Frequently Asked Questions

Fyrgo is for anyone who wants a clear picture of their finances over time without tracking every transaction. It's especially useful if you own a mix of accounts, investments, real estate and loans and want them in one overview, if you value privacy and prefer that your financial data never leaves your device, and if you'd rather see where you stand this month than know what you spent on coffee last Tuesday.

If you're used to categorising every transaction in other apps, Fyrgo is a step back, and deliberately so. The strength is the long-term view, not the day-to-day.

Three things.

First, everything stays on your device. No accounts, no cloud, no signup. Your data moves only when you export it yourself. No servers to breach, no analytics, no data selling.

Second, monthly instead of daily. You fill in a snapshot once a month instead of categorising every transaction. Less friction, longer perspective. Great for tracking trends, not for optimising spending.

Third, everything in one view. Bank accounts, investments, real estate, and loans all feed into the same net-worth number. The loan side even handles rate changes, extra payments, and short first-month interest correctly, which most other trackers skip.

Fyrgo Premium is €3,99 per month or €39,99 per year, which works out at €3,33 a month.

Those are the eurozone prices. In every other country Apple and Google set the local price themselves, so what you pay in your own currency is not an exact conversion of the euro amount. Your App Store or Play Store page always shows the real price before you confirm anything.

You buy the subscription through the store, not through us, and you cancel it there too.

You can add your first three monthly entries for free. That's enough to enter all your accounts, investments, property and loans, fill in three months, and see how the charts and breakdowns behave with your own numbers. Nothing is time-limited, so there's no countdown while you decide.

Premium is what you need to:

• keep adding monthly entries beyond the first three
• export a full backup, or export your history to CSV

Editing a month you've already filled in is never gated, and importing a backup works on the free plan too, so moving to a new phone doesn't require a subscription first.

Only briefly, when you open the app. Fyrgo does a quick connectivity check on the splash screen so we can pull down any critical announcements (a required update, a security notice) and confirm your subscription status.

Once past the splash everything works offline.

Automatic bank connections require a third-party service that sits between your bank and the app, holds your credentials, and processes your transactions on their servers. That's exactly the setup Fyrgo is built to avoid. Manual entry once a month is the trade-off for keeping your financial data entirely on your device.

Nothing breaks. The month you skipped just doesn't appear in the schedule; the next month you fill in continues where you left off. You can also always go back and fill in a past month later. Tap it on the dashboard and enter the values you had at the end of that month.

Yes. The monthly entry follows the order you set on each type's list screen: Bank, Investments, Real estate and Finance. On any of those screens, grab the drag handle on the left of a card and drag it up or down. The new order applies immediately, including on the monthly entry form the next time you open it.

Handy if you want your main account at the top for faster entry, or if you'd rather fill in your most volatile investment first while the number is still fresh in your head.

The start date is optional and controls from which month an account or investment starts appearing in your monthly entries. Leave it empty and the item shows up in every month; set a date and it only shows up from that month onward.

This is useful when you're adding something you didn't own from day one. For example, if you've been tracking your net worth in Fyrgo since January and you open a new savings account in June, set the account's start date to June, and earlier months stay untouched and you won't be asked to fill in a value for months where the account didn't exist yet.

On the account, tap Set inactive and pick the month from which it should stop counting. Every balance you already entered stays in place, and your historical net-worth chart doesn't change, but from the chosen month onward the account no longer appears in your monthly entry form and doesn't feed into your totals.

Inactive accounts live under the Inactive tab on the Bank screen. You can review them later or reactivate one if it turns out you need to keep going.

Open the investment and tap Set inactive, then choose the month from which it should stop counting. Historical values stay in place, but from that month onward the investment no longer appears in your monthly entries and no longer contributes to your totals.

Use this when you liquidate an investment or move it to a different platform. The past stays visible, and going forward it's out of the way. Inactive investments live under the Inactive tab on the Investments screen; you can reactivate one if needed.

