SEK 154 billion at Kronofogden – Finton aims to spot risks before debts grow

With record-high debts at Kronofogden and widespread financial stress, Haveton AB is launching Finton, a Swedish finance app that connects bank data, risk flags and concrete next steps.

Sweden is often described as a country with stable households. At the same time, official data and surveys point to a more strained everyday economy.

At the end of 2025, around 437,000 people had debts with Kronofogden, and the total debt amounted to around SEK 154 billion – an increase of roughly 12 percent in one year. A survey by Finansinspektionen and Folkhälsomyndigheten shows that around one in three feel worry or stress about their finances, and that the same share have struggled to cover ongoing expenses such as food and rent over the past year.

Finton is built on the idea that financial problems rarely appear overnight. They often show up first as patterns: more credit purchases, more subscriptions, weaker margins, recurring overdrafts or expenses that slowly drift upward.

The problem is almost never that people do not want control. It is that personal finances have become too hard to overview when bills, subscriptions and card purchases are spread across multiple banks and services. Finton helps users see the patterns earlier and understand what can be done about them, says Olle Pettersson, founder and CEO of Haveton AB.

Unlike traditional budget apps that mainly show history, Finton analyses real transaction patterns and surfaces risks, anomalies and improvements – with concrete insights linked to each identified issue. The app offers, among other things:

• Consolidated overview of accounts via Open Banking
• Automatic categorisation across 160+ categories
• Identification of subscriptions and spending drains
• Notifications when your own monthly limits are approaching
• Comparisons against Swedish statistics (SCB) for context around spending

Kronofogden sees the problems once they have already escalated. Finton helps people spot the signals while there is still time to act, says Olle Pettersson.

Bank linking is done via Open Banking (Enable Banking); transaction data is enriched via strategic partner Gokind. Finton has read-only access and cannot make payments or move money.

Core features are free. Haveton plans to offer premium features and relevant partnerships over time, linked to better financial decisions and cost optimisation.