Fino
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Personal finance, finally clear.

All your money.
One clear picture.

Connect accounts, track cashflow, understand spending, and ask better questions about your money — all in one place.

Start 7-day trialExplore features
Net worthBank connectionsCashflowReceipts VaultSubscriptionsBudgetsShared expensesLabelsNet worthBank connectionsCashflowReceipts VaultSubscriptionsBudgetsShared expensesLabels
Events calendarFin AITransaction historyAccount overviewDocument vaultSpending trendsMFA securityNet worth trackingEvents calendarFin AITransaction historyAccount overviewDocument vaultSpending trendsMFA securityNet worth tracking
FinoSimplify your financial world
OverviewCashflowSpendingTrends
Net worthCA$220,247
IncomeCA$10,806
ExpenseCA$22,784
Savings rate-111%
Income vs Expense12 months
Top spending categoriesGroceries, house, subscriptions
Cashflow+CA$10,806
Bank syncHealthy

Built to connect the big picture with the details behind it.

33accounts organized13.8ktransactions classified815documents preserved11events tracked

Why it matters

Most people lose thousands every year simply because they can't see the full picture.

Fino connects every account, every dollar, and every pattern — so you stop losing money to things you can't see.

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$624

Avg. annual savings

The typical Fino user recovers over $600/yr by spotting forgotten subscriptions and untracked fees in their first month.

47%

Of adults fly blind

Nearly half of adults have no system for tracking spending. Fino closes that gap with connected accounts and real-time dashboards.

< $0.30

Cost per day

Full financial clarity — net worth, cashflow, AI queries, subscription tracking, budgets — for less than a coffee a week.

Explore the product

A focused view for every question your money raises.

Nine surfaces. Each built around a different question about your money.

FinoSimplify your financial world
OverviewCashflowSpendingTrends
NET WORTH
CA$220,247
CA$12,480 this year
Assets
CA$1,490,112
Liabilities
CA$969,865
Net worth over time12 months
JanMarMayJulSepNov
OverviewCashflowSpendingTrendsLabelsAccounts
Net worthCA$220,247

See the whole picture first.

Net worth, income, expenses, savings rate, and transaction scope sit together so the first read is immediate.

Explore Overview →

Fin AI

Ask real questions. Get answers from your actual data.

Fin AI reads your transactions, receipts, budgets, subscriptions, and events — then gives you specific answers instead of generic financial advice. No hallucinations. No guessing. Just your numbers.

  • Asks about cashflow, spending, trends, and categories
  • Reads and summarises uploaded documents and receipts
  • Surfaces budget variances and subscription changes
  • Works from your Fino data only — not web search
Explore Fin AI
Fin AI

Three changes explain most of it — house expenses rose CA$3,420, two annual subscriptions renewed, and income arrived later than usual.

Answers come from your connected accounts, transactions, and uploaded files — not the web.

Security

Your financial data.
Yours alone.

Fino is built so that no one — not other users, not advertisers, not even us — can see what you see. Every layer is designed for isolation, not just compliance.

Two factors. No bypass.

Every account requires a second factor before any financial data loads. Authenticator apps and SMS both supported. There is no shortcut — not even for password recovery.

  • TOTP authenticator app
  • SMS second factor
  • Required before data loads
  • Reauthentication for sensitive actions
Fino cannot
Sell or share your data
See your bank password
Access other users' records
Bypass your MFA
Multi-factor auth

Two factors. No bypass.

Every account requires a second factor before any financial data loads. Authenticator apps and SMS both supported. There is no shortcut — not even for password recovery.

  • TOTP authenticator app
  • SMS second factor
  • Required before data loads
  • Reauthentication for sensitive actions
Read full security overview →
COSTCOMay 8, 2026 · Toronto, ON

Organic bananasCA$3.49

Coffee beansCA$18.99

Household suppliesCA$42.88

Subtotal CA$169.81Tax CA$15.08Total CA$184.89
Extracted content

Costco receipt

Matched transactionCostco · CA$184.89
CategoryGroceries
PaymentCard ending 5737
TaxCA$15.08

Receipts Vault

No more receipt chaos.
Everything is just there.

Paper receipts get lost. Email receipts get buried. Screenshot folders become useless. Fino gives every receipt a permanent home — right beside the transaction it explains.

No more shoeboxes of paperNo more digging through emailNo more "what was that charge?"

Snap a photo, upload a PDF, or forward a file. Fino reads the merchant, date, total, tax, and every line item — then matches it to the exact transaction in your accounts. The whole thing takes seconds.

1
CapturePhoto, PDF, email forward, or any file format.
2
ExtractMerchant, total, tax, line items — read automatically.
3
MatchLinked to the exact transaction. Always findable.
Explore Receipts Vault

Rules · Labels · Groups

Your money,
organized your way.

Set rules once. Fino labels every transaction automatically — the right category, the right group, every time. No more manual sorting.

Whole Foods Market$84.32
Transaction comes in↓Apply label → "Groceries"
✓ Groceries applied
See how labels work
Rule previewAuto
Whole Foods MarketChecking ···4821
$84.32
Transaction comes in
Apply label → "Groceries"
Groceries applied

Label groups

Groceries
47
Subscriptions
12
Business
23
Dining
31
Travel
8
Privacy first

No ads. No data selling.
No one reading your transactions.

Fino is funded entirely by subscriptions. That means our only job is to make the product better for you — not to monetize your financial life. Your money data stays yours, always.

Zero ads. Ever.

No banner ads, no sponsored results, no ad networks quietly watching you. There is no ad business here — only a subscription.

Your data is never sold.

Your transactions, accounts, balances, and spending patterns are yours. Fino does not sell, trade, or share your financial data with any third party — full stop.

Only you can see it.

No data analyst at Fino is browsing your transactions. Your financial data is encrypted and access-controlled — not used for product analytics, trend reports, or anything else.

Leave anytime, take everything.

Export your full transaction history, documents, and account data at any time. Delete your account in one tap. No lock-in, no hostage data.

How Fino makes money

You pay a subscription. That's it. When you pay for Fino, you are the customer — not the product. Every feature we build is justified by whether it makes your financial life clearer, not by whether it helps us sell ads or data.

Other apps
  • Sell your spending data to lenders
  • Show ads targeted by your transactions
  • Share data with "partners"
  • Build profiles for credit scoring
Fino
  • Subscription-funded only
  • No ad networks, ever
  • No third-party data sharing
  • You can delete everything, any time

Move from scattered to sorted

Start building your clearest financial picture.

Start 7-day trial