# FinBoard

> FinBoard is a web-based personal finance dashboard that brings bank accounts, transactions, budgets and a multi-currency investment portfolio — including crypto — into one place. Bank accounts connect over Open Banking (GoCardless) with read-only access, and the free plan needs no credit card.

FinBoard is built and operated by FinBoard (finboard.me). It is a product, not a bank, broker or advisor: it reads and organises financial data, and never moves money. This file was generated on 2026-08-24.

## At a glance

- Category: personal finance dashboard / net worth and portfolio tracker
- Platform: web application, responsive on mobile browsers
- Languages: English, Spanish
- Bank connections: Open Banking via GoCardless Bank Account Data (European banks), read-only
- Asset coverage: bank accounts, cash, stocks and funds, cryptocurrency (including Kraken imports)
- Free plan: yes, no credit card required
- Data hosting: Supabase Postgres, EU region (eu-central-1), row-level security per user
- Awards: SantanderX Entrepreneurial Project Award (September 2025); Castellón City Council and Universitat Jaume I Entrepreneurial Project Award (December 2025)

## What FinBoard does

- Aggregates balances across every bank account in one net-worth view
- Imports and categorises transactions from connected banks or from CSV files
- Tracks budgets per category with progress through the month
- Tracks an investment portfolio across currencies and asset classes, including crypto
- Calculates open positions and unrealised P&L using FIFO cost basis
- Tracks dividends per holding with a dividend calendar
- Converts multi-currency balances with live FX rates into one base currency
- Sends automated daily, weekly or monthly financial reports by email
- Shows a widget-based dashboard covering net worth, budgets and portfolio

## What FinBoard does not do

- It does not make payments or transfers — Open Banking access is read-only
- It is not a bank, a broker or a crypto exchange
- It gives no investment, tax or financial advice
- It does not file or calculate taxes
- It has no native iOS or Android app; it runs in the browser

## Pricing and plan limits

### Free — €0/month (free forever)

Basic features for personal use

- Accounts: 5
- Transactions stored: 1,000
- Categories: 20
- Open Banking connections: 2

### Basic — €4.99/month

Intermediate features for growing users

- Accounts: 20
- Transactions stored: 10,000
- Categories: 100
- Open Banking connections: 5

### Pro — €14.99/month

Advanced features for power users

- Accounts: unlimited
- Transactions stored: unlimited
- Categories: unlimited
- Open Banking connections: unlimited

### Enterprise — custom pricing

Custom plan for teams and businesses

- Accounts: unlimited
- Transactions stored: unlimited
- Categories: unlimited
- Open Banking connections: unlimited

## Feature availability by plan

- Bank sync (Open Banking) — Free: no | Basic: manual | Pro: manual | Enterprise: manual
- Multi-currency tracking — Free: no | Basic: yes | Pro: yes | Enterprise: yes
- Crypto wallets — Free: no | Basic: yes | Pro: yes | Enterprise: yes
- Dividend tracking — Free: no | Basic: yes | Pro: yes | Enterprise: yes
- FIFO cost-basis positions — Free: no | Basic: yes | Pro: yes | Enterprise: yes
- Budget tracking — Free: no | Basic: yes | Pro: yes | Enterprise: yes
- CSV import (transactions) — Free: yes | Basic: yes | Pro: yes | Enterprise: yes
- CSV import (accounts, trades, Actual Budget) — Free: no | Basic: yes | Pro: yes | Enterprise: yes
- Email reports — Free: monthly | Basic: daily/weekly/monthly | Pro: daily/weekly/monthly | Enterprise: daily/weekly/monthly
- Team collaboration — Free: no | Basic: no | Pro: no | Enterprise: yes
- Priority support — Free: no | Basic: yes | Pro: yes | Enterprise: yes

## Frequently asked questions

### What is FinBoard?

FinBoard is a web-based personal finance dashboard. It brings bank accounts, transactions, budgets and a multi-currency investment portfolio (including crypto) into a single view, so you can see net worth, spending and portfolio performance in one place instead of across several apps and spreadsheets.

### Is FinBoard free?

Yes. The Free plan costs €0/month (free forever) and needs no credit card. It includes 5 accounts, 1,000 stored transactions, 20 categories and 2 Open Banking connections, plus CSV transaction import and a monthly email report.

### How much does FinBoard cost?

Free €0/month (free forever); Basic €4.99/month; Pro €14.99/month; Enterprise custom pricing. Prices are per user, billed monthly.

### Can FinBoard connect to my bank?

Yes, through Open Banking using GoCardless Bank Account Data, which covers banks across Europe. You authenticate on your own bank's website — FinBoard never sees or stores your banking credentials, and the connection is read-only: it can read balances and transactions but cannot move money. Transaction sync is available from the Basic plan and is refreshed on demand; on the Free plan you bring data in through CSV import.

### Does FinBoard track crypto?

Yes. You can track cryptocurrency wallets and exchange holdings (including Kraken imports) alongside stocks and funds in the same portfolio, valued in your base currency. Crypto wallets are available from the Basic plan.

### Does FinBoard handle multiple currencies?

Yes. Accounts and holdings can be held in different currencies and are converted with live FX rates into a single base currency, so net worth and portfolio value stay comparable. Multi-currency is available from the Basic plan.

