BUDGETING? FAK IT!

FAK is a privacy-first personal budgeting and spend tracker app that helps you understand what you can afford to spend today. Unlike traditional budgeting apps, FAK doesn't require bank linking. You stay in control by logging your spending manually, with optional Spend Assist reminders for supported Apple, Google and Samsung Wallet payments. Choose a budget type that suits your finances, track your spending, and let FAK help you make smarter everyday money decisions.

Many traditional budgeting apps want you to track every cent, connect your bank accounts, and spend hours managing your finances. FAK takes a different approach! Built around the idea that the best budget is one you actually stick to, FAK focuses on simplicity, privacy, and making everyday spending decisions easier. Instead of drowning you in statistics and complicated financial reports, FAK helps you understand one simple thing: how much can I afford to spend today? With flexible budgeting engines, fast spend logging, optional Spend Assist reminders, and a little cheeky encouragement along the way, FAK makes budgeting feel less like homework and more like something you can actually live with. FAK the math, enjoy your cash!

You bet! FAK is built with privacy in mind and uses secure authentication, optional two-factor authentication, and other safeguards to help protect your account and financial information. Unlike many traditional budgeting apps, FAK never asks you to connect your bank accounts or share your banking credentials. FAK only requires an email address to register, and for the extra paranoid, there's even optional two-factor authentication (2FA). Your spending is logged manually, with optional Spend Assist reminders for supported digital wallets. FAK uses secure authentication and cloud-based storage to help protect your financial information and keep your data synced between devices. All subscriptions are processed directly through Apple and Google, so FAK doesn't collect your bank or card details for subscription payments. FAK is designed to help you manage your money without giving up control of your personal financial information.

Because your bank account isn't a FAKn peep show! Bank linking can be convenient, but it means giving another app access to sensitive financial data. And how much time does it really save? FAK is designed to make manual spend logging ridiculously quick. Once you're used to it, logging a purchase takes around 5 seconds. Even at 4 purchases a day, that's just 20 seconds! Is sharing your banking data worth saving a few seconds a day? FAK thinks that's a pretty crappy trade-off. And most importantly, automation skips that little moment of financial awareness when you stop, acknowledge what you've spent, and think about what's left. Because staying in control of your money beats putting your brain on autopilot!

FAK is built for everyday spending control, not perfect accounting. But how much difference does rounding really make? FAK explored this using a mathematical model of 3 to 4 purchases a day over 30 days, assuming each purchase is rounded to the nearest whole number (e.g. €3.49 becomes €3, €3.51 becomes €4) and cents are randomly distributed. The result? On average, the rounded monthly total differed from the exact total by less than €4. Of course, this is based on a simplified model of spending, and your results may vary. So don't take it as a guarantee. But FAK's philosophy is simple: decimals add precision, but not necessarily much practical value when you're just trying to control everyday spending. And currency symbols? Well, they're just plain ugly.

FAK's budgeting engines work slightly differently depending on your chosen budget type, but they share a common goal: keeping your spending on track! Spend less than your daily allowance, and FAK's Reward Mode gives you a little extra breathing room tomorrow. Overspend? No FAKs given! Recovery Mode spreads the damage across the remaining days of the month, adjusting your daily allowance so you can still spend, just a little less. Stick to your adjusted allowance, and you'll gradually work your way out of recovery and back into Reward Mode. Whatever happens, FAK helps you stay within your monthly spending goals. And when a new month begins? A fresh start, with your daily allowance reset and another chance to nail those goals!

It depends on your budget type!

Changed your mind? No problem! FAK lets PRO users choose from different budget types based on their financial needs and how they earn their money. However, once a budget has been created, its type cannot be changed. If your circumstances change, simply create a new budget using the type that works best for you. Your existing budgets and their spending history remain available, so you can switch between budgets without losing track of your finances. And don't worry, your budgets remain customisable! Daily spending limits, salaries, recurring expenses, and other settings can be adjusted as your financial needs change. Because life changes, and your budgeting approach should be able to change with it!

Yes! FAK offers two plans: FREE and PRO. Every new user gets 30 days of FAK PRO, on the house! After your trial, you can keep enjoying all the PRO features for just (or your local currency equivalent), or continue using the FREE Spend Tracker. The FREE version is great for tracking general spending, with manual spend logging, Spend Assist, and basic reports. Upgrade to PRO to unlock categorised spending, detailed statistics, advanced budgeting tools, and more.

FAK offers a FREE tier alongside one simple monthly subscription. FAK PRO is available for just (or your local currency equivalent), giving you full access to all PRO features.

Below is a breakdown of the FAK features included in each tier.

No FAKs given! Once your trial ends, you can continue using FAK's FREE Spend Tracker. However, to keep your Income Hustler and Paycheque Princess budgets active, you'll need to subscribe to FAK PRO before your trial ends. Otherwise, these budgets will permanently expire and become read-only. Don't worry, your financial history and reports will remain available, but you'll need to create new PRO budgets if you subscribe later. Your Spend Tracker will remain available, but new spending will be limited to the General category, and detailed statistics will be locked. You'll still be able to use Spend Assist, widgets, and basic reports. There's no obligation to subscribe, and you can upgrade to FAK PRO whenever you're ready!

