FinX User Guide
Everything you need to manage your investments, track your finances, and understand your money — all in one place. This guide walks you through every feature from first login to advanced security settings.
What FinX gives you
FinX brings together every part of your financial picture in one dashboard. Here's what's available:
Create Your Account
Creating an account takes under a minute. Go to register.html and complete the form.
Use an email you have regular access to — it's used for password resets and optional bill reminders.
Minimum 8 characters. Your password is stored using bcrypt hashing — it is never saved in plaintext.
Check "Enable AI-powered insights" if you want to use Budget Insights and Tax Advice features. These features send your anonymised financial summaries to Claude AI to generate personalised advice. You can change this in Settings at any time.
If you leave this unchecked, you can still use all other features. AI features will show a prompt to enable consent when you visit them.
Click Create account. You'll be redirected to the login page on success.
Sign In
Go to login.html and enter your email and password. On success, a secure session cookie is set and you land on the dashboard.
Stay signed in
Tick "Stay signed in" on the login screen to keep your session active for 30 days. Works with or without 2FA — use it only on personal devices you trust.
Account lockout
After several failed login attempts your account is temporarily locked to protect against brute-force attacks. Wait a few minutes, then try again. If you've forgotten your password, use the Forgot password? link on the login page instead.
If you have 2FA enabled
After entering your password, you'll be redirected to a second screen asking for your 6-digit authenticator code. See for full details.
Forgot your password?
Use the Forgot password? link directly under the sign-in form on the login page. We'll email you a secure reset link.
Enter your registered email address and click Send reset link. For privacy reasons we always show the same confirmation message — even if the email isn't on file — so attackers can't probe for valid accounts.
You'll receive a reset link from FinX@stackinnovations.co.nz, valid for 1 hour. Click it to open the reset form. We also send a separate security alert email so you can see straight away if someone else requested the reset.
Enter and confirm your new password. You'll be returned to the login page once complete.
Each reset link is single-use. If you need to cancel a reset you've requested, open the link from your email and click Cancel reset.
Upgrade Your Plan
FinX has three tiers. Start free and upgrade when you need more.
| Feature | Free | Starter $10/mo | Pro $20/mo |
|---|---|---|---|
| Stock holdings | Up to 3 | Up to 15 | Unlimited |
| Stock analysis | 2/day | 10/day | Unlimited |
| AI insights | 3/day | 20/day | Unlimited |
| Watchlist | 10 tickers | 50 tickers | Unlimited |
| Price alerts | — | Up to 10 | Unlimited |
| Property portfolio | — | 1 property | Unlimited |
| Reports & exports | — | ✓ | ✓ |
| Retirement accounts | — | — | ✓ |
| Retirement planning | — | — | ✓ |
| IBKR Connect | — | — | ✓ |
| Tax Advanced Estimator | — | — | ✓ |
Go to finance-app.html. Features beyond your current tier show an upgrade prompt when accessed.
You'll be taken to Stripe's secure checkout. FinX never stores your card details.
Once payment is confirmed, your new tier activates immediately — no page reload needed.
Go to Settings → Billing → Manage subscription to switch plans, update your card, view invoices, or cancel. Cancellations take effect at the end of the billing period.
Dashboard Tour
The dashboard is your home base. It aggregates everything into a single view the moment you log in.
Summary tiles
- Net Worth — sum of all stocks, properties, retirement accounts minus tracked debts.
- Portfolio Value — live market value of your stock holdings.
- Today's P&L — dollar change in your portfolio since yesterday's close.
- Monthly Spend — total of recurring expenses due this month.
- Upcoming Bills — your 5 most expensive or nearest-due bills.
- Asset Allocation — doughnut chart breaking down stocks, property, and retirement.
Net worth history
Click Save Snapshot on the dashboard to record today's net worth (assets minus liabilities). Each snapshot is stamped with the date and stored on your account. Snapshots feed the net-worth history chart and the trend line on the dashboard, so you can see your progress over time. Take one weekly or monthly — the chart smooths automatically. You can change the visible range (3M / 1Y / All) using the toggle on the chart, and the same data is exported in Settings → Export your data.