### Can I import my existing data?

Yes. Every plan can import transactions from CSV. Paid plans additionally import accounts, categories, payees, trades and Actual Budget exports, so you can migrate an existing setup rather than starting from zero.

### How does FinBoard calculate investment gains?

Open positions and unrealised profit and loss use the FIFO (first in, first out) cost-basis method, and dividends are tracked per holding with a dividend calendar. Both are available from the Basic plan.

### Is my financial data private and secure?

Data is stored in Postgres on Supabase in the EU (eu-central-1) and isolated per user with row-level security, so one account can never read another account's rows. Bank connections use Open Banking read-only consent: credentials are entered on the bank's own site and never reach FinBoard. FinBoard does not sell user data.

### What languages does FinBoard support?

The interface, blog and resource centre are available in English and Spanish.

### Is there a FinBoard mobile app?

FinBoard runs in the browser and is responsive on phones and tablets. There is no separate native app to install today.

### How is FinBoard different from a spreadsheet?

A spreadsheet needs manual entry and breaks as it grows; FinBoard imports transactions automatically over Open Banking, categorises them, tracks budgets against them and revalues a multi-currency portfolio without formulas to maintain. The trade-off is less free-form flexibility than a blank sheet.

### Who is FinBoard for?

Individuals and households who hold several bank accounts, invest across currencies or asset classes (including crypto), and want one dashboard for both day-to-day budgeting and portfolio tracking.

### What can FinBoard not do?

FinBoard does not move money: it cannot make payments or transfers, it is not a bank, a broker or an exchange, and it gives no investment, tax or financial advice. It does not file taxes and it has no native mobile app. Team collaboration is limited to the Enterprise plan, and Pro unlocks unlimited accounts, transactions and connections.

## Product pages (English)

- [Home](https://finboard.me/): What FinBoard is — accounts, budgets, transactions and multi-currency investments in one dashboard.
- [Pricing](https://finboard.me/pricing): All plans, prices and per-plan limits side by side.
- [Changelog](https://finboard.me/version): Every release and the features it shipped.
- [Tutorials](https://finboard.me/tutorials): Step-by-step guides for budgeting, investments and transaction tracking.
- [Sample report](https://finboard.me/report): Example of the automated email financial report.
- [Investors](https://finboard.me/investors): Traction, vision and information for investors.
- [Privacy policy](https://finboard.me/privacy): How FinBoard handles personal and financial data.
- [Terms and conditions](https://finboard.me/terms-and-conditions): Legal terms of use.

## Spanish pages (páginas en español)

- [Blog en español](https://finboard.me/blog/es): Artículos sobre finanzas personales, presupuesto e inversión.
- [Centro de recursos](https://finboard.me/resources/es/): Guías de finanzas personales y de reporting financiero para equipos y asesores.

## Blog — English

- [How Your Stock and Crypto Gains Are Taxed in Spain](https://finboard.me/blog/how-stock-and-crypto-gains-are-taxed-in-spain): Selling stocks, funds, or crypto at a profit has tax consequences that many retail investors discover too late. Here's a clear breakdown of how taxation works in Spain in 2026.
- [Open Banking: What It Is and Why It's Safe to Connect Your Bank Accounts](https://finboard.me/blog/open-banking-what-it-is-and-why-its-safe): Connecting your bank to a finance app can raise understandable doubts. Here's a plain-language explanation of what Open Banking is, who regulates access to your data, and exactly what an app can — and
- [How to Set Up Your Own Limited Company with Spain's PAE Virtual and CIRCE System](https://finboard.me/blog/how-to-set-up-your-own-limited-company-with-spains-pae-virtual-and-circe-system): Today you can incorporate a Spanish Sociedad Limitada (SL) entirely online, without a mandatory business agency and with just €1 in capital, thanks to the CIRCE system and its PAE Virtual platform. He
- [How to Track Your Expenses Without Spreadsheets](https://finboard.me/blog/how-to-track-your-expenses-without-spreadsheets): Many people give up tracking their expenses because they associate it with a tedious spreadsheet. Here's why that's not the only option, and what alternatives exist to manage your money without relyin
- [How to Manage a Multi-Currency Investment Portfolio](https://finboard.me/blog/how-to-manage-a-multi-currency-investment-portfolio): Investing in assets denominated in different currencies adds an extra layer of complexity — and opportunity — to your portfolio. Here's how to organize it, manage currency risk, and avoid the most com
- [Emergency Fund vs. Investing: Which Should You Prioritize First?](https://finboard.me/blog/emergency-fund-vs-investing): One of the most common dilemmas when getting your finances in order is deciding whether to save for emergencies first or start investing right away. Here's how to prioritize based on your actual situa
- [5 Signs Your Small Daily Expenses Are Sabotaging Your Savings](https://finboard.me/blog/5-signs-small-daily-expenses-sabotaging-savings): Small daily expenses seem harmless one at a time, but together they can quietly eat away a huge chunk of your savings potential. Here are 5 signs to help you spot them before they become an expensive 
- [Investing with Little Money: Where to Start in 2026](https://finboard.me/blog/investing-with-little-money-2026): You don't need thousands saved up to start investing. Here's how to take your first steps in 2026 with little capital, what options exist, and which early mistakes to avoid.
- [The 50/30/20 Rule: How to Split Your Income Without Losing Your Mind](https://finboard.me/blog/50-30-20-rule-how-to-split-your-income): The 50/30/20 rule is one of the simplest budgeting methods out there: 50% to needs, 30% to wants, and 20% to savings and investing. Here's how to apply it realistically, even if your numbers don't fit
- [Why Tracking Your Expenses Is More Profitable Than Earning More](https://finboard.me/blog/why-tracking-your-expenses-is-more-profitable-than-earning-more): Earning more doesn't always mean saving more. Here's why tracking and cutting your expenses usually has a bigger, faster impact on your savings than a raise — and how to start today.

