notifications, no bank connection.