FinCosmos A management cockpit for household and business money. Keep the family budget, the freelance books and the company apart in one account — each with its own currency, its own records and its own rules — and see them together when you want the whole picture. It answers two questions most tools leave to a spreadsheet: how much is genuinely safe to spend once the bills and the tax reserve are set aside, and how much a self-employed or company book should be putting away for tax. Every figure names where it came from, and a figure the app cannot stand behind is shown as withheld rather than as zero. It is not accounting software. It does not file returns, it does not replace an accountant, and its tax figures are estimates carrying the date and the source of the rules they were computed from. Interface in Romanian and English. Runs in a browser and as a desktop application for Windows and macOS. Native iOS and Android applications are in preparation and are not published.

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Everything FinCosmos does

The full list, by section. What is not here does not exist in the product — and what is marked as a limit is a limit, not a feature on its way.

Personal and family

Income, spending, savings and debts, in one place
Recurring records, with a pause and an end date
Your own categories, filled in from what you entered before
Savings goals and an emergency fund
What is left this month, and what you could withdraw
A financial health score, with what is worth knowing now
Personal taxes, across all your spaces

Self-employed

Receipts and payments, apart from household money
A tax reserve, worked out per year and per quarter
Projects, with what was realised kept apart from what is forecast
A handover to the accountant, with what they would need
Calculators: net income, contributions, thresholds

Self-employed money, kept apart from the household

Company

Micro-company or profit tax, with their thresholds
VAT, reverse charge included, with the return for the period
Payroll: the pay run, with employee and employer contributions and income tax
Rent: contracts, with tax withheld at source and an end date
Dividends: distribution, with the shareholder’s tax and health contribution
Shareholders and the cap table
Tax obligations, with their deadlines and payments
Vehicles on contract, with exclusive use and the expenses tied to them

The company, from payroll to dividends

For the accountant

You invite them by email, with an accountant role
They see what you gave them, not the whole account
You revoke their access whenever you want
One cabinet for every client: obligations, VAT, payroll, contracts
A thread on a record: ask for a document, an explanation or a check
Handing over a period, requested from the same place

What you get from a client who keeps FinCosmos

Import and documents

A bank statement from CSV, PDF, or an archive holding the whole year
Columns are matched once, then remembered
You download everything in your account, in one file
You close your account yourself, without asking anybody
Tables download as Excel or CSV

The bank statement, from a file

Tax

A reserve estimated from your records, not from a fixed percentage
Romania verified in-house; ten other countries documented, and it says so
Every figure with its basis: which rule, from which year
Thresholds watched: the micro-company cap, the VAT one

How much to set aside for tax