Finly

Finly is a private expense tracker and personal finance manager built around active, manual tracking rather than bank-linked automation. Its site frames the product as an AI financial assistant that gives users financial clarity without selling data, and it repeatedly emphasizes that no bank passwords are required.

The app supports voice input, receipt scanning, and manual transaction entry. It presents these as faster than waiting for bank syncs and says users can add as many transactions as they need, with no caps on entries. Finly also lists AI-powered receipt scanning, category prediction, and spending insights, along with personalized insights that help users spend smarter and save more. Additional free tools shown on the site include a tax calculator, Subscription Vampire, and Real Hourly Wage.

Finly says financial data stays under the user’s control and that it never sells or shares information with advertisers or data brokers. It describes its analytics as generated from the user’s own data only and presents privacy as a core part of its approach. The product also includes cloud backup, multi-currency support, CSV export, and priority support. The site mentions a dark mode and compares Finly with several other finance apps, including Monarch Money, YNAB, Rocket Money, Goodbudget, Copilot, Wallet, Pocket, Clear, and Cognito Money.

Delivery is through the App Store and Google Play, and the setup flow shown on the site starts with downloading the app and signing up with an email address. Pricing is centered on Finly Pro, which is described as a single plan with unlimited voice entries, unlimited receipt scans, and unlimited AI insights. The pricing section shows monthly and yearly billing options, a launch deal, and a cancel-anytime policy.