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44Finance
Dashboard
Apr 2026loading…
Period progress
Spending by category
Monthly spend
Recurring — expected vs actual
Balance trend
Credit card transactions
Transactions
Report
Spend by category
By month
Top merchants by spend
Year-over-year comparison
Current year vs previous year monthly spend. Uses all transactions regardless of period filters.
0 selected
Recurring items
0 selected
Recurring items are planning templates — they don't create transactions. Click ✎ to edit · click amount to update · × to delete
Summary
Monthly plan
Income
Bills & expenses
Balance projection
Repayment forecast
Payoff timeline
Settings
Expense categories
Income categories
Your credit cards
Set the start date of each pay period. Finlo counts all transactions from one start date up to (but not including) the next period's start date as belonging to that period.
Example: paid 24 Mar → set March start to 2026-03-24. Paid 25 Apr → set April start to 2026-04-25. Everything between those dates is counted in your "March" period.
then adjust months where pay day shifted
Starling Bank — Personal Access Token
Connect directly to your Starling account using a Personal Access Token (no OAuth required).
1. Go to developer.starlingbank.com/personal
2. Create a Personal Access Token with read:transaction and read:account scopes
3. Paste it below along with your Account UID (found in the token details)
Your Cloudflare Worker that proxies requests to api.starlingbank.com — see the Cloudflare Worker code below.
Stored only in your browser's localStorage — never sent to Firebase.
Direct Debits
Pulls all active Direct Debit mandates set up on your Starling account, along with their most recent payment amount where available. Requires the mandate:read scope on your Personal Access Token.
Payee
Reference
Status
Last payment
Amount
Total: / month
Auto-sync
When enabled, transactions are pulled automatically in the background. Last sync: never
Cloudflare Worker — deploy this
Copy this Worker code into a new Cloudflare Worker. It proxies Starling API requests from your app (avoids CORS) and forwards your PAT securely via a header.
Appearance
Press ? anywhere to see keyboard shortcuts.
Backups
A snapshot of your data is kept automatically for each of the last 7 days on this device. You can also download a full backup file, and restore from one at any time.
Recently deleted
Deleted transactions are kept here for 90 days (synced across devices) and can be restored individually.
Data management
Clears all transactions and loans but keeps your categories and pay period settings.
Resets everything back to a completely blank state, including categories and pay periods.
Auto-categorisation rules
Rules run automatically on CSV import and Starling sync. The first matching rule wins.
Suggestions are your most frequent uncategorised merchants — pick a category and add each as a rule; matching transactions are categorised immediately.
Recent activity (last 50 actions this session)
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Add transaction
Adds this to the Recurring page for planning. Won't create extra transactions.