Invite-Only Private Beta · Public Launch Early 2027 · Zero Ads

Precision Personal Finance. Zero Leaks. Native Spanish Fiscal Intelligence.

Organize your accounts, stay ahead of credit card bills, understand your real take-home pay after taxes, and share household expenses without losing your personal space.

Try 34 days free (€0)Explore Loyalty Pricing

panel.linceapp.es/tesoreria

Synced

Checking+640.00 €

Today 6,420.00 €Dec 7,060.00 €

Savings+2,400.00 €

Today 18,500.00 €Dec 20,900.00 €

Investment+1,700.00 €

Today 22,450.00 €Dec 24,150.00 €

Cash+120.00 €

Today 1,250.00 €Dec 1,370.00 €

Net WorthInvestmentSavingsCheckingCash

━━ Actual (Jan-Oct)- - Plan (Nov-Dec)

Every item in your budget instantly updates your bank account forecast

panel.linceapp.es/presupuesto

A = B

Month flowActual / Plan

Total Income3,850.00 € / 3,850.00 €

100% collected · Completed

Total Expenses2,182.60 € / 2,350.00 €

93% spent · Remaining: 167.40 €

Net position

Surplus: +167.40 €✓ Difference A/B: 0.00 €

Actual 6,420.00 €

Plan 6,252.60 €

BreakdownPlanActual

Previous month+5,952.60 €+5,952.60 €

Income (incl. transfers)+3,850.00 €+3,850.00 €

Expenses-2,350.00 €-2,182.60 €

Savings-600.00 €-600.00 €

Investment-600.00 €-600.00 €

Account Treasury Forecast(Projected end-of-month balance based on budgeted flows)

BBVAΔ +300.00 €

Primary Payroll Account

Current balance (today)4,120.00 €

Forecast end of month4,420.00 €

SantanderΔ -167.40 €

Shared Household Account

Current balance (today)2,300.00 €

Forecast end of month2,132.60 €

MyInvestorΔ +600.00 €

High-Yield Reserve Account

Current balance (today)18,500.00 €

Forecast end of month19,100.00 €

Indexa CapitalΔ +600.00 €

MSCI Index Fund Portfolio

Current balance (today)22,450.00 €

Forecast end of month23,050.00 €

Housing, Home & CardsExpense

Expenses 1,832.60 € / 1,850.00 €

Name	Account	Budgeted	Actual	Difference	Status
Primary Fixed Mortgagerecurring	BBVA	950.00 €	950.00 €	0.00 €	✓ Reconciled
Utilities & Groceriesrecurring	Santander	280.00 €	262.60 €	+17.40 €	✓ Completed
Credit Card Settlement (Month-End)card	BBVA	620.00 €	620.00 €	0.00 €	✓ Reconciled

Systematic Savings & InvestmentSavings + Investment

Savings + Investment 1,200.00 € / 1,200.00 €

Transfer to Emergency Bufferrecurring	MyInvestor	600.00 €	600.00 €	0.00 €	✓ Completed
Monthly Index Portfolio Contributionrecurring	Indexa Capital	600.00 €	600.00 €	0.00 €	✓ Completed

6 Core Pillars

Everything you need to know where your money is today and how much you will have at year-end, without endless spreadsheets.

A budget that adapts to your real life

Plan your income, fixed bills, and savings month by month. If life changes, adjust in seconds or copy your setup from one month to the next without starting from scratch.

Your banks and your budget always match

Stop wondering why your bank balance does not match your notes. Lince compares your plan against your actual balance so no expense slips through the cracks.

Credit cards without end-of-month surprises

Log card purchases today knowing the exact day they will hit your checking account, so your available balance always shows the money you can truly spend.

Understand your payslip, bonuses, and taxes

See how a raise, bonus, or family change affects your net take-home pay, with national and regional tax brackets explained step by step.

Clear finances for couples and families

Create a shared space for household bills while keeping your personal accounts private. Everyone sees shared expenses and chooses what to share.

An assistant that helps you make better decisions

Ask questions about your month, spot bills that crept up unnoticed, and see which step to take next to save with peace of mind.

A clear, step-by-step path to peace of mind with your money

You do not have to do everything on day one. Lince guides you from organizing this month’s bills to planning your long-term savings.

0125%
Know where your money goes
Bring your accounts, bills, and cards together in one place to clearly see what comes in, what goes out, and your real monthly margin.
0250%
Stay ahead of upcoming bills
Plan for annual renewals, insurance, holidays, and card bills before they arrive, so no month catches you off guard.
0375%
Build your peace-of-mind cushion
Separate your emergency fund from everyday spending money and track your real progress month by month without mixing savings and checking.
04100%
Look to the future with confidence
Simulate salary changes, debt payoffs, or family goals while seeing how your net worth grows over time.

Step-Down Loyalty Pricing

Start with 34 days free. Then 3 months at €9.99/mo, 3 months at €4.99/mo, and €1.99/mo forever after that.

34-Day Free Trial

Days 1–34100 % Gratis

0.00 €

Days 1 to 34 · No strings attached

34 full days to try everything at your own pace
All premium features unlocked
No credit card required to start
Unlimited imports and reconciliation
Priority onboarding support

First 3 Months

Months 2–4Tarifa base

9.99 €/mo

Months 2 to 4 · Initial subscription

Complete prescriptive budgeting
Personal and family multi-spaces
Fiscal engine and tax simulations
MCP connection for Claude & Cursor

Next 3 Months

Months 5–7-50% automatic

4.99 €/mo

Months 5 to 7 · Automatic -50%

Automatic 50% loyalty discount
Historical trends and annual audits
Mortgage & investment simulators
Early access to new tools

-80% forever

From Month 8 Onward

Month 8+ forever-80% forever

1.99 €/mo

Month 8 onward · -80% forever

Lifetime fee locked at 1.99 €/month
Node upkeep and encrypted storage
Continuous AI and coaching ecosystem
Permanent price-freeze guarantee

* The 50% and 80% discounts reward uninterrupted membership. If you cancel your subscription and return later, your subscription restarts at the initial €9.99/month tier without the 34-day free trial.

Simulador interactivo de lealtadSimulate your loyalty timeline and cumulative savings:12 months

34 días (0€)Meses 2–4 (9,99€)Meses 5–7 (4,99€)Mes 8+ (1,99€)

Cumulative Lince cost:54.89 €

Standard flat SaaS cost (9.99 €/mo):119.88 €

Your loyalty savings:+64.99 €

Effective average monthly cost:4.57 €/mes

Radical Transparency: Zero Ads, Zero Data Selling

Our business model relies purely on subscriptions and transparent microservices. We never sell your data or serve commercial advertisements.

In-App AI Suite

Native access to advanced frontier models for automated expense audits and coaching.

Encrypted Payroll Vault

Zero-knowledge encrypted cloud storage for your contracts and historical payslip PDFs.

Limited Spots

Request Early Access

We admit new members in controlled cohorts to provide dedicated attention and flawless onboarding.

Planned public launch: Early 2027

Lince is currently in an invite-only private beta. Join the waitlist to reserve your spot in upcoming early-access waves and lock in your 34-day free trial at launch.

Priority wave onboarding
We invite early members in controlled cohorts to guarantee direct support.
Loyalty tier lock-in
Start with 34 days at €0 and advance to €4.99/mo and €1.99/mo forever.
Strict privacy · Zero spam
Your details are only used to manage your Lince invitation.