No typing. No logins. No cloud. fin reads the bank alerts already on your phone and builds your spending ledger for you, as it happens, privately.
Most of us don't overspend on purpose. We just can't see it happening. fin is for everyone who means to keep track and never quite does. It quietly does the bookkeeping, keeps it on your phone, and shows you where your money actually went, so you can decide where it goes next.
Every time you pay, fin logs it for you, seconds after your bank's SMS or notification arrives: merchant, category, card and time. No typing, no receipts, no bank logins. It reads alerts from banks around the world, in any currency, and if one is ever missed you can add its sender in Settings.
Your spending, laid out as the days you lived it. Each day gets one card showing what it cost, what it went on and its three biggest spends, so the expensive days jump out at a glance. Tap one to replay the day as it happened. Morning regret reflection.
Every card pays differently: a rate per category, caps, minimum spends, reset days. Set the rules once and fin works out the cashback on every purchase, across every card. You see what you've earned, what's still waiting on a minimum spend, and which cards are maxed, so you know where your next purchase earns the most. A nudge arrives while there's still time to hit a target, and a reminder on the day the cashback pays out.
fin finds your subscriptions on its own, straight from your bank alerts, and reminds you three days before each one renews, with time to cancel. Bills get the same heads-up before they're due, so nothing charges you by surprise.
It reads your bank alerts the moment they arrive: effortlessly, accurately, and entirely on your phone. No AI guessing. No cloud processing. Just precise rules, refined every day for over a year against real cards, real accounts and real money. And it keeps getting better.
That's the difference. Other apps send your data away to be interpreted. fin understands it right where it lands.
fin was built because no app could keep your books automatically without taking your data with it. So fin never asks for your bank login, never creates an account, and never sends your transactions anywhere. There's no server to hack, nothing to sell, and nobody watching. Not even us. Your backups are encrypted with AES-256 and go only where you put them. Delete the app, and every trace goes with it.
Then a simple monthly or yearly plan. Your data is always yours to export, whether you subscribe or not.