## Blog — Español

- [Cómo tributan tus ganancias si inviertes en bolsa o en cripto en España](https://finboard.me/blog/fiscalidad-ganancias-bolsa-y-cripto-espana): Vender acciones, fondos o criptomonedas con beneficio tiene consecuencias fiscales que muchos inversores particulares descubren tarde. Te explicamos, en términos claros, cómo funciona la tributación e
- [Open Banking: qué es y por qué es seguro conectar tus cuentas bancarias](https://finboard.me/blog/open-banking-que-es-y-por-que-es-seguro): Conectar tu banco a una app financiera puede generar dudas comprensibles. Te explicamos, sin tecnicismos, qué es el Open Banking, quién regula el acceso a tus datos y qué es exactamente lo que una app
- [Cómo crear tu propia SL con el PAE Virtual y el sistema CIRCE](https://finboard.me/blog/como-crear-tu-propia-sl-con-el-pae-virtual-y-el-sistema-circe): Hoy puedes constituir tu Sociedad Limitada de forma telemática, sin gestoría obligatoria y con solo 1 € de capital, gracias al sistema CIRCE y su plataforma PAE Virtual. Te explicamos el proceso paso 
- [Cómo llevar el control de tus gastos sin hojas de cálculo](https://finboard.me/blog/como-llevar-el-control-de-tus-gastos-sin-hojas-de-calculo): Muchas personas abandonan el control de sus gastos porque asocian esa tarea a una hoja de cálculo tediosa. Te contamos por qué no es la única opción y qué alternativas existen para llevar tus cuentas 
- [Cómo llevar una cartera de inversión multidivisa](https://finboard.me/blog/como-llevar-una-cartera-de-inversion-multidivisa): Invertir en activos denominados en distintas divisas añade una capa extra de complejidad —y de oportunidad— a tu cartera. Te explicamos cómo organizarla, controlar el riesgo cambiario y evitar los err
- [Fondo de emergencia vs. inversión: ¿qué debería priorizar primero?](https://finboard.me/blog/fondo-de-emergencia-vs-inversion): Uno de los dilemas más habituales al empezar a organizar las finanzas personales es decidir si ahorrar primero para imprevistos o empezar a invertir cuanto antes. Te explicamos cómo priorizar según tu
- [5 señales de que tus gastos hormiga te están saboteando el ahorro](https://finboard.me/blog/5-senales-gastos-hormiga-saboteando-ahorro): Los gastos hormiga son esos pequeños pagos que, uno a uno, parecen insignificantes, pero que juntos pueden estar comiéndose buena parte de tu capacidad de ahorro. Aquí tienes 5 señales para identifica
- [Invertir con poco dinero: por dónde empezar en 2026](https://finboard.me/blog/invertir-con-poco-dinero-2026): No hace falta tener miles de euros ahorrados para empezar a invertir. Te contamos cómo dar tus primeros pasos en 2026 con poco capital, qué opciones existen y qué errores evitar al principio.
- [La regla del 50/30/20: cómo repartir tus ingresos sin volverte loco](https://finboard.me/blog/regla-50-30-20-como-repartir-tus-ingresos): La regla 50/30/20 es uno de los métodos de presupuesto más simples que existen: 50% a necesidades, 30% a deseos y 20% a ahorro e inversión. Te contamos cómo aplicarla de forma realista, incluso si tu 
- [Por qué controlar tus gastos es más rentable que ganar más dinero](https://finboard.me/blog/por-que-controlar-tus-gastos-es-mas-rentable-que-ganar-mas-dinero): Ganar más no siempre significa ahorrar más. Te explicamos por qué controlar tus gastos suele tener un impacto mayor y más rápido en tu ahorro que aumentar tus ingresos, y cómo empezar a hacerlo hoy mi

## Resource centre — personal finance (English)

Guides on using FinBoard and on personal finance generally: centralising accounts, connecting a bank over Open Banking, investing, crypto and security.

