Finman features, from budgets to an AI CFO

AI assistant

AI CFO Chat

Ask questions about your money in plain English and get answers built from your own accounts, budgets, goals, debts and recent transactions. The chat runs on an OpenAI GPT model that Finman's server reaches through Finman's own ChatGPT account.

Typical questions: "Where did I overspend this month?", "How long until I can afford a home down payment?", "Which subscription should I cancel first?"

• Answers from your real figures, with follow-up questions
• Monthly summary, spending insights and a savings plan written by the same model
• Nothing goes to the model until you open the AI page or send a message

Getting data in

Bank Statement Import

Download a CSV, OFX or QFX file in your online banking and import it. Finman reads files from RBC Royal Bank, TD Canada Trust, Scotiabank, BMO, CIBC, Tangerine, Wealthsimple Cash, EQ Bank, Revolut and Wise. monobank connects directly with a personal API token.

Prefer to keep banks out of it? Manual entry works for every feature, and each account keeps its own currency.

• CSV, OFX and QFX statement files
• monobank direct connection
• Manual entry, also offline

Automation

Auto-Categorize Transactions

Every imported transaction gets a category from the merchant category code (monobank statements carry one) or from keywords in the description, in English, Ukrainian and Russian.

Rows the guess leaves in Other go to your own rules: set a rule once, then one Apply rules click sorts every uncategorized expense it matches.

• Categories from merchant codes and keywords
• Custom categories and rules
• Apply rules sorts what is left in Other

Receipts

Receipt Scanning

Photograph a receipt with the phone camera. With the AI features on, an OpenAI GPT model reads the merchant, total, date and line items and suggests a category. Otherwise text recognition on Finman's server reads the merchant, total and date.

You check the fields and save the transaction. Clear, flat photos read best.

• Any phone camera, from the browser
• Merchant, total, date and line items
• Suggested category

Spending control

Budget Planner

Set spending limits per category and watch progress through the month. Finman flags a budget once 80% of it is spent or when the current pace will break it before the period ends.

In envelope mode, what you did not spend in a category carries into the next period and an overspend comes off the next limit.

• Monthly, weekly or custom periods
• Per-category and household budgets
• Alerts at 80% and on overspending pace
• Envelope (rollover) mode

Saving

Savings Goals

Name a goal (vacation, emergency fund, down payment), set the amount and the date. The goal card shows what is saved and what is left; on the AI page, My plan works out how much each goal needs per month, and What if shows how many months sooner it is reached if you save more.

Debt

Debt Payoff Tracking

Enter each debt with its balance and interest rate: credit cards, loans, a mortgage, or money someone owes you. Log payments as you make them; Finman keeps the remaining balance and progress of every debt and flags one still open after its target date.

Recurring

Subscription Tracker

Finman looks for charges that repeat in your transactions and lists the subscriptions behind them, including ones you may have forgotten. Recurring payments are tracked with their next due dates.

Wealth

Investment Tracker

Keep every investment account in one place. Finman tracks stocks, ETFs, bonds, crypto and other assets, with prices refreshed from free Stooq quotes, and shows portfolio value and allocation.

The FIRE view projects when your portfolio reaches your target, from your monthly contribution and an expected return.

Financial health

Net Worth Dashboard

Net worth is assets minus liabilities. Finman adds up the accounts, investments and assets you keep in it and subtracts your debts. Each account keeps its own currency and totals convert to your base currency.

Snapshots build a history chart, so you can see which months pulled the number down and which pushed it up.

Forecasting

Financial Forecasting

What will your balance look like in three months? Finman projects it 7, 30 or 90 days ahead from the last 90 days of income, spending and recurring payments, so a short month shows up before it arrives.

Scheduled recurring payments sit on their due dates in the forecast, so a large bill shows up in the line before it is paid.

Household

Family Finance

Invite family members into shared household accounts and budgets. Each person keeps a private spending view, and shared purchases like groceries or utilities can be split between members. The Family plan covers up to 5 members.

Devices

On your phone and your desktop

Finman is one web app at app.finman.money. It opens in the browser on Android, iPhone and any computer, with the same data everywhere. Add it to your home screen and it starts like an app.

Transactions you enter offline are kept on the device and sync when the connection returns. Store versions for Google Play and the App Store are not published yet.