AI-powered financial insights

The budget planner that thinks with you.

Smarter budgeting. Clearer financial insights. Better decisions. Finrayan turns your everyday numbers into personalized guidance — not just another place to log receipts.

Start free · Upgrade to Premium anytime · Your data stays yours

Today's insight
Live
You're on track for a 22% savings rate this month
That's $340 above your average. Moving $200 to your emergency fund keeps momentum without hurting cash flow.
Cash flow
+$1,540
Goal progress
68%
Bills due
3 · $412
What you'll see

Every screen answers "what does this mean for me?"

Not raw numbers. Real patterns, opportunities, and next steps — derived from your own data.

AI Financial Insights

Daily, personalized guidance that spots trends before they cost you.

Subscriptions up 18% vs. last month
Grocery spending trending down 12%
Budget Tracking

Planned vs. actual across every category — with early over-budget alerts.

Groceries62%
Dining78%
Transport55%
Goal Progress

See months-to-goal update as your savings and income change.

Emergency fund$6,800 / $10k
On track by Aug 2026
Savings Growth

Watch your net savings compound month over month.

Net savings+$4,240
Expense Analysis

Category breakdowns that surface where your money actually goes.

Rent
42%
Food
18%
Transport
12%
Other
8%
Monthly Financial Reports

A calm, one-page recap of wins, misses, and the one thing to do next.

November recap
Saved 24% of income
Best month this year. Try locking in a $150 auto-transfer.
Why Finrayan

A budget planner shouldn't just record. It should think.

Most apps are ledgers. Finrayan is a coach. Every number you enter becomes a signal we use to help you decide what to do next.

Discover personalized insights
Not generic tips. Patterns and opportunities specific to your money.
Understand your spending habits
See the story behind categories — where you drift and where you thrive.
Build healthier routines
Weekly check-ins, streaks, and small wins that compound.
Stay motivated with progress
Celebrate milestones. See how far you've come every session.
Smarter decisions
Intelligent guidance for goals, debt, and forecasts — grounded in your data.
Move forward, always
Leave every session with at least one actionable next step.
Built on trust

Your financial data belongs to you — always.

Privacy-first
No selling, no ads, no third-party trackers on your data.
Secure by design
Encrypted storage and modern auth. Google & Apple sign-in supported.
You're in control
Export or delete your data anytime, no hoops.
No clutter
Just what matters. Nothing bloated, nothing pushy.
Simple, honest pricing

One plan that thinks with you.

Start free and get the essentials. Upgrade to Premium and unlock the AI coach, forecasts, and advanced insights — with a 3-day free trial.

Free
$0/ forever start

Everything you need to get organized and see where your money goes.

  • Income, expenses, bills, subscriptions
  • Savings, goals, and debt tracker
  • Health score & personalized insights
  • Streaks and progress badges
  • Google & Apple sign-in
Most popular
Premium
$4.99/ month

or $49.99/year — save ~17%

Includes a 3-day free trial. Cancel anytime.

  • AI Financial Coach — chat with your money
  • Forecasts & 6-month roadmap projections
  • Advanced analytics & pattern detection
  • AI daily briefing, weekly check-in & monthly recap
  • Decision simulator & money personality
  • Proactive risk alerts & smart notifications
  • Everything in Free, unlocked further

No charge for 3 days. We'll email before your trial ends.

Compare features
Free
Premium
Income, expenses, bills & subscriptions
Savings, goals & debt tracker
Financial health score
Personalized static insights
Achievements & streaks
AI Financial Coach (chat)
Forecasts & projection engine
Advanced analytics & pattern alerts
AI daily briefing & weekly check-in
Monthly recap & decision simulator
Money personality & mentor insights
Priority email support

Prices in USD. Cancel Premium in one click from Settings → Subscription. You keep Premium until the end of the current billing period.

Before you sign up

Answers to the things people ask first.

Is Finrayan really private?+

Yes. Your entries live in your own account, aren't sold, aren't shared with advertisers, and never power third-party trackers. See our Privacy Policy for the details.

Do I need to connect my bank?+

No. Finrayan works entirely from what you enter — income, expenses, bills, goals, savings, debts. You stay in control of what the app knows.

How is my data secured?+

Data is transmitted over HTTPS/TLS and access is scoped per user, so only your account can read your rows. You can sign in with Google or Apple for stronger account security.

Is it free to start?+

Yes — you can start free and use the core planner right away. Premium unlocks the AI coach, forecasts, and advanced insights, with a 3-day free trial. Cancel anytime.

Can I cancel Premium anytime?+

Yes. Cancel from Settings → Subscription in one click. You'll keep Premium until the end of the current billing period.

Can I delete my account and data?+

Yes. Settings → Delete my data permanently removes your account and every financial record tied to it. No emails, no hoops.

Start thinking with your money.

Start free in under a minute. Upgrade to Premium when you're ready for AI insights that make every dollar smarter.