- [Centralize your finances](https://finboard.me/resources/centraliza-tus-finanzas/): Leave the spreadsheet behind: how to see every account, investment and crypto holding in one place.
  - [Spreadsheet vs FinBoard: how much time you lose tracking your money by hand](https://finboard.me/resources/centraliza-tus-finanzas/excel-vs-finboard.html): What a manual spreadsheet really costs you every month, what it still does better than any app, and what changes when the data updates itself.
  - [FinBoard Free, Basic or Pro: which plan you need for your situation](https://finboard.me/resources/centraliza-tus-finanzas/que-plan-necesitas.html): A practical way to choose your FinBoard plan based on what you want to solve, not on the feature list. Live prices and limits always on finboard.me/plans.
  - [From an expenses-only app to FinBoard: what actually changes](https://finboard.me/resources/centraliza-tus-finanzas/desde-app-de-gastos.html): If you come from an app that only tracks spending, this is what changes when your accounts, investments and crypto live in the same place.
  - [How many accounts you can connect on the free plan](https://finboard.me/resources/centraliza-tus-finanzas/cuantas-cuentas-gratis.html): What counts as an account, what counts as a bank connection, and how to make the most of the free plan quotas before upgrading.
- [FinBoard with your bank](https://finboard.me/resources/finboard-con-tu-banco/): Connect your bank, broker or exchange to FinBoard: how the flow works, step by step.
  - [How to connect your bank to FinBoard, step by step](https://finboard.me/resources/finboard-con-tu-banco/conectar-tu-banco-paso-a-paso.html): What you need before you start, what happens on each screen of the Open Banking flow, and what gets synced once the connection is live.
  - [What to do if your bank is missing or the connection keeps failing](https://finboard.me/resources/finboard-con-tu-banco/mi-banco-no-aparece.html): Why some institutions are not available for automatic connection, how to check it, and how to track those accounts in FinBoard anyway.
  - [How often your movements refresh (and why your bank asks you to confirm again)](https://finboard.me/resources/finboard-con-tu-banco/cada-cuanto-se-actualiza.html): How bank data refresh works in FinBoard, why Open Banking consent expires, and what to expect when it does.
- [Learn to invest](https://finboard.me/resources/aprende-a-invertir/): Investing basics explained without jargon, so you can take the next step with confidence.
  - [What diversifying really means (explained without jargon)](https://finboard.me/resources/aprende-a-invertir/que-es-diversificar.html): Diversifying is not owning a bit of everything. What it actually protects you from, and how to tell whether you are really diversified.
  - [Investing with little money: where to start without expensive mistakes](https://finboard.me/resources/aprende-a-invertir/invertir-con-poco-dinero.html): What to sort out before your first investment, why fees matter more when the amount is small, and the mistakes that cost beginners the most.
  - [Financial risk: what it is and how to tell how much you are taking](https://finboard.me/resources/aprende-a-invertir/riesgo-financiero.html): Risk is not the chance of losing money — it is broader than that. How to read your own exposure without formulas.
  - [Saving vs investing: when it makes sense to move from one to the other](https://finboard.me/resources/aprende-a-invertir/ahorrar-vs-invertir.html): They are not competing strategies but different jobs. How to decide which part of your money belongs to each.
- [Crypto + traditional investing](https://finboard.me/resources/cripto-inversion-tradicional/): How to see your crypto and your traditional investments as what they are: one single portfolio.
  - [What share of your portfolio in crypto is reasonable?](https://finboard.me/resources/cripto-inversion-tradicional/porcentaje-en-cripto.html): There is no universal number, but there is a way to reason about it: horizon, capacity for loss and what the position looks like as a percentage of your total.
  - [Crypto and index funds in the same dashboard: why it matters](https://finboard.me/resources/cripto-inversion-tradicional/cripto-y-fondos-mismo-dashboard.html): Why keeping crypto in a separate app distorts the decisions you make about the rest of your money.
  - [How FinBoard shows your exposure when you mix crypto and traditional assets](https://finboard.me/resources/cripto-inversion-tradicional/exposicion-cripto-y-tradicional.html): What FinBoard actually shows you about your distribution across asset types, currencies and platforms — and what it does not claim to do.
- [Investing abroad](https://finboard.me/resources/invertir-en-el-extranjero/): International brokers, multiple currencies and how to know what you really hold in euros.
  - [How to value your portfolio when you invest in dollars (or any other currency)](https://finboard.me/resources/invertir-en-el-extranjero/valorar-cartera-en-dolares.html): Which exchange rate to use, why the rate you remember is the wrong one, and how to separate market performance from currency movement.
  - [International brokers: what to watch when consolidating your portfolio](https://finboard.me/resources/invertir-en-el-extranjero/brokers-internacionales.html): Currency conversion costs, statements in another currency, and the details that make consolidation harder than it looks.
  - [Multi-currency in FinBoard: how we convert your money to euros, always up to date](https://finboard.me/resources/invertir-en-el-extranjero/multidivisa-en-finboard.html): How FinBoard values accounts and positions held in other currencies, and what to expect from the consolidated total.
- [Security and Open Banking](https://finboard.me/resources/seguridad-open-banking/): How automatic bank connection works and what data FinBoard does (and does not) see.
  - [Is it safe to connect my bank to an app? How Open Banking works](https://finboard.me/resources/seguridad-open-banking/es-seguro-conectar-mi-banco.html): Where you actually type your credentials, why the access is read-only, and what a regulated connection means in practice.
  - [What data FinBoard sees (and what we never see)](https://finboard.me/resources/seguridad-open-banking/que-datos-ve-finboard.html): A concrete list of what comes in through a bank connection, what does not, and who inside FinBoard can look at it.
  - [PSD2 explained for people who are neither developers nor lawyers](https://finboard.me/resources/seguridad-open-banking/psd2-explicado.html): What the European regulation behind Open Banking actually changed, and why it works in your favour.
- [FinBoard for advisors and wealth managers](https://finboard.me/resources/finboard-para-asesores/): We are exploring how to help advisors centralise their clients' reporting. Tell us about your case.
  - [The time an advisor loses gathering client data every month](https://finboard.me/resources/finboard-para-asesores/tiempo-que-pierde-un-asesor.html): Where the hours actually go when client positions live across several institutions, and why the cost is bigger than the hours.
  - [What a reporting tool for wealth advisors would really need](https://finboard.me/resources/finboard-para-asesores/que-necesitaria-una-herramienta-de-reporting.html): Our working hypotheses about what such a tool would have to solve — published so you can tell us where we are wrong.

