AI CFO · Open beta

An AI finance app that answers from your own accounts

Ask Finman's AI CFO where the money went, whether your budgets will hold, or how soon a goal is reachable. It answers from the accounts, budgets, goals, debts and transactions you keep in Finman, and writes a monthly summary and a savings plan. Free during the open beta, no card.

Try the AI CFO free What it reads
$0 in beta OpenAI GPT Off until you open it
A pilot boat leading a small sailing boat along a buoyed channel toward a harbour, drawn like a nautical chart
The pilot knows the channel; you keep the helm.

Short answer

A chat assistant that works on your numbers

AI CFO in 50 words

Finman's AI CFO is the AI assistant inside a personal finance web app. You ask in plain English; Finman adds your accounts, budgets, goals, debts, latest net worth, top spending categories and last 30 transactions, sends them to an OpenAI GPT model through its own server, and shows the answer in your currency and figures.

Ask your first question What an AI CFO is

  • Price now$0 during the open beta. After it, the AI CFO chat is part of Pro, planned at $9 a month (pricing).
  • ModelOpenAI GPT, reached from Finman's server through Finman's own ChatGPT account.
  • Data sentOnly after you open the AI page, send a message or press an AI button.
  • DevicesAny browser on Android, iPhone or desktop; installs to the home screen.

On the AI page

Six tools, one set of numbers

Every tool reads the same records you keep in Finman. The more months you import, the more each answer has to work with.

Where did I overspend this month?

How long until I can afford a home down payment?

Which subscription should I cancel first?

Typical questions, as listed on the features page.

  1. 01

    Chat with follow-ups

    Type a question and keep going. The conversation keeps its last 20 messages, so a follow-up such as and last month? stays in context. Suggested starters in the app: Where did most of my money go this month?, How can I save more next month?, Am I on track with my budgets?, What will my balance look like next month?

  2. 02

    Monthly summary

    Pick a month and get its money story: income, spending, net result and the top category, written out in plain language. Use it at the end of each month as a one-screen review.

  3. 03

    Spending insights

    An analysis of recent spending: income, spending and savings for the period, the budgets you are over, and the three biggest opportunities to save, named by your own categories.

  4. 04

    My plan (savings plan)

    A monthly plan built on your recent income and spending: a savings target of 20% of income, or your current rate if it is already higher; two or three categories to trim with a new target each; how much per month each goal needs to hit its date; the order to pay debts; and the three actions that matter most this month.

  5. 05

    What if

    Cut a category by a percentage, add an extra amount to save each month, and compare the scenario with today: money freed per month, new savings rate, and how many months sooner each goal is reached.

  6. 06

    Auto-categorize

    Suggests categories for uncategorized transactions, up to 50 at a time. You tick the ones you agree with and apply them; the rest stay as they were.

What it reads

From your question to an answer in your figures

The model sees a short summary of your finances along with the question, and the answer comes back to the same chat. Receipt photos take a separate path: with AI on, the model reads the merchant, total, date and line items for you to check.

  1. 01 →You askA question in the chat, or one of the buttons: monthly summary, insights, my plan, what if.
  2. 02 →Finman adds contextAccounts, budgets, goals, debts, latest net worth, top 8 spending categories, last 30 transactions.
  3. 03 →Model on Finman's serverOpenAI GPT via Finman's ChatGPT account. Your browser never talks to OpenAI.
  4. 04Answer you checkIn your currency and categories. The app notes that AI can make mistakes.
The shaded step is the only point where data leaves Finman's server, and only after you use an AI feature.

Privacy

When your numbers go to the model, and when they stay put

Taken from the privacy policy. More detail: is my financial data private with AI.

SituationWhat happens
You never open the AI pageNothing is sent to any AI provider. Dashboard summaries use plain arithmetic on your numbers.
You chat or press an AI buttonYour messages and the figures needed for the answer go to OpenAI, which handles them under its own terms.
You scan a receipt with AI onThe receipt image goes to the model; you check the fields before saving.
Everything elseStored in a SQLite database on Finman's own server, with no advertising trackers in the app and nothing sold.

AI financial advisor app?

What to hand the AI CFO and what to keep for a professional

Use it for

Day-to-day money decisions that live in your own records: where spending drifted, which budget will break before the month ends, how much a goal needs each month, which debt to pay first, what a 20% cut in one category would free up. A licensed advisor is the right call for investment selection, taxes, insurance and legal questions.

Try it on your numbers Advisor or app: checklist

  • Set upSign up with email or Google, then import a CSV, OFX or QFX statement or add transactions by hand.
  • First answerAs soon as there are transactions in your account; budgets and goals make the plan more specific.
  • LanguagesThe app runs in English, Ukrainian and Russian.

FAQ

AI CFO questions

Comparing tools? Read best AI finance apps or can AI manage my money.

What does an AI finance app do?
It answers questions about your money from your own records. In Finman the AI CFO reads your accounts, budgets, goals, debts, latest net worth, top spending categories and last 30 transactions, then explains where the money went, whether budgets are on track, and what to change. It also writes a monthly summary and a savings plan.
Is Finman's AI CFO free?
Yes, during the open beta every Finman feature is free, the AI CFO included, and no card is asked for. After the beta the AI CFO chat is part of Pro (the AI finance assistant), planned at $9 a month.
Which AI model does the AI CFO use?
An OpenAI GPT model. Finman's server reaches it through Finman's own ChatGPT account; your browser never talks to OpenAI directly. The app can also run Google Gemini, other OpenAI-compatible providers or Ollama, chosen in the server configuration.
Is my financial data sent to OpenAI?
Only when you use the AI features: opening the AI page, sending a chat message or pressing one of its buttons. Then the messages and the figures needed for the answer go to the provider, which handles them under its own terms. If you never use the AI features, none of your data goes to an AI provider.
Is the AI CFO a financial advisor?
It is a chat assistant inside a budgeting app. It works with your budgets, cash flow, goals and debts and can suggest where to cut and what to pay first. For investment selection, taxes or legal questions, use a licensed professional. The app itself reminds you that AI can make mistakes and that important numbers need checking.
Does the AI CFO need my bank login?
No. Finman gets transactions from CSV, OFX or QFX files you download from your online banking, from monobank by a personal API token, or from manual entry. The AI CFO reads what is already in your Finman account.
Can I use the AI CFO on my phone?
Yes. Finman is a web app at app.finman.money that opens in the browser on Android, iPhone and desktop and can be added to the home screen. Store versions for Google Play and the App Store are not published yet.

Ask your money a question

Free during the open beta, no credit card. Import a bank statement file or add a few transactions, then open the AI page.

Try the AI CFO free