Financial SovereigntyDouble-entry simplicity
Derive balances, plan budgets, and trace transactions without manual accounting headaches.
Double-entry simplicity
Derived Balances: The Double-Entry Truth
Traditional financial spreadsheets require you to adjust final balances manually. Tocan functions as a modern ledger: your balances are 100% derived from the sum of the starting balance and confirmed transactions. If the numbers don't add up, a transaction is missing. This ensures total consistency and integrity for your financial health.
- Multiple account types in one view
- Balance derived from initial balance + confirmed transactions
- Transfer tracking as linked transaction pairs
- No duplicate cash flow on transfers
Credit Card Invoice Cycles
In Tocan, credit card purchases affect the corresponding invoice and available limit, but not the immediate balance of your bank accounts. Actual cash flow is only affected on the payment date, when a transfer transaction settles the card balance. Gain total clarity on how much you will need to pay upon invoice expiration.
- Automatic invoice cycle generation
- Purchases affect invoice, not account balance
- Invoice payment converts to account transaction
- Closing day and due date configuration
Multi-Currency Exchange Rate (FX) Audit
Each international transaction in Tocan stores the converted value in your primary currency, the original amount, the original currency, and the foreign exchange (FX) rate on the exact purchase date. For international installment purchases, the purchase date exchange rate is locked for the entire installment series, preventing variations and ensuring flawless financial auditing.
- Original amount + original currency stored
- FX rate locked at purchase date
- International installments use purchase-date FX
- Full audit trail for compliance
90-Day Cash Flow Forecast
Visualize your balance trajectory for the next 90 days. Tocan's engine analyzes your recurring expenses (subscriptions, rent, installments) and projects accounts payable, allowing you to identify cash bottlenecks before they happen. Track planned vs. actual budget in real time.
- 90-day forward-looking projections
- Recurring transaction detection
- Category-level budget vs actual
- Visual cash flow timeline
Master your finances in four steps
Create your accounts
Add checking, savings, credit cards, and digital wallets. Set initial balances and currencies.
Log transactions
Record income, expenses, and transfers. Categorize and split transactions for detailed tracking.
Manage credit cards
Configure closing days and due dates. Track invoice cycles and pay invoices when ready.
Review and forecast
Analyze spending patterns, compare budget vs actual, and project your cash flow forward.
Take control of your finances
Add your first account and start tracking transactions in under 2 minutes.
Finance management for every scenario
Freelancer multi-currency
Track invoices in USD, EUR, and BRL with locked FX rates and proper audit trails for each client.
Household budgeting
Manage shared accounts, individual credit cards, and category budgets for the entire family.
Credit card optimization
Track multiple cards with different closing cycles, identify spending patterns, and plan invoice payments.
Common questions about the Finance module
Ready for financial clarity?
Stop guessing your balances. Let Tocan derive everything from your actual transactions.
Free forever · No credit card · LGPD compliant