## Centro de recursos — finanzas personales (Español)

- [Centraliza tus finanzas](https://finboard.me/resources/es/centraliza-tus-finanzas/): Deja el Excel: cómo ver todas tus cuentas, inversiones y cripto en un solo sitio.
  - [Excel vs. FinBoard: cuánto tiempo pierdes controlando tus finanzas a mano](https://finboard.me/resources/es/centraliza-tus-finanzas/excel-vs-finboard.html): Lo que te cuesta de verdad cada mes un Excel manual, lo que sigue haciendo mejor que cualquier app y qué cambia cuando los datos se actualizan solos.
  - [FinBoard Free, Basic o Pro: qué plan necesitas según tu situación](https://finboard.me/resources/es/centraliza-tus-finanzas/que-plan-necesitas.html): Una forma práctica de elegir tu plan de FinBoard según lo que quieres resolver, no según la lista de funciones. Precios y límites siempre actualizados en finboard.me/plans.
  - [De otra app a FinBoard: qué cambia si vienes de una herramienta solo de gastos](https://finboard.me/resources/es/centraliza-tus-finanzas/desde-app-de-gastos.html): Si vienes de una app que solo controla gastos, esto es lo que cambia cuando tus cuentas, inversiones y cripto viven en el mismo sitio.
  - [Cuántas cuentas puedes conectar gratis en FinBoard](https://finboard.me/resources/es/centraliza-tus-finanzas/cuantas-cuentas-gratis.html): Qué cuenta como cuenta, qué cuenta como conexión bancaria y cómo aprovechar los límites del plan gratuito antes de subir de plan.
- [FinBoard con tu banco](https://finboard.me/resources/es/finboard-con-tu-banco/): Conecta tu banco, bróker o exchange a FinBoard: cómo funciona el proceso, paso a paso.
  - [Cómo conectar tu banco a FinBoard, paso a paso](https://finboard.me/resources/es/finboard-con-tu-banco/conectar-tu-banco-paso-a-paso.html): Qué necesitas antes de empezar, qué ocurre en cada pantalla del proceso de Open Banking y qué se sincroniza cuando la conexión está activa.
  - [Qué hacer si tu banco no aparece o la conexión falla](https://finboard.me/resources/es/finboard-con-tu-banco/mi-banco-no-aparece.html): Por qué algunas entidades no están disponibles para conexión automática, cómo comprobarlo y cómo llevar esas cuentas en FinBoard igualmente.
  - [Cada cuánto se actualizan tus movimientos (y por qué tu banco te pide reconfirmar)](https://finboard.me/resources/es/finboard-con-tu-banco/cada-cuanto-se-actualiza.html): Cómo funciona la actualización de datos bancarios en FinBoard, por qué caduca el consentimiento de Open Banking y qué esperar cuando ocurre.
- [Aprende a invertir](https://finboard.me/resources/es/aprende-a-invertir/): Lo básico de invertir, explicado sin tecnicismos, para dar el siguiente paso con confianza.
  - [Qué es diversificar tu patrimonio (explicado sin tecnicismos)](https://finboard.me/resources/es/aprende-a-invertir/que-es-diversificar.html): Diversificar no es tener de todo un poco. De qué te protege realmente y cómo saber si de verdad estás diversificado.
  - [Invertir con poco dinero: por dónde empezar sin cometer errores caros](https://finboard.me/resources/es/aprende-a-invertir/invertir-con-poco-dinero.html): Qué dejar resuelto antes de tu primera inversión, por qué las comisiones pesan más cuando el importe es pequeño y los errores que más caros salen al empezar.
  - [Riesgo financiero: qué es y cómo saber cuánto estás asumiendo](https://finboard.me/resources/es/aprende-a-invertir/riesgo-financiero.html): El riesgo no es la probabilidad de perder dinero: es algo más amplio. Cómo leer tu propia exposición sin fórmulas.
  - [Ahorrar vs. invertir: cuándo tiene sentido pasar de un paso a otro](https://finboard.me/resources/es/aprende-a-invertir/ahorrar-vs-invertir.html): No son estrategias rivales, son trabajos distintos. Cómo decidir qué parte de tu dinero le toca a cada uno.
- [Cripto + inversión tradicional](https://finboard.me/resources/es/cripto-inversion-tradicional/): Cómo ver tu cripto y tus inversiones tradicionales como lo que son: un solo patrimonio.
