# FinLocker

> Financial assistant for mortgage readiness, budgeting, credit monitoring, and property search. (iPhone/iPad app by Finlocker LLC.)

- Source: https://appshunter.io/ios/app/finlocker/id1435921445 (this page in markdown: same URL + `.md`)
- Developer: [Finlocker LLC](https://appshunter.io/developer/1357188723)
- Category: Finance
- Price: Free
- Rating: 3.90/5 from 19 App Store ratings · 2 written reviews indexed
- Age rating: 12+
- Requires: iOS 15.0 · 114 MB
- Released: 2018-10-01
- Data updated: 2026-08-23
- Monetization: ad-supported
- User reviews in markdown: https://appshunter.io/ios/app/finlocker/id1435921445/reviews.md

## What is FinLocker?

FinLocker is a financial digital assistant available to you free through an invitation from your trusted financial partner, financial advisor, lender, credit union, bank, realtor, mortgage broker, or from a direct invitation from the FinLocker team.  We help you get mortgage ready and manage your financial life. 

Organize in one place:
Your FinLocker dashboard summarizes important financial information such as: account balances, transactions, net worth, budgeting, credit score, cash flow analysis, estimated home value, spending analysis, offers and promotions from your financial institution, and an information center with personal finance articles and videos, all in one place. 

Budgeting:
Understand what you are spending and where. Track your spending by categories and drill down into subcategories. Receive alerts if you are off track or confirmation if you are on track. 

Free Credit Score, Report and Monitoring:
Your credit score is prominently displayed in your dashboard - and it doesn't cost you anything. Track changes month to month and learn the key factors that make up your score like length of credit, timely payment history, utilization of credit, total accounts opened and inquiries. Don't worry, this is a "soft credit pull" meaning there is no impact to your score by checking it.  Look through your credit report for accuracy.  Access helpful articles that explain credit bureaus, credit score, and more. 

Prepare:
Work with your financial partner or institution to best prepare you for home ownership by planning for a down payment, establishing reserves, managing your debt to income ratio, improving or maintaining your credit, loan scenarios through our calculators, establish your projected loan to value, and more. Visit the readiness assessment in your app to see a snapshot of your credit overview, debt to income ratio, cash reserves, employment, down payment and sales price.

Search Properties:
Looking for your first home? Want to move up, or downsize? Use your locker to search local and nationwide real estate listings. Find homes that match what you can afford. See open houses, customize searches, favorite properties you like and save your searches. 

Share:
When you are ready to move forward with a financial transaction, you choose what accounts to share with your financial institution. All data is always encrypted.  

Security:
Security is our #1 job so you can feel confident that the financial accounts you’ve connected and documents you’ve uploaded are secure. See more here: https://www.finlocker.com/security/

Privacy:
Your privacy is important to us. To learn how we protect your privacy, visit: https://www.finlocker.com/privacy-policy/

## Key features

- Financial dashboard
- Budget tracking and alerts
- Free credit score and report
- Mortgage readiness assessment
- Real estate property search
- Secure data sharing

## Recent user reviews (2 of 2)

All indexed reviews: https://appshunter.io/ios/app/finlocker/id1435921445/reviews.md

### 5/5 — Great tool

*2021-08-14*

Amazing tool if you want to start your journey to home ownership! Pretty sick

### 5/5 — Fin Tool Expert

*2019-05-05*

This is amazing.  Must have for anyone managing their finances.

## Frequently asked questions about FinLocker

### How does FinLocker help me get mortgage-ready?

FinLocker assists in preparing for a mortgage by helping you plan down payments, establish reserves, manage debt-to-income ratios, and improve your credit. It provides a readiness assessment to show your current standing regarding credit, debt, reserves, employment, and home price.

### Is my financial data secure with FinLocker?

Yes, FinLocker prioritizes security for all connected financial accounts and uploaded documents. They provide detailed information on their security measures at https://www.finlocker.com/security/.

### Can I track my spending with FinLocker?

FinLocker offers comprehensive budgeting tools to understand your spending habits. You can track expenses by categories and subcategories, and receive alerts if you go off track or confirmations when you are on track.

### Does FinLocker offer a free credit score?

Yes, FinLocker provides your credit score prominently on the dashboard at no cost. It allows you to track monthly changes and understand the factors influencing your score, such as credit length and payment history. This is a soft credit pull, meaning it does not affect your score.

### What kind of financial information does FinLocker display?

The FinLocker dashboard summarizes key financial details including account balances, transactions, net worth, budgeting status, credit score, cash flow analysis, estimated home value, and spending analysis.

### Can I search for properties within FinLocker?

Yes, FinLocker includes a feature to search local and nationwide real estate listings. You can find homes that fit your budget, view open houses, customize searches, and save favorite properties.

### Does FinLocker have ads?

Yes, FinLocker contains advertisements. As a free service provided through financial partners, it utilizes ads to support its operations.

### What devices is FinLocker available on?

FinLocker is available on iPhone, iPad, and iPod devices. It is designed for iOS users looking to manage their finances on the go.

## Version history (last 5 releases)

### 4.22 — 2026-08-20

Homebuying Readiness now shows helpful info on VA funding fees, and Refi Readiness has a new rate feature to help you explore your options. We've also cleaned up a few things behind the scenes — smoother notifications, better account syncing, and some bug fixes along the way.

### 4.21 — 2026-05-30

We're introducing the new Net Worth page, now you can track how your finances have progressed over time. Start by linking an account or property to see a comprehensive summary. We've also made some improvements to Refi Readiness and other fixes to help you explore your options with greater confidence.

### 4.20 — 2026-03-10

We've been sprucing things up! This update brings a sleeker Homes You Own with a redesigned search and property enrollment experience. We've also refreshed our fonts across the app and quashed some bugs.

### 4.18 — 2026-01-16

Take a step closer to your goals with the new Homeownership Summary. Powered by AI, it delivers a personalized snapshot of your path to homeownership and suggests practical next steps. We’ve also made improvements to keep things running smoothly.

### 4.17 — 2025-11-26

We've been working hard on this one! We've made under-the-hood upgrades to our systems for better performance and security to keep your information safe. You can say goodbye to password headaches with our new passwordless sign-in option.

## Apps similar to FinLocker

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## More apps by Finlocker LLC

- [KinLocker](https://appshunter.io/ios/app/kinlocker/id1627398239)
- [FinReady](https://appshunter.io/ios/app/finready/id1667883203)
- [KeySteps](https://appshunter.io/ios/app/keysteps/id6642643003)

All apps by Finlocker LLC: https://appshunter.io/developer/1357188723

## Related topics

[finlocker](https://appshunter.io/ios/topics/finlocker)

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*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 2026-08-23.*