Finman is a personal finance web app for people who want to see all their money in one place: accounts in several currencies, budgets, goals, debts, subscriptions and net worth, with a forecast of where the balance is heading. It is in open beta at app.finman.money and is developed by INNOVA CONSULT LTD., a software company in Ottawa, Canada.
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Product status
| Stage | Open beta. Anyone can sign up with email or Google. |
| Where it runs | Web app at app.finman.money: browser on Android, iPhone and desktop, installable to the home screen. Store versions for Google Play and the App Store are not published yet. |
| Plans | Free plan available now. Pro ($9 a month) and Family ($19 a month) are the plans for after the beta, listed on the pricing page; checkout for them is switched off during the beta, so every feature is free now. |
| AI assistant | Runs on an OpenAI GPT model, reached from our server through Finman's own ChatGPT account. Checked 23 October 2026: the chat answers from your own data, and the model writes monthly summaries, spending insights and a savings plan and reads receipt photos. Budgets, accounts and imports work with or without it. |
| Languages | English, Ukrainian and Russian interface. |
What Finman does
- Accounts and transactions by hand, from CSV, OFX or QFX files, or from a connected monobank account.
- Budgets with an envelope (rollover) mode, savings goals and debt payoff plans.
- Subscriptions and recurring payments, including detection of repeating charges in your history.
- Net worth across currencies: each account keeps its own currency and totals convert to your base currency.
- Cash-flow forecast and alerts on unusual spending.
- Family sharing for a household budget, and receipts attached to transactions.
Who it is for
Finman is built for individuals and households, and especially for people whose money lives in more than one country. 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, Finman imports the CSV, OFX or QFX file you download from online banking. Connecting a bank is optional; manual entry and file import cover every feature.
How we treat your data
Passwords are stored only as bcrypt hashes, sessions use signed tokens, and bank access credentials are encrypted before they are written to the database. Your financial data is not sold or shared with advertisers, and the app loads no third-party analytics. The full list of where data goes is in the Privacy Policy.
Company
| Legal name | INNOVA CONSULT LTD. |
| Registration | Federal corporation 1522612-1, incorporated 2023. Verify on Corporations Canada |
| Location | Ottawa, Ontario, Canada |
| Founder | Maksym Stepanenko, founder and director |
| Company site | innovaconsult.ca |
Contact
General questions and partnerships: info@finman.money. Data requests (access, export, deletion): privacy@finman.money.
Where to read more
- All featuresWhat each feature does and what it needs from you
- AI CFOThe chat that answers from your own numbers
- Finman in CanadaStatement import for Canadian banks
- PricingFree in beta; plans for after it
- Finman vs YNABPrice, method and features side by side
- Free calculatorsRent, net worth, debt payoff, emergency fund
Questions about Finman
Who makes Finman?
Is Finman a bank?
Where is my data stored?
Is there a Finman app for Android or iPhone?
How do I contact Finman?
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