  - [¿Qué porcentaje de tu patrimonio en cripto es razonable?](https://finboard.me/resources/es/cripto-inversion-tradicional/porcentaje-en-cripto.html): No hay una cifra universal, pero sí una forma de razonarlo: horizonte, capacidad de pérdida y qué pinta tiene la posición como porcentaje de tu total.
  - [Cripto y fondos indexados en el mismo dashboard: por qué importa](https://finboard.me/resources/es/cripto-inversion-tradicional/cripto-y-fondos-mismo-dashboard.html): Por qué mantener la cripto en una app aparte distorsiona las decisiones que tomas sobre el resto de tu dinero.
  - [Cómo ve FinBoard tu exposición cuando mezclas cripto y activos tradicionales](https://finboard.me/resources/es/cripto-inversion-tradicional/exposicion-cripto-y-tradicional.html): Qué te muestra realmente FinBoard sobre tu distribución por tipo de activo, divisa y plataforma, y qué no pretende hacer.
- [Invertir en el extranjero](https://finboard.me/resources/es/invertir-en-el-extranjero/): Brókeres internacionales, multidivisa y cómo saber cuánto tienes realmente en euros.
  - [Cómo valorar tu cartera cuando inviertes en dólares (o cualquier otra divisa)](https://finboard.me/resources/es/invertir-en-el-extranjero/valorar-cartera-en-dolares.html): Qué tipo de cambio usar, por qué el que recuerdas es el equivocado y cómo separar lo que sube el mercado de lo que se mueve la divisa.
  - [Brókeres internacionales: qué tener en cuenta al consolidar tu patrimonio](https://finboard.me/resources/es/invertir-en-el-extranjero/brokers-internacionales.html): Costes de conversión de divisa, extractos en otra moneda y los detalles que hacen la consolidación más difícil de lo que parece.
  - [Multidivisa en FinBoard: así convertimos tu dinero a euros, siempre actualizado](https://finboard.me/resources/es/invertir-en-el-extranjero/multidivisa-en-finboard.html): Cómo valora FinBoard las cuentas y posiciones en otras divisas y qué esperar del total consolidado.
- [Seguridad y Open Banking](https://finboard.me/resources/es/seguridad-open-banking/): Cómo funciona la conexión bancaria automática y qué datos ve (y no ve) FinBoard.
  - [¿Es seguro conectar mi banco a una app? Así funciona el Open Banking](https://finboard.me/resources/es/seguridad-open-banking/es-seguro-conectar-mi-banco.html): Dónde escribes realmente tus claves, por qué el acceso es de solo lectura y qué significa en la práctica una conexión regulada.
  - [Qué datos ve FinBoard (y qué datos nunca vemos)](https://finboard.me/resources/es/seguridad-open-banking/que-datos-ve-finboard.html): Una lista concreta de lo que entra por una conexión bancaria, lo que no entra y quién dentro de FinBoard puede verlo.
  - [PSD2 explicado para quien no es programador ni abogado](https://finboard.me/resources/es/seguridad-open-banking/psd2-explicado.html): Qué cambió realmente la normativa europea que hay detrás del Open Banking y por qué juega a tu favor.
- [FinBoard para asesores y gestores patrimoniales](https://finboard.me/resources/es/finboard-para-asesores/): Estamos explorando cómo ayudar a asesores a centralizar el reporting de sus clientes. Cuéntanos tu caso.
  - [El tiempo que pierde un asesor financiero recopilando datos de clientes cada mes](https://finboard.me/resources/es/finboard-para-asesores/tiempo-que-pierde-un-asesor.html): Dónde se van realmente las horas cuando las posiciones de tus clientes viven en varias entidades y por qué el coste es mayor que las horas.
  - [Qué necesitaría de verdad una herramienta de reporting para asesores patrimoniales](https://finboard.me/resources/es/finboard-para-asesores/que-necesitaria-una-herramienta-de-reporting.html): Nuestras hipótesis de trabajo sobre lo que tendría que resolver esa herramienta, publicadas para que nos digas en qué nos equivocamos.

