Finly: Budget Expense Tracker
Log Spending by Voice or Scan
Only for iPhone
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
iPhone
Track every dollar without linking a single bank account.
Most budgeting apps demand access to your bank login. They sync your accounts, store your credentials, and share your financial data with third parties. Finly does none of that. Finly is the only AI-powered budget tracker and expense planner built entirely around your privacy - no bank connections, no credential storage, no sharing of your personal financial records with third parties. Your financial life stays yours.
"The voice logging is a game changer. I'm always on the subway or in the car and just being able to say what I spent without typing it out is so convenient." - Mark, App Store, 5 stars
TRACK EXPENSES BY VOICE
Open Finly and just say it. Finly's AI understands natural language and logs your expense instantly - category, amount, and note included. No typing, no menus, no friction. Whether you are at a coffee shop or stepping out of an Uber, your expense is logged before you put your phone away.
IMPORT YOUR BANK STATEMENTS
No bank password needed. Download a PDF or CSV statement from your bank's website - the same way you would to file your taxes - and upload it to Finly. The AI reads, categorizes, and organizes every transaction automatically. Works with any bank in the world: Chase, Bank of America, Wells Fargo, HSBC, Barclays, TD Bank, local credit unions - if your bank produces a statement, Finly can read it.
UNDERSTAND WHERE YOUR MONEY GOES
See exactly where every dollar goes with clear spending breakdowns by category. Finly generates monthly summaries and week-over-week trend charts so you can spot patterns over time. When did your grocery spending spike? What subscriptions are silently draining your budget? Finly answers all of it with zero bank access required.
BUILD BUDGETS THAT ACTUALLY WORK
Create spending limits by category and get notified before you overspend - not after. Most people fail at budgeting because they only find out at month end. Finly's real-time tracking means you know your status today. Set a grocery budget, a dining budget, an entertainment budget. Finly shows you exactly how much runway you have left in each.
SNAP RECEIPTS INSTANTLY
See a receipt? Take a photo. Finly's AI reads the merchant, date, and total and logs it automatically. No manual entry, no forgetting what you spent. Works for restaurants, retail, pharmacies, gas stations - any receipt you receive.
BUILT FOR BANK-LEVEL PRIVACY
Zero bank connections means zero exposure. Your financial data is never sold. Your credentials are never stored. No third-party financial aggregator ever touches your private records. You get all the power of a modern AI finance app with none of the privacy risks of bank-connected alternatives.
MORE FEATURES
- AI spending insights that surface unusual patterns and savings opportunities
- Currency conversion for travelers and people with international income
- Shareable milestone cards for paying off debt or hitting savings goals
- Category customization so your budget reflects how you actually live
- Manual transaction logging for cash and in-person payments
- Subscription tracker to catch recurring charges you may have forgotten
WHO FINLY IS FOR
Finly is for anyone who wants to manage money without surrendering privacy. For people who pay with cash. For freelancers managing income from multiple sources. For anyone burned by data breaches who refuses to hand banking credentials to a third-party app. For anyone who tried Mint, YNAB, or Rocket Money and thought: why does this need my bank password just to help me budget?
Finly works differently. Always has.
Download Finly today and take back control of your money.
Privacy Policy: https://heyfinly.ai/privacy
Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Optimized for the all-new iOS 27! We’ve revamped your onboarding experience based on your feedback to get you up and running faster than ever.
The developer, R.S Digital Labs, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
- Identifiers
Data Linked to You
The following data may be collected and linked to your identity:
- Purchases
- Financial Info
- Contact Info
- Identifiers
- Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Raffay LLC
- Size
- 83 MB
- Category
- Finance
- Compatibility
Requires iOS 17.0 or later.
- iPhone
Requires iOS 17.0 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
16+
- 16+
- In-App Purchases
Yes
- Finly Premium Monthly $4.99
- Finly Premium Yearly $34.99
- Finly Premium Lifetime $9.99
- Copyright
- © 2026 Raffay LLC. Alle Rechte vorbehalten. Finly AI™ ist eine eingetragene Marke.