All Features
Every tool you need to track, optimize, and grow your finances — all in one app.
AI Intelligence
Checked 23 October 2026The AI CFO chat answers in the live app, along with the monthly summary, spending insights, savings plan and receipt reading.
Your personal AI Chief Financial Officer answers questions about your money. Finman's AI CFO reads your actual transaction history, budget allocations, and financial goals before answering.
Ask it anything: "Where did I overspend this month?", "How long until I can afford a home down payment?", "Which subscription should I cancel first?" — and get data-driven answers in plain English.
Smart Automation
Manual transaction tagging is a chore that kills financial tracking habits. Finman gives every imported transaction a category from the merchant category code (Monobank statements carry one) or from keywords in the description, in English, Ukrainian and Russian.
Your own rules override the guess. Set a rule once and it applies to every new import.
AI vision
Stop typing expense details manually. With the AI features on, an OpenAI GPT model reads the merchant name, total amount, date and line items from a receipt photo and suggests a category. Otherwise text recognition on our server reads the merchant, total and date.
Check the fields and save the transaction. Clear, flat photos read best.
Spending Control
Budgets only work when they're simple to maintain. Finman's budget planner creates category-level spending limits and shows real-time progress throughout the month — no spreadsheet required.
Finman flags a budget once 80% of it is spent or when the current pace will break it before the period ends. Rollover budgets carry what you did not spend into the next period.
Wealth Building
Keep tabs on every investment account in one place. Finman tracks stocks, ETFs, bonds, crypto and other assets, with prices refreshed from free Stooq quotes. See your total portfolio value, allocation breakdown, and performance over any time period.
The FIRE view projects when your portfolio reaches your target, from your monthly contribution and an expected return.
Financial Health
Your net worth — assets minus liabilities — is the single most important number in personal finance. Finman calculates it automatically from your connected accounts and tracks it over time with daily precision.
Watch it grow as you pay down debt and build savings. The historical chart reveals patterns: which months drag your net worth down and which events (bonuses, car purchases, investment gains) drive it up.
Forecasting
What will your bank balance look like in three months? Finman's forecasting engine analyzes your income, recurring bills, spending patterns, and savings rate to project your financial position forward in time.
Use forecasting to catch potential overdrafts before they happen and plan large purchases. Goal and debt forecasts show when each goal is reached and each debt is paid off.
Household Management
Managing household finances is hard when everyone uses different apps or no app at all. Finman's family finance module brings everyone onto the same page while respecting personal financial privacy.
Invite up to 5 family members. Each person has their own private spending view plus access to shared household accounts and budgets. Split shared purchases like groceries or utilities between members.
Mobile
Finman is one web app at app.finman.money. It opens in the browser on Android, iPhone and any computer, with the same features and the same data everywhere. Add it to your home screen and it starts like an app.
Photograph receipts with the phone camera straight from the browser. Transactions you enter offline are kept on the device and sync when the connection returns. Store versions for Google Play and the App Store are not published yet.