## Resource centre — finance teams and CFOs (English)

Editorial guides on corporate consolidation, reporting and FP&A in Google Sheets, aimed at finance teams and fractional CFOs. These describe spreadsheet and accounting workflows discussed in the articles; they are not a list of FinBoard product features.

- [Multi-Entity Consolidation](https://finboard.me/resources/consolidacion-financiera/): Learn how to consolidate holdings and multi-currency financial statements in Google Sheets without broken formulas or errors.
  - [How to do multi-entity consolidation in Google Sheets without errors](https://finboard.me/resources/consolidacion-financiera/consolidacion-google-sheets.html): Step-by-step guide to consolidate multi-company balance sheets and P&L in Google Sheets, automating intercompany eliminations.
  - [Intercompany eliminations in consolidation: a practical guide](https://finboard.me/resources/consolidacion-financiera/intercompany-eliminations.html): How to eliminate operations between companies in the same group (sales, treasury, debt) to avoid duplicating revenue and costs in your consolidation.
  - [Multi-currency conversion in consolidated financial statements](https://finboard.me/resources/consolidacion-financiera/conversion-multidivisa.html): Learn how to convert multi-currency financial statements to your functional currency with consistent closing rates in Google Sheets.
  - [Consolidation template vs software: what to choose in 2026](https://finboard.me/resources/consolidacion-financiera/plantilla-vs-software.html): Comparing consolidating with a Google Sheets template vs using FP&A software. Costs, control and when to make the leap.
- [Automated Reporting in Sheets](https://finboard.me/resources/reporting-google-sheets/): Automate P&L, Balance Sheets, Cash Flow and Aging by syncing QuickBooks directly to Google Sheets.
  - [How to create a dynamic CFO Dashboard in Google Sheets](https://finboard.me/resources/reporting-google-sheets/cfo-dashboard-google-sheets.html): Build real-time executive dashboards for your board in Google Sheets, without losing formatting or copy-pasting.
  - [P&L analysis by cost class and department in Google Sheets](https://finboard.me/resources/reporting-google-sheets/analisis-pyg-clase-departamento.html): Build a P&L broken down by cost class and department in Google Sheets with QUERY and SUMIFS, synced with your accounting.
  - [Automated balance sheet and cash flow from QuickBooks to Sheets](https://finboard.me/resources/reporting-google-sheets/balance-flujo-caja-automatizado.html): Automate your balance sheet and cash flow statement by syncing QuickBooks with Google Sheets. Stop building them by hand every month.
  - [Automated receivables and payables aging report](https://finboard.me/resources/reporting-google-sheets/aging-cobros-pagos.html): Create a customer and supplier aging report in Google Sheets with 30-60-90 day buckets, synced and updated automatically.
- [FP&A, Budgeting and Forecasting](https://finboard.me/resources/fpa-budgeting-forecasting/): Build Budget vs Actuals analysis, Runway control and per-project profitability analysis.
  - [Budget vs Actuals analysis in Google Sheets (step by step)](https://finboard.me/resources/fpa-budgeting-forecasting/analisis-budget-vs-actuals.html): Build your budget variance report in Google Sheets comparing actuals vs budget with automatic deviations.
  - [Financial models with live formulas in Google Sheets](https://finboard.me/resources/fpa-budgeting-forecasting/modelos-financieros-formulas-live.html): Use GOOGLEFINANCE and ARRAYFORMULA to build real-time financial models inside Google Sheets.
  - [Runway and burn rate for startups: a Sheets model](https://finboard.me/resources/fpa-budgeting-forecasting/runway-burn-rate-startups.html): Calculate your monthly burn rate and startup runway in Google Sheets with a simple, automatable model.
  - [Per-project profitability analysis in Google Sheets](https://finboard.me/resources/fpa-budgeting-forecasting/project-profitability.html): Measure the real margin of each project or client by allocating costs and hours. Practical template for Google Sheets.
- [Comparisons and Integrations](https://finboard.me/resources/comparativas-e-integraciones/): Analysis of FP&A tools, accounting connectors and step-by-step integration tutorials.
  - [FinBoard vs. LiveFlow vs. G-Accon: 2026 comparison](https://finboard.me/resources/comparativas-e-integraciones/finboard-vs-liveflow-gaccon.html): We analyse the pros, cons, performance and pricing of the best accounting connectors for Google Sheets in 2026.
  - [How to connect QuickBooks with Google Sheets step by step](https://finboard.me/resources/comparativas-e-integraciones/conectar-quickbooks-google-sheets.html): Step-by-step guide to sync QuickBooks with Google Sheets and automate your reporting without copy and paste.
  - [Why use add-ons and connectors in Google Sheets](https://finboard.me/resources/comparativas-e-integraciones/porque-usar-add-ons-google-sheets.html): Benefits of using add-ons and connectors for Google Sheets: time savings, fewer errors and real-time reporting.
- [Resources for Fractional CFOs](https://finboard.me/resources/fractional-cfo-asesorias/): Strategies to scale your financial practice, automate client reporting and executive templates.
  - [How to scale your fractional CFO service without hiring more](https://finboard.me/resources/fractional-cfo-asesorias/escalar-servicio-fractional-cfo.html): Strategies for a fractional CFO to manage more clients by automating reporting with Google Sheets.
  - [Executive report templates for advisory firms](https://finboard.me/resources/fractional-cfo-asesorias/plantillas-informes-ejecutivos.html): Collection of executive report templates (dashboard, P&L, cash flow) for advisory firms and financial practices.
  - [Multi-client financial management: systems and workflows](https://finboard.me/resources/fractional-cfo-asesorias/gestion-financiera-multicliente.html): How to organize financial reporting for several clients at once: folders, templates and centralized synchronization.