If you sold, record that first. Setting an investment inactive only hides it; it doesn't record that the money left. So in the month you sold, set the value to 0 and enter the withdrawal, then set it inactive from the month after that. Skip this and the value simply falls away, which counts as a loss in your profit/loss. Fyrgo warns you if you're about to do it, and offers the right month when you're just one month early.

Fyrgo only knows what you enter. By default the first month you fill in for a portfolio is a starting point: its value counts neither as profit/loss nor as a deposit, because both happened before you started using the app. Safe, but it leaves out the profit or loss you made earlier and the money you put in earlier.

The most accurate way is to fill in the earlier months too. Enter the value, and any deposits or withdrawals, for each month going back as far as you have numbers. Every month that has a month before it is measured directly, and only the oldest month you enter stays a starting point. Go back to the month you actually bought in, and your entire history is in.

Too much work? Then put the whole history into that first month. Say you bought into a fund earlier and put in €4,000 in total. You start using Fyrgo in March 2026, when it's worth €10,000. In your March 2026 entry, for that portfolio, enter a value of €10,000 (what it's worth now) and a deposit of €4,000 (everything you ever put in), and turn the first month of this portfolio toggle on.

Switching that on tells Fyrgo the portfolio started at €0 and got here, so it reads €10,000 − €4,000 = €6,000 of profit and puts your €4,000 on the record as deposited. Every month after that is measured normally.

Sell it a year later for €12,000 and your figures read: Deposited €4,000, Withdrawn €12,000, Cash in/out -€8,000, Profit/loss +€8,000. Which is exactly what the portfolio did over its life.

Rather keep this year clean? Leave the toggle off. Your €4,000 still counts as deposited, but the €6,000 you made earlier stays out of Profit/loss. That's the trade: with the toggle on, all of that older growth lands in March, so March 2026, and the year as a whole, show a return that was really years in the making.

Do nothing and you get the default: only what happens from your first entry onward counts. That's fine too, but after a full sale it makes Cash in/out look lopsided, with money coming out that the app never saw going in.

On the property, add a valuation with a date and the estimated value at that date. Fyrgo uses the most recent valuation for each month, so from the valuation date onward that value is used for your equity calculations until you add a newer one. Before your first valuation, the initial value you entered when creating the property is used.

You can add as many valuations as you like: a fresh one every year after your bank's estimate, an interim one after a renovation, an ad-hoc one when the market moves. Older valuations stay in place, so your historical equity curve reflects what you knew at the time.

If you never add a valuation, the property just uses its initial value for every month. That's fine if you don't care about tracking market movements.

Open the property and tap Sell property. Enter the sale date, the amount you sold it for, and (if you had loans linked to the property) pick which of those loans to mark as paid off at the same time. Any loan you leave unchecked stays active (you can always mark it paid off later from the Finance tab).

From the sale month onward the property, and the loans you ticked, no longer appear in your monthly entries or contribute to your totals. The historical months stay untouched, and the property moves to the Sold tab on the Real estate screen where you can still see its old valuations.

Open the loan and scroll to Linked property. Tap it, pick a different property from the list (or None to unlink entirely), then save the loan. The loan's schedule and history are preserved. Only which property it's tied to changes.

This is especially handy when you sold your old home but the loan carries over to your new one: during the sale flow, make sure to leave the loan unchecked under "Mark loans as paid off" so it stays active, and then relink it here to the new property. Also useful when you refinance a loan onto a different property, or when you initially created the loan under the wrong one.

Open the loan and tap Mark as paid off, then pick the month from which it should be considered settled. From that month onward the loan no longer appears in your monthly entries and stops feeding into your debt totals. The schedule you already have stays intact for reference.

Paid off loans live under the Paid off tab on the Finance screen.

The app rounds the periodic interest rate to 6 decimal places, while your bank may use a different precision. This can result in ±1 cent of interest difference on some months.

