Question 1

Where is my data stored?

Accepted Answer

Data is stored encrypted in Lovable Cloud (built on Supabase), with standard transport encryption (TLS) and row-level access control. That means no one except you and any collaborators you invite can see your numbers.

Question 2

Who can see my numbers?

Accepted Answer

Only you and the people you actively invite to your household. No ads, no third-party data mining. You can revoke any share at any time.

Question 3

Can I delete my account?

Accepted Answer

Yes. You can export your data and delete your account from Settings. We remove household data within a reasonable time. Anonymised usage statistics may be kept for product improvement.

Question 4

What does the AI assistant do?

Accepted Answer

The AI assistant helps you understand financial scenarios based on the numbers you have entered. It explains the consequences of choices you are considering — for example, 'what happens if I increase my BSU savings?' — but it does not provide personal investment advice.

Question 5

Are my data sent to OpenAI?

Accepted Answer

When you ask a question, the message and a snapshot of relevant numbers are sent to OpenAI to generate the reply. We ask OpenAI not to use the data for model training, and we store your conversation encrypted in our database.

Question 6

Is this personal investment advice?

Accepted Answer

No. Sparekartet is a decision-support tool, not a licensed financial adviser. All calculations are simplified models. Always verify important decisions against the Norwegian Tax Administration, your bank, or a licensed adviser.

Question 7

How do I start budgeting without connecting my bank?

Accepted Answer

You can import CSV from your bank, paste numbers from Excel, or enter them manually. Direct bank connection is not available yet, but is on the roadmap.

Question 8

How does Sparekartet categorise my spending?

Accepted Answer

Transactions are categorised automatically based on description and amount, and you can override with your own rules. Rules apply forward and backward, so you tidy up only once.

Question 9

Can we manage joint finances as a couple?

Accepted Answer

Yes. Share selected accounts and categories with your partner via read-only access, or use write access for a shared household budget. Personal accounts stay private.

Question 10

Where do you get the tax rates from?

Accepted Answer

We follow Skatteetaten's published rates for income year 2026 — bracket tax, social security, wealth tax, BSU and IPS deductions update as the national budget is passed.

Question 11

How are ASK accounts and dividends handled?

Accepted Answer

Deposits and withdrawals on an ASK account are taxed only on realisation above the shielding deduction. Sparekartet calculates shielding and the upward-adjustment factor automatically.

Question 12

Do you calculate wealth tax correctly?

Accepted Answer

Yes — we apply the basic allowance, assessed values for primary and secondary homes, and the discount on shares and operating assets. Numbers from your tax return can be imported to check for discrepancies.

Question 13

Can I see what a rate change means for me?

Accepted Answer

Yes. Change the rate, term or extra payment and see monthly cost, total interest and payoff time update immediately — compare up to three scenarios side by side.

Question 14

Is it worth refinancing?

Accepted Answer

Sparekartet calculates the break-even of fees against interest savings and shows when a new loan actually pays off. You see the full cash flow, not just the new headline rate.

Question 15

How do I invite my partner?

Accepted Answer

Go to Settings in the app and send an email invitation. Your partner gets access to the shared household and can view and contribute to the sections you grant access to.

Question 16

How do I share numbers with my accountant or advisor?

Accepted Answer

Create a read-only snapshot with a single link. The recipient sees the numbers you choose, can't change anything, and the link can be revoked at any time.

Question 17

Can I set expiry or a password on shared links?

Accepted Answer

Yes — set expiry, password and which sections are visible (e.g. tax only, not transactions). All sharing is logged so you can see who opened the link.

Question 18

What happens after the beta?

Accepted Answer

Sparekartet is free while we are in beta. When we launch a paid version, all existing users will be notified well in advance. No surprise fees or automatic transitions.

Vanlige spørsmål

Sikkerhet og data

AI-assistenten

Budsjett

Skatt 2026

Boliglån og scenarier

Delt husholdning

Deling med rådgiver

Beta og veien videre

Vanlige spørsmål

Sikkerhet og data

Hvor lagres dataene mine?

Hvem kan se tallene mine?

Kan jeg slette kontoen min?

AI-assistenten

Hva gjør AI-assistenten?

Sendes dataene mine til OpenAI?

Er dette personlig investeringsrådgivning?

Budsjett

Hvordan kommer jeg i gang med budsjettet uten å koble til banken?

Hvordan kategoriserer Sparekartet utgiftene mine?

Kan vi føre felles økonomi som par?

Skatt 2026

Hvor henter dere skattesatsene fra?

Hvordan håndteres ASK og utbytte?

Beregner dere formuesskatt riktig?

Boliglån og scenarier

Kan jeg se hva en renteendring betyr for meg?

Lønner det seg å refinansiere?

Delt husholdning

Hvordan inviterer jeg partneren min?

Deling med rådgiver

Hvordan deler jeg tall med regnskapsfører eller rådgiver?

Kan jeg sette utløpsdato eller passord på delte lenker?

Beta og veien videre

Hva skjer når betaen er over?