$0 forever
You add it. Fino organizes and watches.
- Manual accounts, budgets, goals, and events
- 3 statement imports / month
- Unlimited labels and rules
- Subscription tracker and renewal calendar
- Budget and due-date alerts
- Fino AI
- 1 GB vault
FinoGet startedPricing
Know where your money goes.
For less than a coffee a week.
Most people lose thousands every year to forgotten subscriptions, untracked fees, and spending they never saw coming. Start free and see the whole picture — then upgrade when you want Fino doing the collecting for you.
Free plan, no credit card requiredCancel any timeBank-level security
The cost of not knowing
Flying blind is expensive.
Financial clarity isn't a luxury — it's what separates people who build wealth from people who wonder where it went.
$624
Average annual loss
The typical household loses over $600/yr to unused subscriptions they forgot they signed up for.
C+R Research, 202247%
Don't track spending
Nearly half of adults have no system for tracking monthly spending — leaving them financially blind.
NFCC Financial Literacy Survey3×
Unexpected fee exposure
People without financial tracking tools are 3× more likely to incur avoidable overdraft and late fees.
Consumer Financial Protection Bureau$10k+
Hidden opportunity cost
Without clear cashflow data, most households miss savings and investment opportunities worth thousands yearly.
Vanguard Behavioral Finance StudyPlans
Start free. Upgrade when Fino is doing the work for you.
$6.67 / month
Billed annually at $79.99Fino collects it for you, so nothing slips through.
- Everything in Free
- Bank sync for 3 institutions
- 25 statement imports / month
- Cashflow and trend charts
- Alerts, weekly digest, monthly report
- Fino AI
- 10 GB vault
$12.50 / month
Billed annually at $149.99Fino explains what is happening and what to do next.
- Everything in Plus
- Unlimited bank connections and imports
- AI receipt extraction and matching
- Daily brief and follow-up questions
- 4-year bank history
- Top-tier Fino AI
- 50 GB vault · shared view for you and a partner
- Priority support
$20.83 / month
Billed annually at $249.99Everything in Pro, for the whole household.
- Everything in Pro
- Up to 5 people with their own logins
- Shared budgets, goals, and savings
- Bill ownership and expense splitting
- Settle up and activity feed
- Duplicate household subscriptions
- 100 GB shared vault
Paid plans include a 7-day free trial. No card required to sign up, and if you never upgrade your account stays on Free — it does not expire.
What you get
Fino pays for itself in the first month.
Spot the leaks instantly
Fino surfaces every recurring charge, fee, and cost centre automatically. Most users find $50–$200 in forgotten charges in their first week.
Know before it happens
Subscription renewal alerts, budget warnings, and cashflow forecasts give you time to act — not react.
Shared finances, simplified
Track group expenses, shared events, and household cashflow in one place — without spreadsheets or back-and-forth.
Ask questions, get answers
Fino AI reads your real data — transactions, documents, budgets — and answers questions no generic chatbot can.
Side-by-side
Compare what each plan unlocks.
FeatureFreePlusProFamily
Manual accounts and liabilities✓✓✓✓
Dashboards and spending breakdown✓✓✓✓
Budgets, goals and events✓✓✓✓
Labels, rules and automation✓✓✓✓
Subscription tracker and renewal calendar✓✓✓✓
Due-date and budget alerts✓✓✓✓
CSV export✓✓✓✓
Statement imports3 / mo25 / moUnlimitedUnlimited
Document and receipt vault1 GB10 GB50 GB100 GB
Fino AI messages✓1✓1✓1✓1
Bank sync3 banksUnlimitedUnlimited
Cashflow, trends and flow charts✓✓✓
Anomaly alerts, digests and reports✓✓✓
Rules applied automatically on import✓✓✓
Expand bank history2 years4 years4 years
AI receipt extraction and matching✓✓
Written daily brief and follow-ups✓✓
Priority support✓✓
People included1125
Shared net worth and summaries✓✓
Shared budgets, goals and savings✓
Bill ownership and expense splitting✓
Settle up and activity feed✓
Fino AI message allowances1
Fino AI is included on every plan. Monthly message allowance: Free 5, Plus 30, Pro 500 — Pro and Family also use our top-tier model. On a Family plan the household owner gets 500 a month; each additional member gets their own 100.
Questions
Common questions answered.
Do I need a credit card to sign up?
No. Fino has a free plan with no expiry and no card required. You only enter payment details if you decide to upgrade.
What happens after the 7-day trial?
Your account moves to the free plan. Nothing is deleted and nothing is charged — your accounts, budgets, labels and alerts all keep working, just with free-plan limits.
Can I switch between plans?
Yes. Upgrade or downgrade any time. Upgrades apply immediately; downgrades apply at the next billing cycle.
What is the difference between Pro and Family?
Pro is for one person, with two seats so a partner can share the view. Family is up to five people who actually run money together — shared budgets, bill ownership, expense splitting and settling up.
Is my financial data safe?
All data is encrypted at rest and in transit. Bank credentials are never stored — we use read-only connections through Plaid.
Does Fino work outside the US?
Fino currently supports Canadian and US bank connections. Statement imports work globally.
What does Fino AI actually do?
Fino AI reads your real Fino data — transactions, budgets, receipts, events — and answers specific questions. It's not a generic chatbot.
Can I cancel any time?
Yes. Cancel from your account settings. You keep access until the end of your billing period.
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