The Spending Tracking App and Platform

Our app eliminates budgeting and all those annoying line items. You can see how you’re doing before the end of the month so you can reduce spending before it’s too late.

Track your spending on the mobile app and online platform we developed to make sure you stay on your plan.

You track only your Flexible Spending and Groceries on a monthly basis and your large annual expenses like vacations and summer camp. Track only the expenses that can change each month (“Take-Out” – we’re talking to you!). No entering data or tracking line items. Simply watch your progress bar through the month and make sure you are on target. No more budgets!!

Using the app

When you’re ready to start using your mobile tracking app make sure you’ve completed the eight tasks shown here.

Download the app from your app store (search Fearless Finance).

Sign in with the same username and password for fearlessfinance.com. If you’ve already met with a planner, your targets will be preloaded.

If you didn’t start at fearlessfinance.com and meet with a planner, then make a username and password and set your targets.

Set just Flex Dollars Misc., Groceries, and Annual Needs to start. If you want to track a specific category you can add your target amount here, too.

If you want to track another category, click the “+” button at bottom right on your home screen and toggle the button for the category you want to track

If you want Fearless Finance to auto-categorize your transactions (recommended), go to the three horizontal lines on the upper left >>Financial Accounts>>Link New Account button.

You will be brought to our bank security software, Plaid, and they will interact with your bank. Click “continue” and find your bank. Go through the screens to connect.

Only connect your checking and credit card accounts. No need to connect savings, investments or loans.

Things to know about
using the app

Our app tracks the areas where you tend to overspend. The blue bar tracks Full Discretionary spending. Basically it’s all the fun stuff (here’s a list) and the green bar tracks Groceries. Make sure you finish the month at the end of your bar (or less), to stay on your plan.
What does the progress bar do? Fearless Finance uses a progress bar to show you visually (with exact numbers below the bar) how much you’ve spent in that category in the current calendar month.
How do I delete or edit a transaction? Click the down arrow under the progress bar to find the transaction you want to delete or edit. Click the “dollar” icon on the left and click the radio button of the correct category. Click save.
What if I return a purchase? If you return a purchase, your checking account or credit card will be credited with the amount of the return. Once the return credit hits your checking account or credit card, Fearless Finance will see you have a credit and reduce your progress bar by that amount.
Can I download my transactions? Yes, you have to download them from the online platform (not the app). Go back to your dashboard and click Expense Tracking >> Transactions.

Online intake can
reduce the time you need in meetings with your planner

We provide a link to our platform for clients to enter their initial data directly into our system, thus avoiding much of the data intake part of our process. Online Intake is different from the App and is only available in your web browser for new clients. It’s for tech savvy clients with relatively simple finances like young adults right out of college or grad school or newlyweds. Online intake can save you 30-60 minutes from your initial meetings (typically 2-4 hours of virtual meetings spread over 2-3 meetings).

Frequently asked questions

Use your app to track your spending and stay on plan easily. No budgets and spreadsheets.

Does the app work for iOS and Android?

Yes.

Do I have to use the app if I’m a planning client of the firm’s?

No. The app is there to help you implement your plan if that works for you.

Can I check your privacy and security terms?

Yes, our privacy and security terms are here. We use Plaid as our bank authentication app and their privacy and security terms are here

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with you!

Simply fill out some basic information and one of our advisors will reach out to schedule a consultation.