Stock Portfolio Free
Track equity holdings across any exchange with live price data. Includes NZX, ASX, NYSE, NASDAQ, LSE, HKEX, TSE, and most other major global markets.
International stocks
Add the right exchange suffix so FinX knows which market to look the ticker up on:
- NZX —
.NZ(e.g.AIR.NZ) · ASX —.AX(e.g.BHP.AX) - London (LSE) —
.L· Hong Kong —.HK· Tokyo —.T - US (NYSE / NASDAQ) — no suffix (e.g.
AAPL,NVDA)
The same suffixes apply to the watchlist, price alerts, and Stock Analyzer.
Adding a holding
Use the correct exchange suffix: .NZ for NZX (e.g. AIR.NZ), .AX for ASX (e.g. CBA.AX). US stocks need no suffix (e.g. AAPL).
Use the price you paid per share (your cost basis), not the current price.
Live prices load automatically. Click ↻ Refresh at any time to update all prices.
Understanding the summary tiles
- Portfolio Value — current market value (live price × shares) across all holdings.
- Total Cost Basis — what you originally paid.
- Day P&L — today's dollar and percentage movement.
- Total Return — unrealised gain or loss vs your cost basis.
- Dividends Earned — estimated annual dividend income with a monthly equivalent. Based on Yahoo Finance's reported dividend rate per share × your shareholding.
Dividends
For each holding, FinX displays:
- Annual Dividend — dividend rate per share × shares held.
- Yield on Cost (YOC) — annual dividend ÷ your purchase price. This shows your actual income yield, not the current market yield.
- Forward Yield — current market yield as reported by Yahoo Finance.
Sector allocation chart
A doughnut chart breaks your portfolio down by sector (Technology, Healthcare, Financials, etc.). Use it to spot concentration risk. The Portfolio Intelligence panel below highlights your best and worst performers.
Property Portfolio Starter
Track your investment properties, rental income, and gross yield. Included in your overall net worth calculation.
Click + Add property.
Address or label, purchase price, and weekly rent. FinX calculates gross yield automatically.
(Weekly Rent × 52 ÷ Purchase Price) × 100 — shown as a percentage per property and aggregated across your portfolio.
The portfolio breakdown chart shows each property by value. Weekly and annual rental income is summed and shown on the dashboard.
Retirement Accounts Pro
Manually track KiwiSaver, superannuation, pension funds, or any other retirement balance. These are included in your net worth and asset allocation chart.
Enter a name (e.g. "Fisher Funds KiwiSaver"), the account type (KiwiSaver, Roth IRA, Superannuation, etc.), and the current balance.
Click the edit icon on any account to update the balance when your provider statement arrives.
Retirement Planning Pro
A long-horizon projection: enter your age, current savings, monthly contributions, expected return and inflation rate, and the page projects your nest egg at retirement and tells you whether you're on track to hit your target.
Current age, retirement age, current savings, monthly contribution, expected annual return, expected inflation, and your retirement-income target. Defaults match a typical NZ KiwiSaver balanced fund.
The chart shows your projected balance year-by-year. The header tile tells you the projected balance at retirement age, the real-purchasing-power equivalent (today's dollars), and whether you're on track to hit the target.
Your settings are saved to your account, so you can come back any time and tweak assumptions. Saving a snapshot is automatic — no separate "Save" button.
Portfolio Rebalancing Alerts Starter
Set target allocations for each asset class (stocks, property, retirement, cash). FinX measures the drift between your target and current allocation; if any class drifts past your threshold, an email alert tells you which classes are off-target by how much.
Each asset class is a slider 0–100%. The total doesn't have to be exactly 100% — FinX measures relative drift.
Default is 5%. Any class whose actual allocation differs from target by more than this triggers an alert.
FinX checks daily and emails you only when something has drifted past the threshold (and at most once per 7 days, so it never spams).
The dashboard always shows current vs target whether email alerts are on or off — toggling email controls only the email, not the chart.
Watchlist Free
Monitor tickers you don't own yet. The watchlist loads live quotes for each ticker so you can track price movements without adding them to your portfolio.
Use the same exchange suffixes as the stock portfolio (.NZ, .AX, or none for US).
Current price, day change, and 52-week high/low are shown for each ticker.
