Finman · Personal Finance App · Open Beta

Finman personal finance app: your money in one picture

Finman keeps budgets, debts, savings goals, investments and net worth in one web app for your phone and computer. Import a bank statement file or type transactions in, sort them with your own rules, and see your balance projected up to 90 days ahead. The AI CFO chat answers from your own numbers.

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Free in open beta CSV · OFX · QFX import Phone & desktop Multi-currency net worth
Cash-flow tide staff An illustration of how Finman shows a forecast: a widening band between the best and worst case, over the datum line — the balance below which direct debits bounce. The band drops below datum around the 27th. 2,410 2,860 1,940 2,300 DATUM 1,200 — DEBITS BOUNCE BELOW 3,050 980 TODAY 27TH
Example forecast. Your own figures replace these once your accounts are connected.

What Finman is

A money manager that works from your own transactions

Short answer

Finman is a personal finance web app at app.finman.money for Android, iPhone and desktop browsers. It keeps accounts in several currencies, budgets, savings goals, debts, subscriptions, investments and net worth in one place and projects your balance up to 90 days ahead. It is in open beta: every feature is free, sign-up takes an email or a Google account.

Create Free Account Who builds Finman

  1. 01 →Bring in transactionsCSV, OFX or QFX files from your bank, a monobank token, or manual entry.
  2. 02 →Sort themA category from the merchant code or description keywords; one Apply rules click sorts what is left in Other.
  3. 03 →PlanBudgets with an envelope (rollover) mode, savings goals, debts with their rates.
  4. 04 →Look aheadBalance forecast up to 90 days ahead from the last 90 days, with recurring payments on their due dates.
  5. 05AskThe AI CFO chat answers from your numbers and writes a monthly summary and savings plan.
How Finman works: from a bank file to a forecast and an answer built on your own data.

Features

Everything in the app, one page each

Each feature works with or without a bank connection. Open a feature to see what it does, what it needs from you and how it fits with the rest.

01

AI CFO Chat

Ask "Should I pay off my car loan or invest?" and get an answer built from your own transactions, budgets, goals and debts.

AI CFO chat
02

Expense Tracking & Categories

Imported transactions get a category from the merchant category code or keywords in the description. Whatever lands in Other, your own rules sort with one Apply rules click.

Expense tracker
03

Receipt Scanning

Photograph a receipt. With AI on, the model reads the merchant, total, date and line items; otherwise server text recognition reads merchant, total and date. You check and save.

Receipt scanner
04

Budget Planner

Monthly or custom budgets per category with live progress. Finman flags a budget at 80% spent or when the current pace will break it before the period ends.

Free budget app
05

Investment Tracker

Stocks, ETFs, bonds, crypto and other assets with prices refreshed from free Stooq quotes. Allocation breakdown and a FIRE projection toward your target.

Investment tracker
06

Net Worth Dashboard

Assets minus liabilities across every account. Each account keeps its own currency and totals convert to your base currency; snapshots build a history chart.

Net worth tracker
07

Financial Forecasting

Your balance projected up to 90 days ahead from the last 90 days of income, spending and recurring payments, so a short month shows up before it arrives.

How the forecast works
08

Debt Payoff Tracking

Enter your debts with their rates and target dates and log each payment; Finman keeps what is left of each debt and flags one still open after its target date.

Debt payoff planner
09

Subscription Tracker

Finman finds charges that repeat in your transactions and lists the subscriptions behind them with their amounts, including ones you may have forgotten.

Subscription tracker
10

Savings Goals

Set a goal (vacation, emergency fund, down payment); the goal card shows what is saved and what is left, and My plan on the AI page works out the monthly amount each goal needs.

Savings goals
11

Family Finance

Invite family members to shared accounts and household budgets, split shared purchases, and keep a private spending view for each person.

Family finance Budgeting app for couples
12

Phone & Desktop

One web app for every screen. Add app.finman.money to your home screen and keep entering transactions offline: they sync when you reconnect.

Phone and desktop

Banks

Works with your bank's statement files

Finman is built in Ottawa. For the big Canadian banks you download a CSV, OFX or QFX file in online banking and import it; no bank password is handed to Finman. monobank connects directly with a personal API token.

Budget app for Canada

Free tools

Money calculators

Quick answers without an account. Each result is a rule-of-thumb starting point; your own numbers in Finman refine it.

All free calculators

Pricing

Free during the open beta

During the open beta every feature is free and online payment is not switched on yet. The Pro and Family prices below are the plans for after the beta. Plan details

Free

$0/month

Everything you need to get started

  • Accounts and transactions
  • Budgets and goals
  • CSV import
  • Web app for phone and desktop
Get Started Free

Pro

$9/month

Adds the AI assistant and bank sync

  • Everything in Free
  • AI finance assistant (AI CFO chat)
  • Bank sync
  • Anomaly detection
Open Finman

Family

$19/month

For households managing finances together

  • Everything in Pro
  • Family sharing and a shared budget
  • Up to 5 members
  • Priority support
Open Finman

FAQ

Questions before you sign up

Price, banks, phones, the AI and your data. More answers in the guides.

What is Finman?
Finman is a personal finance web app at app.finman.money. It keeps your accounts, budgets, savings goals, debts, subscriptions, investments and net worth in one place and builds forecasts from your own transactions. Its AI CFO chat answers questions using your own numbers.
Is Finman free?
During the open beta every feature is free and online payment is not connected, so no card is asked for. After the beta the Free plan stays at $0; Pro is planned at $9 a month and Family at $19 a month. The pricing page lists what each plan includes.
Does Finman connect to my bank?
monobank connects directly with a personal API token. For RBC Royal Bank, TD Canada Trust, Scotiabank, BMO, CIBC, Tangerine, Wealthsimple Cash, EQ Bank, Revolut and Wise you import the CSV, OFX or QFX file you download from online banking. Manual entry covers every feature without any bank connection.
Does Finman work on Android and iOS?
Yes, in the phone's browser. Finman is a web app at app.finman.money that runs on Android, iPhone and desktop. You can add it to your home screen, photograph receipts with the phone camera and keep working offline until the connection returns. Store versions for Google Play and the App Store are not published yet.
How does the AI CFO feature work?
The AI CFO is a chat inside the app. When you ask a question, our server gathers your accounts, budgets, goals, debts and recent transactions and sends them with the question to an OpenAI GPT model, reached through Finman's own ChatGPT account. The answer is built from your numbers. The same model writes your monthly summary and spending insights, drafts a savings plan and reads receipt photos. Nothing goes to the model until you open the AI page or send a message.
Can Finman scan receipts automatically?
Yes. With the AI features on, an OpenAI GPT model reads the merchant, total, date and line items from the receipt photo; otherwise text recognition on our server reads the merchant, total and date. Either way you check the fields and save the transaction.
Is my financial data safe in Finman?
Your data is stored in a database on Finman's own server. Passwords are kept only as bcrypt hashes and bank access credentials are encrypted before they are saved. Your data is not sold or shared with advertisers, and the app loads no third-party analytics. The Privacy Policy lists every case where data leaves the server.
How is Finman different from Mint or YNAB?
Mint closed in March 2024. YNAB is a paid zero-based budgeting app. Finman is a web app for phone and desktop that imports bank statement files, sorts transactions with category codes, keywords and your own rules, and builds balance forecasts, debt tracking and net worth from your own data; during the open beta every feature is free. Side by side: Finman vs Mint and Finman vs YNAB.

See this month's money in one picture

Free during the open beta, no credit card. Sign up with email or Google, then import a bank statement file or add transactions by hand.

Create Free Account