Over the full loan term, this can accumulate to a small difference, typically a few cents, but for loans with rate changes it can be a few euros. If your bank's exact periodic rate is known, you can enter it in the periodic rate field on the loan form to reduce this difference.

The actual schedule uses your recorded values from the monthly input screen for filled-in months, so it matches your bank's data. This is why the actual schedule is shown by default.

Interest only accrues on the days you actually have the borrowed money. When the disbursement date and the first payment date are not exactly one payment period apart, the interest portion of the first payment is different: higher when the gap is longer than a normal period, lower when it's shorter.

For an annuity loan the total payment stays the same but the split between capital and interest is adjusted for the first payment. For a linear loan the capital portion stays fixed and the total payment varies.

The app computes this automatically from the disbursement date and the first payment date you enter on the loan form.

Extra payments go entirely towards capital repayment, reducing your outstanding debt. This means less interest is charged in subsequent months.

You can choose the effect:

• Shorter duration: the monthly payment stays the same and the loan ends earlier.
• Lower payment: the monthly payment is recalculated based on the remaining debt, keeping the original end date.

You can see the effect in the amortization schedule by selecting a view that includes extra payments.

Fyrgo's data lives on your device only, so moving to a new phone means moving the file:

1. On your old phone, open Settings → Export data. Save the .fyrgo file somewhere you can reach from the new phone: cloud storage (Google Drive, iCloud, Dropbox), email to yourself, whatever fits. The file is encrypted, so it's safe to store anywhere.
2. Install Fyrgo on the new phone and complete the welcome screen.
3. Open Settings → Import data and pick the .fyrgo file.

Accounts, investments, real estate, loans and monthly entries all come across. Your subscription carries over too, even between iOS and Android. You don't need to tap "Restore purchases".

Yes. Open Settings → Export data and tick CSV spreadsheet before confirming. You get a spreadsheet with one row per month: every bank account, the value of each investment and property, what you paid on each loan, and the totals for cash, investments, real estate, debt and net worth. These are the same numbers the app shows you.

The separator and decimal notation follow your language setting, so the file opens correctly in a spreadsheet without an import wizard. Amounts are written as plain numbers with the currency in the column headers, so you can calculate with them straight away.

Two things worth knowing:

• A CSV cannot be imported back into Fyrgo. It's for reading and archiving, not for restoring. The .fyrgo backup is the file that goes back in, and it's always included in the export.
• When you tick CSV, both files are saved together in one .zip. To import the backup later, take the .fyrgo file out of the zip first.

Exporting is a Premium feature.

Deleting the app wipes all your local data: accounts, entries, loans, everything. There is no cloud backup, because Fyrgo doesn't have any servers. This is why we strongly recommend making an export from Settings → Export data and storing it somewhere off-device (cloud storage, email to yourself). With an export you can restore your full history on any device.

There are two ways to reattach a subscription, depending on where you're coming from:

• Same platform, same store account (e.g. reinstalling Fyrgo on your iPhone, or getting a new iPhone signed in with the same Apple ID): open Settings → Subscription → Restore purchases. Fyrgo asks Apple or Google whether your account owns a subscription and reattaches it. No data comes back. For that you'd need an export.
• Different platform, or you also want your data back: use Settings → Import data with your .fyrgo backup. The file carries both your data and your subscription link, so importing on an Android phone will restore a subscription originally bought on iOS (and vice versa) without having to buy again.

If neither works and you're sure you had an active subscription, contact us with your Support ID (Settings → Support ID) so we can look it up on our side.

Cancellation happens through your app store, not through Fyrgo (Apple and Google don't allow apps to cancel subscriptions directly). On iOS: Settings → your name → Subscriptions. On Android: Play Store → your profile picture → Payments & subscriptions → Subscriptions. The app also provides a button to manage your subscription, which will take you there directly. You keep premium features until the end of your current billing period.