Meet the engine of
Totem Finance
We are not just a simple expense tracker. We are a complete financial suite. Discover the details of every tool designed to optimize your money.
Daily Management
Customizable Dashboard
Your command center. Enter the app and understand your situation in 5 seconds.
- ✓ 100% Configurable: Add, remove, and move widgets according to what matters most to you.
- ✓ Adaptable views: Choose between full or compact information cards.
- ✓ Discreet mode: Hide sensitive data with a single tap if you are in public.
Bank Accounts and Cash
- • Complete categorized transaction history.
- • Balance evolution charts.
- • Collection of yields and profit forecasting.
- • Option to mark accounts as shared.
Cards
- • Support for Credit, Debit, and Prepaid cards.
- • Limit proximity and payment day alerts.
- • Warnings if card spending exceeds account balance.
- • Detailed and categorized transactions.
Work and Other Income
- • Track punctual or periodic income.
- • Annual and monthly earnings forecasts.
- • Monthly visual income calendar.
Bills and Subscriptions
- • Different frequencies and spending targets.
- • Average spending, last charge, and annual control.
- • Sinking funds: Alerts to save money month by month for annual bills.
- • Evolution, forecasts, and billing notifications.
Net Worth & Investing
Advanced Investments
Control every cent your money generates. A professional tool for diversified portfolios.
- ✓ Support for Stocks, Funds, Crypto, and ETFs.
- ✓ Control gains, losses, and invested percentages.
- ✓ Portfolio goals: Helps you keep your investments balanced.
- ✓ Asset history with charts and future projection.
- ✓ Easy tracking of yields and dividends.
- ✓ Deposits: Maturity alerts and inflation warnings.
- ✓ Calendar of future passive income.
Global Net Worth
Add physical assets (a house, a car, precious metals) and liquid assets (cash). Check the consolidated chart of your net worth and the history of your wealth fluctuations.
Strategy & Debts
Debts and Loans
Turn anxiety into an action plan.
- ✓ Personal Debts: Evolution charts, export transactions to PDF/Text to share them.
- ✓ Mortgages and Bank Loans: Detailed amortization schedule, payment history, and simulation of early repayments for total control.
- ✓ Snowball Method: Automatically tells you which debt to allocate your extra money to.
Flexible Budgets
- • Monthly, annual, or custom date budgets.
- • Assignable to categories, accounts, or cards.
- • "Rollover" type budgets (what you don't spend moves to the next month).
- • Manual decision of end date.
Goals and Challenges
- • Saving for large purchases (house, car, trip).
- • Accelerated debt reduction goals.
- • 52-week challenge.
- • "No-spend days" challenge.
Analysis & Intelligence
Professional Charts & Assistant
Everything you need to understand your money at a glance. Includes the Totem Assistant: a logic engine without generative AI to guarantee your privacy that answers pre-configured questions based on the exact calculation of your own data.
Financial Health
Analyzes your data and gives you the most important economic recommendations.
Analysis (21 metrics)
Savings rate, FIRE movement, emergency funds, and global score.
Pulse of the Month
Compare current projections vs previous months and years to know if you are doing well.
Close & Achievements
Final month balance and achievement unlocking to keep up the motivation.
Pro Tools
15 Financial Calculators
Import/Export
Upload your old data using our Excel template, or export your current data.
PDF Reports
Generate PDFs for financial analysis, expense sheets, debts, and bank loans.
Expense Sheets
Isolated budgets, perfect for dividing expenses of a trip with friends.
Calendar & Alerts
Check past events, future projections, notes, and upcoming charge alerts.
Settings: The app adapts to you
You decide how it looks and how it protects your information.
Security & Profiles
- 👥 Multi-profile: Separate your home and business finances.
- ☁️ Encrypted backups: Synchronization to your own Google Drive.
- 🔐 Access: Protect the app with PIN or biometrics.
- 👁️ Privacy Mode: Hide sensitive data from curious eyes.
Customization
- 🎨 Themes: Dark mode, light mode, and color palette variations.
- 🔔 Notifications: Month close, deposits, work collections, and future bills.
- 🏷️ Total freedom: Create new categories, adjust financial parameters, and the global currency.