Features
Everything in here, and what each part won't do
Every account, every bill and every debt in one place. Each section below ends with what that part will not do, on purpose.
The illustrations on this page are rendered from sample data by the app's own components. Every figure is an example.
- Bank sync by Plaid
- Apple Card from Apple Wallet
- Encrypted in transit and at rest
- Two-factor sign-in
- Export or delete any time
- iPhone, Android and web
Debt payoff
Every card and loan on one timeline, with a date at the end of it. Snowball and avalanche side by side on your actual balances, extra payments that roll into the next debt as each one clears, and a warning when a payment can't cover its own interest.
Cards and loans are treated differently, because they behave differently: a card's minimum is estimated month by month with the common issuer formula (1% of the balance plus that month's interest, at least $25), and a loan is asked what you pay. A promotional APR can carry an end date, and the plan switches to the regular rate on that date; deferred interest isn't modelled.
How it works in detailPayoff plan
Sample dataDebt-free
Jul 2033
81 months · 177 months sooner
Total interest
$55,155
Saved vs. minimums only
$53,699
Avalanche · $300 extra a month · 13 debts
Debt list, in payoff order
| Payoff order | Debt | Balance | APR | Paid off |
|---|---|---|---|---|
| 1 | Store card29.24% | $1,850 | 29.24% | Apr 2027 |
| 2 | Gas card27.99% | $740 | 27.99% | Jun 2027 |
| 3 | Airline card26.49% | $4,120 | 26.49% | Jan 2028 |
| 4 | Retail Visa25.74% | $1,310 | 25.74% | Mar 2028 |
| 5 | Medical bill0% | $1,180 | 0% | Jun 2028 |
| 6 | Rewards Visa24.99% | $6,240 | 24.99% | Oct 2028 |
| 7 | Cash-back card22.74% | $2,960 | 22.74% | Dec 2028 |
| 8 | Balance-transfer card18.24% | $5,400 | 18.24% | May 2029 |
| 9 | Personal loan11.9% | $7,500 | 11.9% | Jun 2029 |
| 10 | Private student loan8.9% | $9,800 | 8.9% | Nov 2029 |
| 11 | Car loan7.4% | $14,200 | 7.4% | Dec 2029 |
| 12 | Mortgage5.75% | $148,500 | 5.75% | May 2033 |
| 13 | Federal student loan5.5% | $21,300 | 5.5% | Jul 2033 |
Budget on real dates
Built on your pay dates and due dates rather than a calendar month, so the question it answers is what's left before the next paycheck, not what's left in September. Annual expenses and sinking funds sit alongside the monthly ones, so the insurance bill in March stops being a surprise.
How it works in detailThis pay period
Next paycheck in 5 daysSpending that sorts itself
Transactions arrive categorized, and your rules keep them that way. Anything the rules can't place goes to a review queue instead of into a wrong category quietly. Recurring charges are detected and listed, including the ones you've forgotten.
How it works in detailReview queue
3 to review- -$52.30
Shell
SHELL OIL 57442918
Suggested: GasApproveChangeRule: Shell → Gas - -$6.75
Blue Bottle
SQ *BLUE BOTTLE COFFEE
Suggested: CoffeeApproveChange - -$48.19
Amazon
AMZN Mktp US*2K4L9
Suggested: HouseholdApproveChange
Net worth, recorded daily
Assets and debts every day rather than a monthly snapshot, with milestones on the way to a goal. Synced brokerage and retirement accounts show their holdings: shares, price, value and gain against what you paid. There is no performance or allocation analysis, so if you want portfolio tools, use something else alongside this.
How it works in detailNet worth
Recorded daily · last 30 days$48,210
+$1,140 this month
Assets $78,410 · Debts $30,200
Your household
Owner, member and viewer roles on every plan: up to three people who can edit, plus as many view-only members as you like. Each member's bank connections feed one picture, so a couple sees one payoff date instead of two halves of one.
How it works in detailMembers
- AlexOwner
- JordanMember
- SamViewer
Comment on a transaction
Jordan: That was the vet, not groceries. I moved it.
Ask Claude, ChatGPT or Cursor
Connect the assistant you already use and ask about your own numbers in plain language. My AI Fin App does the arithmetic and hands over the result; the assistant explains it. Read-only, no payment or transfer tools, revoke whenever you like.
This is the only part of the app where anything outside it sees your data, and it only happens when you connect it.
Assistant
Connected · read-onlyYou
If I put an extra $150 a month on the Visa, when is it gone?October 2028. At $150 a month on top of the minimum, the Rewards Visa ($6,240 at 24.99% APR) is gone in 24 months instead of 258 at the minimum alone, and you pay $1,689 in interest instead of $11,860.
Figures from My AI Fin App · read-only
The plumbing
Two-factor authentication enforced in the database, not just at the sign-in screen. Sign-in history and active sessions. Hide every balance with one tap. Export everything as JSON and CSV. Delete your account from settings: it's a button, not a support ticket. English, Spanish and French, light and dark, installs on your phone.
Settings
Two-factor authentication
Enforced in the database
Active sessions
2 active · sign-in history kept
Hide balances
One tap, every screen
Export everything
JSON and CSV
Delete account
A button, not a support ticket
Language
English, Spanish, French
Theme
Light and dark
Install on your phone
iPhone, Android, or the web
Fifteen minutes to the full picture.
Everything above is free if you type it in. Bank connections and assistant access are Pro, which is free during early access.
No credit card. No ads. Your data is never sold. Pro is free during early access.