Stop living Paycheck-to-Paycheck

Take Control of your Financial Future Today!

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How It Works

1. Audit your Finances

Know where you stand by providing an honest and complete picture of your financial situation.

2. Commit to ‘Debt Zero’

Clear your debts systematically and avoid accumulating new bad debt to achieve financial health.

3. Start advancing!

Follow the roadmap to create a proper financial structure and secure a better, more stable financial future.

Go beyond budgeting

People Need 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.

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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.
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