Your financial universe, in order
Know what you have, what you pay
and by when.
Keep the company, the PFA and your personal money in one place. Your accountant gets everything they need straight from the app, with no phone calls and no WhatsApp photos.
Create a free accountNo card · no access to your bank · estimates are not tax returns
See how it looksSee the app
In 30 seconds: what you see when you open the app
Overview · All your spaces at a glance: how much is in each, what is coming up and what needs attention.
Real captures of the app · demo data- 1Create your account, no card needed
- 2Add your company, PFA or personal space and upload the statement
- 3See what you have to pay and by when
We write the story together.
FinCosmos is in alpha. We are building it with the first companies, PFAs and accounting firms: what you tell us goes into the app. Write to us from the app; the FinCosmos team answers.
It remains free of charge for everyone who creates an account during the alpha.
Create a free accountFor you
Who it is for
Me and my family
See your everyday money: what you spend, what you set aside and how far it goes.
- Spending and savings, by category
- Import the bank statement instead of typing
- See how many months your safety fund covers
I am self-employed
Your income, spending and taxes, in one place.
- Income norm or real system, with pension and health contributions estimated
- Photograph the document and it stays with the record
- Prepare the annual return together with your accountant
I run a company
Everything about the company’s money, so you always know where you stand.
- Invite your accountant by e-mail
- Contracts and the payments coming up
- Salaries, shareholders and dividends
- Taxes and VAT, with a reserve set aside
- Hand the month to your accountant straight from the app
I am an accountant
Your clients give you access, not questions.
See all your clients in one list: who handed over the month and what is missing.
- Delegated access: you see everything in the company, without being able to change anything
- The month’s handoff: see what is missing and request documents with one click
- Requests and comments sit directly on the document
Importing statements
Upload CSV, PDF or ZIP. FinCosmos reads the statement, turns it into records and shows you what to check before it goes into your finances.
The app cannot initiate payments and does not access your bank account.
- 1Upload the file you got from the bank
- 2Records are classified for you; we show you the ones to check
- 3You confirm them and they go into your finances
What it does
What FinCosmos does
Financial clarity
Know how much is in your accounts and whether the figure is confirmed or estimated.
Planning and contracts
See the contracts and payments ahead, over 30, 60 and 90 days.
Company and obligations
See the taxes estimated from your records, with what is confirmed and what is not.
Working with your accountant
Export the whole month, documents included.
Privacy
Your data stays yours.
Encrypted, in the EU
Your data is stored encrypted, on servers in the European Union.
The accountant sees, does not change
You give access to a space; they see everything in it and cannot change anything.
Questions
- Is it free?
- Yes. It remains free of charge for everyone who creates an account during the alpha. You start without a card and use everything in the app.
- Does it replace my accountant?
- No. It gives your accountant what they need, on time, without phone calls or e-mails with photos.
- Can I keep the company, the sole trader business and personal money separate?
- Yes. Each is a separate space in the same account, and you see them all at a glance.
- Where do the tax figures come from?
- From the company’s tax regime and your records. Whatever is not confirmed shows as an estimate, with the reason why.
- Does it work in other countries?
- FinCosmos is built for Romania. Those who need other countries find them in the tax settings.