Community Watchlist
The Community Watchlist page shows the tickers most commonly watched by all FinX users. Use it to see what other NZ investors are keeping an eye on.
Price Alerts Starter
Set a target price for any ticker. When the live price crosses your target, the alert fires and appears on your dashboard.
Choose Above (alert when price rises above target) or Below (alert when price falls below target).
When triggered, a notification appears on your dashboard. Remove the alert once you've acted on it.
Budget Planner Free
Set monthly budget targets for spending categories and track how your actual spending compares.
Enter a category name (e.g. Groceries, Transport) and your monthly limit in dollars.
Add expenses in the Spending Tracker using the same category names. The budget page shows a progress bar for each category — green when under budget, red when over.
Spending Tracker Free
Log recurring bills and one-off payments. Set due dates to see upcoming bills on your dashboard.
Recurring vs one-off
- Recurring — monthly bills that repeat every month (rent, subscriptions, utilities). These appear every month in your upcoming bills view.
- One-off — single future payments with a specific date (annual insurance premium, car service). These appear once on the due date.
Name, amount, category, due date, and whether it's recurring or one-off.
Bills due within the next 7 days are highlighted. Email reminders are configured separately — see Reminder Schedule and Bill Alerts below.
Bill Alerts
Bill Alerts send you a single email roughly once a week summarising any bills due in the next five days. Useful when you have a lot of recurring expenses and want a single nudge instead of dashboard checking.
- Toggle on in Spending → Bill Alerts.
- The email lists every upcoming bill, the amount, and the due date.
- FinX rate-limits itself to one bill-alert email per account per seven days, so you'll never get spammed.
- Disable any time — your bills are still visible on the dashboard.
Reminder Schedule
Reminder Schedule is a recurring summary of all your tracked spending. Choose how often you want it (daily, weekly, fortnightly, or monthly) and on which day of the week / month. Different from Bill Alerts in two ways:
- Bill Alerts only fire when something is actually due soon. Reminder Schedule fires on a fixed cadence regardless.
- Reminder Schedule includes the full spending breakdown (recurring + one-off totals, top categories), not just upcoming bills.
Configure in Spending → Reminder Schedule. Set frequency to "None" to turn it off completely.
Debt Tracker Free
Track loans, credit cards, and other debts. Outstanding debt is subtracted from your net worth calculation.
Enter a label (e.g. "Mortgage", "Student Loan"), the outstanding balance, interest rate, and minimum monthly payment.
Click the edit icon on any debt to update the outstanding balance. The net worth tile on the dashboard updates automatically.
Savings Goals Free
Set savings targets with a name, target amount, and optional deadline. Track progress toward each goal.
Example: "House deposit — $80,000 target, $32,400 saved".
Click edit on the goal to increase the current amount. A progress bar shows you how close you are.
Tax Calculator Free
Six tax calculators for different situations. Enter your income or figures and the calculator works out your liability. You can save calculations to a history log.
Calculates NZ individual income tax and ACC levy. Enter your annual gross income to see your tax bands, effective rate, and take-home pay. Enter student loan to see repayment deductions.
Calculates corporate tax at the NZ company rate of 28%. Enter net profit before tax to see the tax liability and after-tax profit.
Calculates trust tax at the NZ trustee rate. Enter the trust's net income to see the liability. Beneficiary income is calculated separately at the individual's marginal rate.
Calculates GST at 15%. Enter an amount to see the GST component and GST-inclusive/exclusive figures. Useful for invoicing and reconciliation.
Calculates tax on Portfolio Investment Entity (PIE) income. Enter your PIR (Prescribed Investor Rate) and PIE income to see the tax. Your PIR is 10.5%, 17.5%, or 28% depending on your taxable income in prior years.
Calculates provisional tax instalments. Enter last year's residual income tax to see your standard method instalments for the current year. The standard method adds 5% to prior year RIT, split across three instalment dates.
Saving calculations
After running a calculation, click Save to history. Saved calculations appear in the History panel below the calculator with the date and inputs recorded. Delete individual entries using the bin icon.
Reports Starter
One-click PDF and Excel exports of any section of your data — useful for sending to an accountant, a bank, a financial adviser, or just keeping a quarterly snapshot for your own records.
