Budgets · Open beta

Free budget app for your phone and desktop

Set a spending limit for each category, bring transactions in from a bank file or type them in, and Finman flags a budget at 80% spent or when your pace will break it. Every feature is free during the open beta, and the Free plan stays at $0 after it.

Start budgeting free What stays free
$0 now No card Android · iPhone · desktop
Nautical chart of a harbour split into five mooring lanes, a blank envelope floating in each, one lane marked shallow
Five budget lanes, one running shallow: the flag comes before the money runs out.

Is it really free?

What you get for $0 today

Short answer

Finman is a budgeting web app that is free during its open beta: budgets, bank file import, savings goals, debts, net worth, the cash-flow forecast and the AI CFO chat cost $0, and no card is asked for. After the beta the Free plan stays at $0 with accounts and transactions, budgets and goals, and CSV import.

Start budgeting free Plans and prices

  • Price$0 for every feature while Finman is in open beta.
  • CardNot asked for. Online payment is switched off during the beta.
  • Sign-upAn email address or a Google account.
  • DevicesThe browser on Android, iPhone and desktop, with the same data everywhere; add it to the home screen and it starts like an app.
  • Your dataStored on Finman's own server, not sold or shared with advertisers. Export it any time as CSV or a full JSON backup.

What is included

A budget that warns you before the month runs out

Each part below is switched on for every account during the open beta. The full list of features is on the features page.

  1. 01

    A limit for each category

    Groceries, rent, transport, eating out: give each category its own limit. Periods can be monthly, weekly or custom, and a household can share one budget.

  2. 02

    A flag at 80% or on pace

    Finman flags a budget once 80% of it is spent, or earlier, when the current pace of spending will break it before the period ends.

  3. 03

    Envelope mode

    Tick Roll over the remainder on a budget and it works like a cash envelope: what you did not spend is added to the next period's limit, and an overspend is taken off it. A short guide: envelope budgeting method.

  4. 04

    Roll forward in one click

    When a period ends, one Roll forward click closes it for every envelope budget, so a quiet month pays for a busy one.

  5. 05

    Categories with your own rules

    Imported transactions get a category from the merchant code or keywords in the description. Whatever lands in Other, your own rules sort with one Apply rules click.

  6. 06

    Entries offline

    Type a purchase in at the till with no signal; it is kept on the phone and syncs when the connection returns.

Now and after the beta

What is free today, and what the Free plan keeps

The right-hand column is the Free plan from the app’s plan list for after the open beta. Pro is planned at $9 a month and Family at $19 a month; payments are not switched on yet. The end date of the beta is not published.

FeatureOpen beta, nowFree plan after the beta
Accounts and transactionsIncludedIncluded
Budgets and goalsEnvelope (rollover) mode tooIncluded
CSV importCSV, OFX and QFXIncluded
Web app for phone and desktopIncludedIncluded
AI CFO chat (AI finance assistant)IncludedPro
Bank syncIncludedPro
Anomaly detectionIncludedPro
Family sharing, up to 5 peopleIncludedFamily

Plans after the beta, from the app’s plan list and the pricing page. During the beta every feature costs $0, including the forecast, receipt scanning, the subscription detector, debts and net worth.

From sign-up to the first flag

Five steps to a working budget

The first evening is mostly step 2: bringing a month of transactions in. After that, new spending either arrives with the next statement file or is typed in as it happens.

  1. 01 →Sign upEmail or Google. No card, no trial clock.
  2. 02 →Bring money inA CSV, OFX or QFX file from online banking, a monobank token, or manual entry.
  3. 03 →SortA category from the merchant code or keywords; your rules sort the rest.
  4. 04 →Set limitsPer category; monthly, weekly or custom; envelope mode to carry leftovers over.
  5. 05Get the flagAt 80% spent, or when the pace will break the limit before the period ends.
How a Finman budget works, from sign-up to the first alert.

Best free budget app?

Five questions to ask any free budget app

The best free budget app is the one you keep opening. These questions sort that out quickly; the answers are Finman's. A wider comparison: best free budgeting apps.

  1. 01

    A free plan or a free trial?

    A trial ends and asks for a card. Finman has a Free plan that stays at $0 after the beta, and during the beta every feature is free with no card on file.

  2. 02

    Does it want your bank password?

    Finman imports the CSV, OFX or QFX file you download from online banking and does not connect to RBC, TD, Scotiabank, BMO, CIBC and the other Canadian banks it reads. monobank connects with a personal API token. More on this in budgeting app without a bank login.

  3. 03

    Does it run on your phone and your computer?

    Finman is one web app at app.finman.money for Android, iPhone and desktop browsers. Store versions for Google Play and the App Store are not published yet.

  4. 04

    Can you take your data with you?

    Yes: an export of all your data as CSV, a transactions CSV, and a full JSON backup that can be restored.

  5. 05

    How does the app pay for itself?

    Through the Pro and Family plans after the beta. Your data is not sold or shared with advertisers, and the app loads no third-party analytics. Details: privacy policy.

FAQ

Questions about the free plan

Prices and plans in one place: Finman pricing.

Is Finman a free budget app?
Yes. During the open beta every feature is free, including budgets, bank file import, the forecast and the AI CFO chat, and no card is asked for. After the beta the Free plan stays at $0 with accounts and transactions, budgets and goals, and CSV import.
Do I need a credit card to sign up?
No. You sign up with an email address or a Google account. Online payment is not connected during the beta, so there is nowhere to enter a card.
What stays free after the open beta?
The Free plan at $0 a month: accounts and transactions, budgets and goals, and CSV import, in the web app for phone and desktop. Pro ($9 a month) and Family ($19 a month) are the paid plans. The end date of the beta is not published yet.
Is there a free budget app that does not link to my bank?
Finman works without a bank login. You import the CSV, OFX or QFX file you download from online banking, or type transactions in by hand; manual entry covers every feature. Only monobank connects directly, with a personal API token you choose to add.
Does the free budget app work on iPhone and Android?
Yes, in the phone's browser at app.finman.money, with the same data as on your computer. You can add it to the home screen and keep entering transactions offline. Store versions for Google Play and the App Store are not published yet.
Can I do envelope budgeting for free?
During the open beta, yes: envelope mode carries what you did not spend in a category into the next period and takes an overspend off the next period's limit. For after the beta, the app lists budgets and goals in the Free plan.
What is the best free budget app?
It depends on how you budget. If you want category limits with early warnings, bank file import with no bank password, and the same app on phone and desktop at $0, Finman covers that during the beta. Our comparison of free budgeting apps lists other options and what each one leaves out.

Your first budget, at $0

Free during the open beta, no credit card. Sign up with email or Google, import a statement file or type a few purchases in, then set a limit for each category.

Create Free Account