Stop living Paycheck-to-Paycheck

Take Control of your Financial Future Today!

Choose Your Path to Financial Freedom!

Use code LAUNCH2025 for 50% off the FinKratt Report and all Coaching Packages! 🚀

*If you need a one-time Financial Coaching Session or want to purchase additional Follow-Up sessions, please reach out at info@finkratt.com. A 1-hour Financial Coaching Session costs €59.90, while a 30-minute Follow-Up Session is €39.90.

Testimonials

What people say about us

“Finkratt has truly been a game-changer for me! I’ve been trying to educate myself for a while, but the practical knowledge I gained from Finkratt made everything click. I finally feel like I know how to start tackling the often overwhelming process of fixing my personal finances.”

Jacobina de Rivera

“I had two coaching sessions with FinKratt and they really helped me organise my finances and set clear goals. Thanks to that structure, I built my emergency fund and expect to be debt-free in two months. After that, I’ll start saving for a security fund in case I lose my job or decide to quit.”

Federico Torres

“I’m very satisfied with the results so far through the FinKratt system. I highly recommend booking a session and reviewing your finances—you have nothing to lose, and you’ll quickly see how beneficial it is to improve how you manage your money and reach your goals.”

Alejandro Cartagena

“I already had savings and a rough idea of my spending, but FinKratt helped me rethink how I split my money—between wants, needs, and growth. It made me more aware of where my money goes. The idea of building a savings ladder gave me peace of mind I didn’t know I needed.”

Thomas Ellert

We want to take you beyond budgeting

You Deserve More Than a Budgeting or Financial Literacy App

Budgeting requires discipline and consistent tracking, which can be discouraging. Financial literacy, while important, doesn’t ensure success without practical, guided action plans and ongoing support.

What Do People Need?

People need personalised roadmaps, cash-flow control, real-time financial feedback, and financial companionship.

The Problem

People are financially stressed

Most Europeans have Savings Capacity

According to the latest EU statistics, 21.4% of Europeans live in or are at risk of poverty. However, the rest have potential for discretionary spending and saving for future needs.

78.6% EU discretionary spending graph

Yet, Almost Half Live Paycheck-to-Paycheck

Despite the potential for saving, many Europeans still live paycheck-to-paycheck. This is often due to financial illiteracy and poor planning, limiting their ability to save.

With Many Resorting to High Interest Loans

Many Europeans rely on high-interest consumer loans, which offer quick relief but lead to long-term financial strain, trapping people in a cycle of debt and instability.

Europeans and the Rest of the World Can Do Better

Europe is one of the richest regions globally, yet many still struggle with debt. In other parts of the world, the situation can be even worse. With FinKratt, you get the guidance and tools to take control of your finances, pay off debt, and build a stable financial future.