Stock holdings, property portfolio, retirement accounts, expenses, debts, savings goals, tax history, or a complete financial summary.
PDF is print-formatted with your name and the date. Excel is plain rows for re-analysis in your own spreadsheet.
Stock Analysis Free
Enter any ticker to get a composite AI-driven verdict combining fundamental analysis, technical indicators, analyst consensus, and valuation. The result tells you whether the stock is in a buy, hold, sell, or trim zone at its current price.
e.g. AAPL, NVDA, AIR.NZ. Press Enter.
A confidence score (0–100%) and a verdict badge — BUY, HOLD, TRIM, or SELL — is displayed with component scores for Fundamentals, Analyst, Valuation, and Technical.
Use the mode buttons at the top of the analysis panel. Fundamental shows earnings, P/E ratio, revenue growth, and analyst targets. Technical shows RSI, moving averages, support/resistance levels, and price zone analysis.
Price zones explained
- Buy Zone — price range where the model suggests accumulating the stock.
- Hold Zone — fair value range; neither adding nor selling is optimal.
- Trim Zone — above fair value; consider taking partial profits.
- Sell Zone — significantly overvalued by the model's metrics.
What you'll see on the page
- Live price & previous close with the day's change in dollars and percent.
- Fundamentals — P/E, market cap, P/B, dividend yield, ROE, margins, debt-to-equity, and more.
- Analyst price targets — consensus high, low, and median plus the recommendation trend (buy/hold/sell counts).
- Earnings — historical EPS by quarter and analyst EPS forecasts for the next periods.
- Technicals — RSI, MACD signal, and short / medium / long simple moving averages (SMA).
- Dividend history — every recorded payment with date and amount per share.
- News — latest headlines tied to the ticker, with publisher and timestamp.
DCF and P/E calculators
Two built-in valuation calculators sit on the analyzer page: DCF (discounted cash flow) and P/E target (fair price from earnings forecasts × a target multiple).
On mobile, fill in the inputs and tap the explicit Calculate button. Results open in a modal showing three side-by-side scenarios — Bear, Base, and Bull — so you can see the range, not just a single number. Tap any scenario's price to set a price alert at that target without leaving the screen.
AI Chat
Use the chat interface on the right side of the Stock Analysis page to ask questions about the ticker. Type a question like "What are the key risks for this stock?" and the AI responds with context-aware analysis based on the data it has loaded.
AI Insights Free
Two AI-powered tools that analyse your personal financial data and provide tailored recommendations. Both require AI consent to be enabled on your account.
Budget Insights
Analyses your spending categories, budget targets, and month-over-month patterns. Identifies where you're consistently over-budget, flags unusual spikes, and suggests specific areas to cut.
To use: go to AI Insights → Budget Insights and click Generate insights. Results take 5–10 seconds to generate.
Tax Advice
Takes your income figures and investment profile to provide personalised NZ tax tips — KiwiSaver contributions, PIE optimisation, deductible expenses, and provisional tax planning.
To use: go to AI Insights → Tax Advice, ensure your tax calculator has recent figures saved, and click Get advice.
Savings Insights
Pulls together your savings goals (target amount, target date, current balance, monthly contribution) with your last 90 days of spending and your budget surplus, then writes a few short paragraphs telling you whether you're on track for each goal, which spending categories could realistically be cut, and a practical tip you can act on.
To use: go to Savings Goals and click Generate insight at the top of the page. You need at least one savings goal saved for it to have something to analyse.
Stock Insights
On the Stock Analysis page, after running a stock through the analyzer, click AI Insights to get a CFA-style write-up of the stock for an NZ retail investor — covering valuation, growth, and risk angles. Free accounts get a single insight per stock; Starter and Pro get a fuller four-angle breakdown.
Enabling AI consent
Read the data use disclosure before confirming.
Set Up Two-Factor Authentication
Two-factor authentication (2FA) adds a second layer of security to your account. Even if someone gets your password, they can't log in without your authenticator app.