No hard feelings! If you cancel your FAK PRO subscription, you'll keep all your PRO features until the end of your current paid subscription period. After that, your Income Hustler and Paycheque Princess budgets will permanently expire and become read-only, but your financial history and reports will remain available. Your Spend Tracker will continue working on the FREE tier, with new spending limited to the General category and detailed statistics locked. If you decide to subscribe again later, you'll regain access to PRO features, but you'll need to create new Income Hustler or Paycheque Princess budgets, as expired budgets cannot be reactivated. So, if you're planning to take a break from PRO, just remember to keep an eye on your subscription end date!

Oh, for FAK's sake! Forgot to log another purchase? FAK Spend Assist has your back! This optional feature helps you remember to log your spending by detecting supported Apple, Google and Samsung Wallet payments and sending you a friendly reminder. When available, FAK even captures the purchase amount to make logging quicker. Simply tap the reminder to open FAK, review your purchase and log it in seconds! Pending purchases are also stored in the app if you want to deal with them later. You're always in control. FAK never automatically adds purchases to your budget without your confirmation. Spend Assist is available to FREE and PRO users, with no bank linking required. Just enable Spend Assist, follow the simple setup instructions and let FAK give your memory a helping hand!

Handy tip! Set your favourite apps to use your digital wallet as the payment method wherever available, giving Spend Assist more chances to catch your purchases.

FAK's handy Home Screen widgets let you see what's left to spend today at a glance, without even opening the app. Ready to log a purchase? Just tap the widget to jump straight to the Spend Logging screen. Less tapping, less fuss, and more time for the things that matter!

You bet! FAK keeps a record of your spending so you can look back and see where your money went. Browse your spending history, review your budgeting progress, and generate handy reports to get a clearer picture of your financial habits. FREE users can track general spending and access reports, while FAK PRO unlocks detailed statistics and categorised spending insights. You can even export reports as PDFs when you want to keep a copy or review your finances outside the app. Because knowing where your money went is the first step towards deciding where it should go next!

Well, sort of, but not officially! FAK is currently designed around individual accounts and personal budgets, so dedicated budget sharing isn't fully supported yet. There is, however, a cheeky little workaround! You can sign in to the same FAK account on multiple devices and keep your budget synced between them. This means you and your partner or family members can track spending against the same budget. Just remember, everyone shares the same financial information, spending history, and budget. So if Daddy's planning a little naughty night out, he'd better know the whole family can see where the money went! Just a heads-up: FAK doesn't support simultaneous budget editing across devices, so take turns updating your shared budget to avoid syncing conflicts. It's not quite proper family sharing, but it can do the trick until FAK introduces a dedicated solution.

Nope! FAK supports one account per device to help protect your financial information and maintain secure device ownership. You can't simply log out and switch between different FAK accounts on the same device. If you want to use a different FAK account on the same device, you'll first need to delete your existing account and its associated data, then uninstall and reinstall FAK before starting fresh. Your budgets and financial history cannot be transferred between accounts. Choose your email wisely!

Breaking up with FAK? No hard feelings! When you delete your FAK account, your account information, associated cloud backup, and applicable local budgeting data are deleted in accordance with FAK's App Privacy Policy. To remove any remaining locally stored app data from your device, simply uninstall FAK after deleting your account. If you have an active FAK PRO subscription, remember to cancel it separately through Apple or Google, as deleting your account does not automatically cancel your subscription. It will be sad to see you go, but your money, your data, your choice!

Of course! There's no need to wait until the first of the month to get your finances in shape. FAK lets you start budgeting whenever you're ready, even halfway through the month. Simply choose your budget type, enter your financial details, and FAK will calculate your spending allowance based on the days remaining in the current month. For income-based budgets, your initial financial setup is locked for the remainder of your first month, but you can still schedule changes to take effect from the first day of the following month. From your second month onwards, you'll have more flexibility to adjust your budget for the current month or schedule changes for the next. When a new month begins, FAK automatically refreshes your spending plan, giving you a fresh start. Because there's no better time to take control of your cash than right now!

Absolutely! FAK PRO makes planning your regular monthly expenses a breeze. Whether it's rent, utilities, insurance, subscriptions, planned savings, or that gym membership you keep promising to use, simply add your expenses and FAK automatically factors them into your budget calculations. Recurring expenses are fully customisable and individually itemised, giving you one handy place to organise and manage your financial commitments. It's particularly useful for keeping track of all those subscriptions that quietly eat away at your cash! You can organise expenses into categories, adjust individual amounts, and even schedule changes for future months. And because FAK already accounts for these expenses in your budget, there's no need to log them again as daily spending. Less guesswork, fewer surprises, and more control over your cash!