Add your accounts
Keep current, savings, cash, reserve, and liability balances in one calm view.
Household cash planning
Money with a plan.
Know what is genuinely safe to spend after reserves, upcoming commitments, and liabilities are accounted for.
Built for EUR households in Portugal. Currently available to a limited beta group.
Farol FinanceSH
SILVA HOUSEHOLD
Money with a plan.
A clear view of what is genuinely available.
SAFE TO SPENDEUR 151After reserves and commitments due before next income.
How this is calculatedEUR 6,350 spendable cash- EUR 4,770 allocated reserves- EUR 1,429 due before income
EUR 151 safe to spend
EUR 151 safe to spend
Total cashEUR 10,400ReservedEUR 4,770LiabilitiesEUR 640
Your bank balance is not your spending limit.EUR planning, without accounting software.Manual by design during beta.
The gap Farol fills
A balance tells you what you have. Farol helps you see what is available.
Rent, annual bills, savings goals, and card payments can all sit inside a bank balance that looks spendable. Farol puts those obligations in view before they become surprises.
Protect what matters
Set aside reserve pots and add commitments due before your next income.
Use the clear number
Make everyday decisions with a practical safe-to-spend amount based on your plan.
The Farol model
One number. Nothing hidden inside it.
Farol keeps the calculation understandable so you can trust what you are looking at.
Try the beta model ->spendable cash-allocated reserves-commitments before income=safe to spendLiability balances stay visible separately.
The product
Designed around the decisions you make every week.
See the number that matters.
Start with a clear safe-to-spend view, then understand exactly how it was calculated.
Open the app ->Know where money lives.
Keep spendable cash, protected reserves, and liabilities distinct.
Make what is coming visible.
See recurring and one-off costs before they become surprises.
Keep the plan current.
Spot stale balances and the next actions that keep your view honest.
Clear planning. Your data stays yours.
A calmer approach to household cash.
Workspace-based access. Your planning records are separated by household workspace and authenticated membership.
No bank connection during beta. You enter and control the balances and commitments used in your plan.
Clear boundaries. Farol is a cash-planning tool, not accounting, tax, investment, debt, or financial advice.
Founding cohort
Help shape a calmer way to plan household cash.
We are inviting a small number of EUR households in Portugal to test Farol Finance and help decide what comes next.
Questions, answered plainly
What to know before you join.
Does Farol connect to my bank?
Not during the beta. Farol currently uses the balances and planning information you enter yourself.
Do I need accounting knowledge?
No. Farol is designed around a practical household question, not bookkeeping or tax categories.
What currencies are supported?
The beta is designed for EUR households in Portugal.
Is Farol financial advice?
No. Farol is a planning and organisation tool. It does not provide accounting, tax, legal, investment, debt, or financial advice.
Will there be a paid plan?
Founding pricing will be shared with accepted beta participants before any payment is requested.
Can I use it with my partner?
Shared household membership is part of the product direction. The current beta is intentionally small while those workflows are completed.