## Centro de recursos — equipos financieros y CFOs (Español)

- [Consolidación Multi-Empresa](https://finboard.me/resources/es/consolidacion-financiera/): Aprende a consolidar holdings y estados financieros multi-divisa en Google Sheets sin errores ni fórmulas rotas.
  - [Cómo realizar la consolidación multi-entidad en Google Sheets sin errores](https://finboard.me/resources/es/consolidacion-financiera/consolidacion-google-sheets.html): Guía paso a paso para consolidar balances y P&L multi-empresa en Google Sheets automatizando eliminaciones intercompañía.
  - [Eliminaciones intercompañía en consolidación: guía práctica](https://finboard.me/resources/es/consolidacion-financiera/intercompany-eliminations.html): Cómo eliminar operaciones entre empresas del mismo grupo (ventas, tesorería, deuda) para no duplicar ingresos ni costes en tu consolidado.
  - [Conversión multidivisa en estados financieros consolidados](https://finboard.me/resources/es/consolidacion-financiera/conversion-multidivisa.html): Aprende a convertir estados financieros multidivisa a tu moneda funcional con tipos de cierre coherentes en Google Sheets.
  - [Plantilla de consolidación vs software: qué elegir en 2026](https://finboard.me/resources/es/consolidacion-financiera/plantilla-vs-software.html): Comparativa entre consolidar con una plantilla de Google Sheets y usar software FP&A. Costes, control y cuándo dar el salto.
- [Reporting Automatizado en Sheets](https://finboard.me/resources/es/reporting-google-sheets/): Automatiza P&L, Balances, Cash Flow y Aging sincronizando QuickBooks directamente con Google Sheets.
  - [Cómo crear un Dashboard de CFO dinámico en Google Sheets](https://finboard.me/resources/es/reporting-google-sheets/cfo-dashboard-google-sheets.html): Diseña paneles ejecutivos en tiempo real directos a la junta directiva en Google Sheets, sin perder el formato y sin copiar y pegar.
  - [Análisis de P&L por clase y departamento en Google Sheets](https://finboard.me/resources/es/reporting-google-sheets/analisis-pyg-clase-departamento.html): Construye un P&L desglosado por clase de coste y departamento en Google Sheets con QUERY y SUMIFS sincronizado con tu contabilidad.
  - [Balance y flujo de caja automatizados desde QuickBooks a Sheets](https://finboard.me/resources/es/reporting-google-sheets/balance-flujo-caja-automatizado.html): Automatiza tu balance de situación y estado de flujos de caja sincronizando QuickBooks con Google Sheets. Deja de armarlos a mano cada mes.
  - [Informe de aging de cobros y pagos automatizado](https://finboard.me/resources/es/reporting-google-sheets/aging-cobros-pagos.html): Crea un aging de clientes y proveedores en Google Sheets con tramos de 30-60-90 días, sincronizado y actualizado automáticamente.
- [FP&A, Budgeting y Forecasting](https://finboard.me/resources/es/fpa-budgeting-forecasting/): Construye análisis Budget vs. Actuals, control de Runway y análisis de rentabilidad por proyecto.
  - [Análisis Budget vs Actuals en Google Sheets (paso a paso)](https://finboard.me/resources/es/fpa-budgeting-forecasting/analisis-budget-vs-actuals.html): Monta tu informe de variación presupuestaria en Google Sheets comparando reales vs presupuesto con desviaciones automáticas.
  - [Modelos financieros con fórmulas live en Google Sheets](https://finboard.me/resources/es/fpa-budgeting-forecasting/modelos-financieros-formulas-live.html): Usa GOOGLEFINANCE y ARRAYFORMULA para construir modelos financieros en tiempo real dentro de Google Sheets.
  - [Runway y burn rate para startups: modelo en Sheets](https://finboard.me/resources/es/fpa-budgeting-forecasting/runway-burn-rate-startups.html): Calcula tu burn rate mensual y el runway de tu startup en Google Sheets con un modelo sencillo y automatizable.
  - [Análisis de rentabilidad por proyecto en Google Sheets](https://finboard.me/resources/es/fpa-budgeting-forecasting/project-profitability.html): Mide el margen real de cada proyecto o cliente asignando costes y horas. Plantilla práctica para Google Sheets.
- [Comparativas e Integraciones](https://finboard.me/resources/es/comparativas-e-integraciones/): Análisis de herramientas FP&A, conectores contables y tutoriales de integración paso a paso.
  - [FinBoard vs. LiveFlow vs. G-Accon: comparativa 2026](https://finboard.me/resources/es/comparativas-e-integraciones/finboard-vs-liveflow-gaccon.html): Analizamos pros, contras, rendimiento y precios de los mejores conectores contables para Google Sheets en 2026.
  - [Cómo conectar QuickBooks con Google Sheets paso a paso](https://finboard.me/resources/es/comparativas-e-integraciones/conectar-quickbooks-google-sheets.html): Guía paso a paso para sincronizar QuickBooks con Google Sheets y automatizar tu reporting sin copiar y pegar.
  - [Por qué usar add-ons y conectores en Google Sheets](https://finboard.me/resources/es/comparativas-e-integraciones/porque-usar-add-ons-google-sheets.html): Ventajas de usar add-ons y conectores para Google Sheets: ahorro de tiempo, menos errores y reporting en tiempo real.
- [Recursos para Fractional CFOs](https://finboard.me/resources/es/fractional-cfo-asesorias/): Estrategias para escalar tu despacho financiero, automatizar reportes para clientes y plantillas ejecutivas.
  - [Cómo escalar tu servicio de fractional CFO sin contratar más](https://finboard.me/resources/es/fractional-cfo-asesorias/escalar-servicio-fractional-cfo.html): Estrategias para que un fractional CFO gestione más clientes automatizando el reporting con Google Sheets.
  - [Plantillas de informes ejecutivos para asesorías](https://finboard.me/resources/es/fractional-cfo-asesorias/plantillas-informes-ejecutivos.html): Colección de plantillas de informes ejecutivos (dashboard, P&L, cash flow) para asesorías y despachos financieros.
  - [Gestión financiera multicliente: sistemas y flujos](https://finboard.me/resources/es/fractional-cfo-asesorias/gestion-financiera-multicliente.html): Cómo organizar el reporting financiero de varios clientes a la vez: carpetas, plantillas y sincronización centralizada.

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