# Finlingo: Personal Finance AI — Bills, Savings & Refunds > AI-driven personal finance assistant for automated spending and subscription insights. (iPhone/iPad app by Finlingo Inc..) - Source: https://appshunter.io/ios/app/finlingo-personal-finance-ai/id6752918511 (this page in markdown: same URL + `.md`) - Developer: [Finlingo Inc.](https://appshunter.io/developer/1841775835) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 5.00/5 from 5 App Store ratings · 2 written reviews indexed - Age rating: 4+ - Requires: iOS 16.4 · 123 MB - Languages: American English - Released: 2026-03-15 - Data updated: 2026-07-17 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/finlingo-personal-finance-ai/id6752918511/reviews.md ## What is Finlingo? Finlingo is your AI money agent — built to help you understand your money, find what’s costing you, and take action to get money back. Ask questions, catch changes, review money opportunities, and get help with tasks like canceling subscriptions, lowering bills, disputing charges, requesting refunds, and following up. No spreadsheets. No rigid budgeting rules. No manual tracking. Just an AI money agent that watches your finances, explains what changed, and helps you do something about it. Your money, watched for you Finlingo monitors your accounts and surfaces what needs attention, including: * Subscriptions still charging * Bills that increased * Hidden fees * Duplicate or unusual charges * Refund opportunities * Spending changes * Money leaks worth reviewing Talk to your money Ask Finlingo things like: * Why did my spending jump this week? * What subscriptions am I still paying for? * What needs my attention today? * Why did this bill go up? * Can I get this charge refunded? * Help me dispute this transaction. Finlingo explains what happened, shows the context, and helps you understand what to do next. From insight to action Most finance apps show you what happened. Finlingo helps you take the next step. Finlingo can help you: * Cancel subscriptions * Lower bills * Dispute charges * Request refunds * Ask for fee reversals * Follow up on money issues * Find places to save or get money back You stay in control. Nothing is sent, canceled, disputed, or requested without your approval. Not another budgeting app Finlingo does not force you to categorize every expense, build strict budgets, or stare at dashboards. It helps you see what changed, find what is costing you, talk to your money through AI chat and voice, and stay ahead without managing everything manually. Secure and in your control Finlingo connects securely through Plaid with read-only access. It can analyze your account activity, but it cannot move money, transfer funds, make payments, or control your accounts. You approve every action before anything happens. Subscription Required: Finlingo is free to download, but requires an active subscription available via in-app purchase to access its AI money agent features, account analysis, proactive monitoring, chat, voice, insights, and money action tools. EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Terms of Use: https://finlingo.ai/terms Privacy Policy: https://finlingo.ai/privacy GDPR: https://finlingo.ai/gdpr-compliance Important note: Finlingo provides informational tools and AI-assisted money insights. Finlingo does not provide financial, investment, tax, or legal advice. Finlingo cannot guarantee refunds, bill reductions, dispute outcomes, or subscription cancellations. Finlingo does not move money, make payments, transfer funds, or take financial action without user approval. ## Key features - AI-driven financial analysis - Automatic subscription tracking - Spending pattern monitoring - Cash flow flagging - AI chat for financial questions - Automated financial awareness ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Finlingo Pro (Monthly) | $14.99 | per month | | Finlingo Pro (Annual) | $118.99 | per year | | Finlingo Pro Monthly - Referral | $12.99 | per month | | Finlingo Pro Annual - Referral | $94.99 | per year | ## Recent user reviews (2 of 2) All indexed reviews: https://appshunter.io/ios/app/finlingo-personal-finance-ai/id6752918511/reviews.md ### 5/5 — It’s a great app *2026-03-21* Finlingo is a great resource and very user friendly. I opt to use Finlingo instead of my regular bank app because finny(ai) can gather and summarize information about my finances quicker than I ever could. The ai also offers me cool tips on how to save money and achieve my goals that are specific to me as it knows my income and my spending habits. ### 5/5 — This is actually app is acc good finny could be an bit faster though *2026-03-18* I love Finlingo, it’s completely changed the way I manage my money. Finny the AI assistant although a little slow, makes viewing the specific ways I spend money, and things I can save on so easy and effective. As someone that was often overwhelmed with everything to do with money management finlingo has helped in more ways than I could imagine. ## Frequently asked questions about Finlingo ### What is Finlingo? Finlingo is an AI-powered finance assistant designed to explain your money, answer financial questions, and help you understand spending, subscriptions, and cash flow. It provides automated financial intelligence and clear explanations without requiring manual tracking or rigid budgeting rules. ### How does Finlingo track subscriptions? Finlingo automatically analyzes your transactions to detect subscription renewals and hidden leaks. It monitors recurring charges and identifies patterns, surfacing smart insights when something shifts, so you don't have to manually track them. ### Is Finlingo secure? Yes, Finlingo is built with secure account connections and a privacy-conscious architecture. It is designed to protect your financial data while providing automated insights. ### Does Finlingo have ads? No, Finlingo does not contain advertisements. It is a completely ad-free experience for users. ### What devices does Finlingo support? Finlingo is available on iPhone, iPad, and iPod. It is designed to be accessible across Apple's mobile ecosystem. ### How often is Finlingo updated? Finlingo was last updated on May 11, 2026, with version 1.2.51. This indicates a commitment to regular improvements and maintenance. ### What is the user sentiment for Finlingo? Finlingo has received overwhelmingly positive feedback, boasting a perfect 5.0-star rating from 5 user reviews. This suggests a high level of user satisfaction with its features and performance. ### Is Finlingo suitable for beginners in personal finance? Yes, Finlingo is ideal for beginners as it focuses on clarity over complexity. It avoids overwhelming users with charts and rigid rules, instead providing simple, automated insights to help them understand their money. ## Version history (last 5 releases) ### 1.2.75 — 2026-07-09 Bug fixes and improvements! ### 1.2.74 — 2026-07-03 Updated app screenshots and minor UI improvements. ### 1.2.70 — 2026-07-02 Finlingo is now your AI money agent. This update brings a new agent-first experience that helps you talk to your money, catch important changes, find what’s costing you, and get help taking action on subscriptions, bills, disputes, refunds, and fees. Ask anything. Catch what changed. Find what’s costing you. Get help fixing it. ### 1.2.51 — 2026-05-11 Paywall updates and entitlement handling improvements. Minor UI polish and quick bug fixes. ### 1.2.5 — 2026-05-08 Recurring subscription fixes, finny accuracy, roast mode, and more. ## Related topics [personal finance ai](https://appshunter.io/ios/topics/personal-finance-ai) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-07-17.*