Finly: Private Expense Tracker icon
Finly: Private Expense Tracker icon

Finly: Private Expense Tracker

AI-powered expense tracker that imports bank statements from PDFs and CSVs, detects subscription creep, spots spending spikes, and tells you exactly where to cut, without linking your bank account.

Complete financial picture at a glance. Total balance, monthly income vs expenses, Financial Health Score, and spending breakdown, all on one home screen.
Log transactions hands-free. Speak naturally like "50 bucks for petrol and $12 for coffee on my debit card yesterday" and Finly AI extracts every detail automatically.
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Upload any bank PDF or CSV and Finly AI categorizes every transaction and flags recurring bills for auto-tracking. No bank login required.

Cost / License

  • Freemium (Subscription)
  • Proprietary

Application type

Platforms

  • iPhone
  • iPad
  • Android
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Features

Properties

  1.  Privacy focused
  2.  AI-Powered

Features

  1.  Import CSV Data
  2.  End-to-End Encryption
  3.  Dark Mode
  4.  No Tracking
  5.  Ad-free
  6.  Cash Flow Analysis
  7.  Currency Conversion
  8.  Support for multiple currencies
  9.  Cloud Sync
  10.  Goal Tracking
  11.  Financial Planning
  12.  Expense Tracking

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Business & Commerce, Office & Productivity, Security & Privacy

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  •   Updated 
  •   5 avg rating
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Official Links

AppStores & Other Links

Download from Google Play Store
Download from iPhone App Store

What is Finly: Private Expense Tracker?

Finly is a privacy-first, AI-native expense tracker for iOS and Android. Unlike Mint (discontinued), YNAB (complex, US-focused), or Copilot and Monarch Money (US-only), Finly is built for a global audience with support for 150+ currencies and real-time exchange rates.

What makes Finly different:

No bank linking is required. Instead, you upload a PDF or CSV bank statement and Finly's AI extracts, categorizes, and imports your transactions automatically — detecting recurring charges and subscriptions in the process.

Core features:

  • Voice transaction logging — speak a transaction and it's categorized instantly
  • PDF and CSV bank statement import with AI-assisted auto-categorization
  • AI chat assistant — ask questions about your spending in plain language, get answers with embedded charts
  • Proactive daily insights: subscription price increases, spending spikes, payday splurge patterns, and actionable savings estimates with exact dollar amounts
  • Financial Health Score (0–100) measuring savings rate, budget adherence, and consistency over time
  • Receipt scanning — photograph a receipt and AI extracts the details
  • Recurring transaction engine with automatic scheduling
  • Budget alerts via push notifications
  • Streak and XP system to build consistent tracking habits
  • Biometric login (Face ID / Fingerprint)
  • Export transactions to CSV
  • Privacy: AI processing is stateless — no data is stored or used for model training. All AI features can be disabled with a single toggle.

Free tier includes limited AI queries, limits on imported transactions per statement, and categories. Premium unlocks unlimited AI chat, unlimited imports, full analytics, conversation history, and advanced Financial Health Score.