Recurring payments without the fog
Subscriptions and bills stay visible, grouped, and searchable, so monthly spend stops hiding in the background.
FINOSmart budgeting, guided by FINO Coach
FINO
Your smart finance companion for budgets, subscriptions, and spending clarity.
- setup steps
- 0
- budget modes
- 0+
- spend views
- Live
AI-assisted monthly budget drafts
Subscription and bill tracking
Dark mode built into the core experience
Spending overview by category
AI Cloud powered by
Get started in minutes
Four steps to a smarter budget.
1
Sign Up
Create your account in seconds with Google Sign-In. No credit card required.
2
Set Your Income
Enter your monthly income and let FINO draft a smart budget tailored to you.
3
Choose Budget Style
Pick minimalist, balanced, or comfortable — or go fully custom with your own rules.
4
Track & Grow
Monitor spending, hit savings goals, and let FINO Coach guide you each month.
Designed around momentum
From first budget to daily decisions.
FINO keeps the money picture readable: what came in, what is planned, what keeps repeating, and what needs attention next.
Add expenses in seconds
Fast entry, smart categories, and effortless daily tracking. Just tap, type, and categorize — your budget updates instantly.
Log income instantly
Capture salary, deposits, and extra earnings in just a few taps. Your income updates the budget in real time.
See every transaction, always
A complete timeline of income and expenses. Search, filter, and review your full financial history in one place.
Plan smarter budgets with AI
Set monthly limits, track progress, and let FINO auto-draft smart budget suggestions using AI-powered insights.
Practical walkthrough
How every feature works.
Smart DashboardYour financial overview, always current
The dashboard aggregates income, expenses, budget progress, and savings into one screen. It updates instantly when you add a transaction or when a notification is auto-detected — no manual refresh needed.
Auto Transaction DetectionBank notifications → AI parsing → done
When your bank sends a push notification, FINO reads it locally on your device using an on-device AI model. It extracts the amount, merchant, category, and type — then logs the transaction automatically. No data ever leaves your phone.
AI Budget CoachSmart suggestions based on your habits
FINO Coach analyzes your spending patterns each month and generates personalized budget drafts. It identifies where you can save, flags unusual spikes, and sends timely reminders before you overspend — all powered by AI.
Bills & SubscriptionsNever miss a payment again
Add your recurring bills and subscriptions once. FINO tracks due dates, calculates total monthly commitments, and sends advance reminders. Filter by monthly or yearly to see exactly where your recurring money goes.
Analytics & ReportsUnderstand your money patterns
Visualize spending by category, track cash flow trends over days, weeks, or months. Premium users can export detailed PDF reports and CSV spreadsheets for offline analysis or tax purposes.
Net Worth TrackingYour complete financial picture
Add all your assets (bank accounts, investments, property) and liabilities (loans, credit cards). FINO calculates your total net worth and shows how it changes over time with a clear trend line.
FINO Coach keeps the month honest.
The app pairs calm budget surfaces with timely prompts, monthly resets, category progress, and AI-assisted suggestions.
Spending overviewBudget draftsSavings focus
Simple pricing
Start free. Upgrade when you're ready.
Save 44%
Free
$0forever
- Manual transaction entry
- Basic budgets
- Bills & subscription tracking
- CSV export
- On-device FINO AI
- Basic AI transaction parsing (3 free cloud parses/day)
- Basic AI Insights
- Basic analytics
- Net worth tracking
- Guest mode (no sign-in)
- Offline usage
Most popular
Premium
$5.99/month
Google Play pricing
- Everything in Free
- AI Smart Budget
- AI Insights & patterns
- Weekly AI Insights
- Smart Bill Reminders
- Cloud Backup & Sync (Google Drive)
- FINO AI Cloud & Auto mode
- Unlimited AI transaction parsing (Cloud & Local)
- Notification Sync (auto-detect)
- PDF & Excel export
- Advanced analytics
- Priority support
- Premium avatar & badge
Real product screens
Every section is built from the app, not a stock dashboard.
Never miss a bill
Track reminders, due dates, and payments with confidence.
Full transaction history
Review income, expenses, and weekly activity at a glance.
Log income instantly
Capture salary, deposits, and extra earnings in just a few taps.
Cash flow visualization
Break down income sources and spot trends with clear monthly insights.
Deep expense analysis
Monitor monthly expenses, savings rate, and key financial insights.
Income analytics
Monitor income sources, trends, and monthly earnings breakdown.
Smart notifications
Real-time bank notification tracking and auto-categorization.
Budget overview
A clean view of your budget status across all categories.
Expense breakdown
Detailed expense categorization with visual charts.
Savings tracker
Track savings goals and watch your progress grow.
Weekly summary
Get a quick snapshot of your spending each week.
Category insights
Deep dive into spending patterns by category.
Financial health
Overall financial wellness score and recommendations.
Quick actions
Fast access to add transactions, bills, and income.
Monthly report
End-of-month financial summary with key highlights.
What users say
Trusted by people who take their money seriously.
“FINO completely changed how I think about my monthly budget. The AI suggestions are surprisingly accurate.”
“I tried a dozen finance apps before FINO. None of them made budgeting feel this effortless. The auto-detection from notifications is genius.”
“The net worth tracker alone is worth it. I can finally see my full financial picture in one place.”
Common questions
Frequently asked questions.
Is FINO free to use?
Yes! FINO offers a generous free tier with core budgeting features, 3 budget modes, dark mode, and basic FINO Coach access. Premium unlocks advanced features like auto transaction detection, analytics, and net worth tracking.
Is my financial data safe?
Absolutely. FINO uses AES-256 encryption for all data stored on your device. We never store your banking credentials. Auto transaction detection runs entirely on-device using local AI — no data ever leaves your phone.
How does FINO Coach work?
FINO Coach is an AI-powered assistant that analyzes your spending patterns and provides personalized suggestions. It helps you draft monthly budgets, identifies areas where you can save, and sends timely reminders to keep you on track.
What platforms is FINO available on?
FINO is currently available on Android. An iOS version is under active development. Your data syncs securely across devices using encrypted cloud backup.
Can I export my data?
Yes. Premium users can export their transaction history, budgets, and analytics reports in CSV and PDF formats. Free users can export basic transaction data.
How does auto transaction detection work?
FINO reads your bank notification messages locally on your device using an on-device AI model. It extracts transaction details like amount, merchant, and category — all without sending any data to a server. It's 100% private.
What premium features are available?
Premium unlocks AI-powered FINO Coach, auto transaction detection from bank notifications, spending analytics with trend analysis, net worth tracking, data export (CSV/PDF), and priority support.
Start the next month with a cleaner money picture.
Build a smart budget, track recurring spend, and keep the dashboard honest.
FINO is a personal budgeting and expense tracking app. It is not a bank, lender, investment platform, or financial advisor. FINO does not offer loans, trading, credit, or investment services.