FIN vs SELF.IO

FIN helps you settle group travel expenses in minutes. Know exactly who pays whom, even when multiple currencies are involved. Add payments, choose who paid and who joined, and FIN will calculate who should pay whom. It helps reduce the number of transfers and makes it easier to share the result with your group. Mixed currencies are supported by setting exchange rates for each trip. You can also choose the base currency for each trip, such as JPY, USD, EUR, or THB. Amounts are converted and organized clearly, so post-trip settlement is easier to understand. Main features: ・Split expenses among selected members ・Choose who paid and who joined each payment ・Choose a base currency for each trip ・Use multiple currencies with custom rates ・Set fixed amounts when someone pays more ・Calculate who should pay whom ・Copy and share the settlement result ・Save members and reuse them more easily with FIN Plus FIN is designed to stay simple. No login is required, and your data is stored on your device.

Stop tracking. Start owning. Most finance apps tell you where your money went. SELF.IO shows you who you're becoming. Every expense is a habit. Every habit is a choice. You decide what's building you up — and what's tearing you down. HOW IT WORKS Log an expense. Name it. Mark it as self-improvement or self-destruction. That's your habit now. Every time you spend on it again, log it under the same name. Watch your money move. SET A BUDGET THAT FITS YOUR LIFE Enter your monthly budget. SELF.IO breaks it down into a daily number so you always know what you can actually spend — not what you feel like spending. ARCHIVE YOUR PERIODS When a chapter ends, you close it. Hit Archive Period and get a full breakdown of where your money went and a score out of 100 based on how you lived. Every euro spent on self-destruction counts double. Go over budget? Lose 20 points. Stay under 75% of budget? Gain 5. Under 50%? Gain 10. THE VERDICT 70–100 → Thriving 40–69 → Surviving 0–39 → Struggling No accounts. No ads. No data leaving your phone. Just you, your money, and the truth about both. Own your habits. Own your life.