FinX uses TOTP (Time-based One-Time Password) — the same standard used by Google, Microsoft, and GitHub. You'll need an authenticator app:
- Google Authenticator (iOS / Android)
- Microsoft Authenticator (iOS / Android)
- Authy (iOS / Android / Desktop)
- 1Password, Bitwarden, or any TOTP-compatible app
Enable 2FA step by step
Click Enable 2FA.
Open your authenticator app and scan the QR code. If your app doesn't have a scanner, tap the Copy button next to the 32-character setup key and paste it into your app's "Enter key manually" screen.
On mobile? Tap the Add to authenticator app button right under the QR code — it opens your installed authenticator (Google Authenticator, Authy, 1Password, etc.) directly with FinX already filled in. No need to scan a QR code on the same device you're setting up from.
Issuer: FinX
Your app generates a new code every 30 seconds. Type the current code into the verification box and click Verify & Enable.
After verification, 8 single-use backup codes are displayed. Copy them, screenshot them, or store them in a password manager. You'll need one if you ever lose access to your authenticator app.
Each backup code can only be used once. When all codes are used or if you suspect they're compromised, regenerate them from Settings → Security.
Every login will now require both your password and a 6-digit code from your authenticator app.
Disable 2FA
Only do this if you're switching authenticator apps and have a backup method ready. You'll need your current password and a valid TOTP code to confirm.
Enter your current password and the 6-digit code from your authenticator app, then confirm. 2FA is removed immediately.
Login with 2FA
When 2FA is active, login is a two-step process.
Click Sign in.
Open your authenticator app and find the FinX entry. Enter the current 6-digit code.
Tick "Remember this device" before clicking Verify. The 2FA challenge will be skipped on this device for a full 30 days. Only use this on personal devices you own — and you can always revoke a single device later from Settings → Security → Trusted Devices.
You're logged in and redirected to the dashboard.
If you don't have your authenticator app
On the 2FA challenge screen, click Use backup code. Enter one of your 8-character backup codes in the format XXXX-XXXX. Each code is single-use — it's crossed off once used.
Backup Codes
Backup codes are your emergency access method when you can't reach your authenticator app — phone lost, app deleted, new device.
Where to store them
- In a password manager (1Password, Bitwarden, Dashlane)
- In a secure note app (encrypted)
- Printed and stored physically in a safe place
Do not store them in a plain text file, in the same place as your password, or in an unsecured cloud document.
Regenerating backup codes
If you've used all 8 codes, think they may have been seen by someone else, or just want a fresh set:
Enter your current TOTP code to confirm.
Your old codes are invalidated the moment new ones are generated.
Trusted Devices
When you tick "Remember this device" on the 2FA challenge screen, that device stays signed in for a full 30 days before it has to enter a 6-digit code again. You can view every trusted device and revoke them individually any time.
A list shows each trusted device with its browser/OS, IP address, location, and when the trust expires.
Click Revoke next to the device. That device will need to complete the 2FA challenge on its next login.
Click Revoke all trusted devices to force a 2FA challenge on every device at next login. Do this if you suspect your account has been accessed by someone else.
Login Activity
View a log of all recent login attempts on your account — including the time, IP address, approximate location, and whether the attempt succeeded.
Go to Settings → Security → Login Activity. If you see a login you don't recognise:
- Change your password immediately (Settings → Security → Change Password).
- Revoke all trusted devices.
- Check that your email account hasn't also been compromised.
- Enable 2FA if it isn't already active.
Change Password
You can change your password at any time from inside the app. You do not need to be logged out first.
Click Update password. Your session remains active. Other devices will need to log in again with the new password.
Settings
Access Settings by clicking the gear icon at the bottom of the sidebar. Settings are organised into sections:
Push Notifications New
FinX can send notifications straight to your phone or computer — even when the app isn't open. Use them to catch bill due dates, price alerts, and security events the moment they happen.
What you'll get
- Bill reminders — a nudge when a tracked bill is coming due.
- Price alerts — when a stock crosses a target price you've set.
- Security events — sign-ins from new devices, password changes, and other account-safety notices.
Turn them on
- Open Settings → Push Notifications.
- Click Enable push notifications. Your browser asks for permission — click Allow.
- Tap Send test notification. A test alert should arrive within a few seconds.
Which devices are supported
- Chrome on desktop (Windows, macOS, Linux) and Android — works out of the box.
- Edge, Firefox, Brave, Opera on desktop — works out of the box.
- Safari on macOS — supported.
- Safari on iOS / iPadOS 16.4 or later — works only when FinX is installed as a Home Screen app. See below.
Turn them off
Open Settings → Push Notifications and click Disable on this device. You can also revoke permission from your browser's site settings — FinX will respect that immediately.
Mobile & PWA
FinX is a web app that you can install on your phone or computer like a normal app — no app store, no download, just a tap. The mobile experience has been polished end-to-end so it feels native.
Install on your Home Screen
Once installed, FinX gets its own icon, opens full-screen without the browser's address bar, and unlocks push notifications on iOS.
- iPhone / iPad (Safari) — tap the Share icon (the square with an up-arrow), scroll down, then tap Add to Home Screen. Confirm.
- Android (Chrome) — tap the menu (three dots) and choose Install app, or accept the install banner that appears at the bottom of the screen.
- Desktop (Chrome, Edge, Brave) — click the install icon at the right of the address bar, or use the menu → Install FinX.
Auto-updates
When we ship a new version of FinX, the installed app picks it up in the background. You'll see a small Update available banner the next time you open it — tap Reload to switch to the new version. There's nothing to download manually.
What feels different on mobile
- Snappy transitions — moving between sections takes around 180 ms, close to instant.
- Tap haptics on Android — important actions give a small buzz so you know the tap registered.
- Skeleton loaders on Dashboard, Stocks, Spending, and Net Worth so the page paints immediately.
- Bigger tap targets and safe-area aware layouts that stay clear of notches and home indicators.
Email Notifications
FinX sends a small number of emails to keep you informed. All emails come from FinX@stackinnovations.co.nz — add that address to your contacts so they don't land in spam.
- Registration confirmation — a welcome email when you first create your account.
- Password reset link — sent when you click Forgot password?. Valid for 1 hour, single-use.
- Security alert — sent alongside any password reset request, so you can spot a reset you didn't ask for.
- Bill alerts — optional weekly summary of upcoming bills. Toggle in Spending → Bill Alerts.
- Spending reminder — optional recurring summary of your tracked spending. Configure in Spending → Reminder Schedule.
- Rebalancing alert — sent only when an asset class drifts past your threshold. Toggle in Dashboard → Rebalancing.
To stop the optional emails, turn off bill alerts, the reminder schedule, and rebalancing alerts — you'll then only get the essentials (registration, password resets, security alerts).
Export Your Data
You can download everything FinX holds about you as a single JSON file.
A .json file containing all your portfolio holdings, properties, accounts, expenses, budgets, debts, savings goals, and tax history is downloaded to your browser's downloads folder.
The export does not include your password hash or session tokens. It contains only your financial data.
Delete Your Account
Deleting your account permanently removes all your data from FinX's servers. This action cannot be undone.
See above.
Click Permanently delete account. Your account, all data, and your active subscription are cancelled immediately.
If you have an active Stripe subscription, cancellation is handled automatically — you will not be charged again.
Frequently Asked Questions
.NZ and ASX tickers end in .AX.
CSV: Export a transaction history CSV from your bank's internet banking. Column names are auto-detected — Date, Description, and Amount columns are all that's needed.
PDF: Upload your bank statement PDF directly. FinX currently recognises ANZ Visa / Airpoints and Westpac statement formats and extracts transactions automatically.
A preview table appears before anything is saved. Tick the rows you want to keep, adjust categories if needed, then click Import Selected. Transactions are saved as one-off expenses with the transaction date in the Date field. The file itself is never uploaded to our servers — it is read entirely in your browser.
Import Bank Transactions (top of the Spending page) — reads a raw bank CSV or PDF statement and converts each transaction into an expense automatically. Use this to bring in your actual spending history.
↑ Import (All Expenses section header) — bulk-creates expenses from an Excel or CSV file that follows the FinX template. Download the template with the ⬇ Template button next to it. The template has columns for Expense Name, Amount, Type, Category, and Due Date. Use this to migrate a spreadsheet of recurring bills into the app in one go.
If you only want to remove specific transactions rather than everything, use the Remove button on individual rows in the All Expenses table.