# Finly: AI Budget & Expense Log — Budget Tracker & Money Planner

> AI-powered expense tracker and budget planner with a focus on privacy. (iPhone/iPad app by R.S Digital Labs.)

- Source: https://appshunter.io/ios/app/finly-ai-budget-and-expense-log/id6758222599 (this page in markdown: same URL + `.md`)
- Developer: [R.S Digital Labs](https://appshunter.io/developer/1871438922)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Rating: 5.00/5 from 1 App Store ratings · 1 written reviews indexed
- Age rating: 17+
- Requires: iOS 16.6 · 61 MB
- Languages: American English
- Released: 2026-03-24
- Data updated: 2026-08-21
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/finly-ai-budget-and-expense-log/id6758222599/reviews.md

## What is Finly?

Track every dollar without linking a single bank account.

Most budgeting apps demand access to your bank login. They sync your accounts, store your credentials, and share your financial data with third parties. Finly does none of that. Finly is the only AI-powered budget tracker and expense planner built entirely around your privacy - no bank connections, no credential storage, no sharing of your personal financial records with third parties. Your financial life stays yours.

"The voice logging is a game changer. I'm always on the subway or in the car and just being able to say what I spent without typing it out is so convenient." - Mark, App Store, 5 stars

TRACK EXPENSES BY VOICE
Open Finly and just say it. Finly's AI understands natural language and logs your expense instantly - category, amount, and note included. No typing, no menus, no friction. Whether you are at a coffee shop or stepping out of an Uber, your expense is logged before you put your phone away.

IMPORT YOUR BANK STATEMENTS
No bank password needed. Download a PDF or CSV statement from your bank's website - the same way you would to file your taxes - and upload it to Finly. The AI reads, categorizes, and organizes every transaction automatically. Works with any bank in the world: Chase, Bank of America, Wells Fargo, HSBC, Barclays, TD Bank, local credit unions - if your bank produces a statement, Finly can read it.

UNDERSTAND WHERE YOUR MONEY GOES
See exactly where every dollar goes with clear spending breakdowns by category. Finly generates monthly summaries and week-over-week trend charts so you can spot patterns over time. When did your grocery spending spike? What subscriptions are silently draining your budget? Finly answers all of it with zero bank access required.

BUILD BUDGETS THAT ACTUALLY WORK
Create spending limits by category and get notified before you overspend - not after. Most people fail at budgeting because they only find out at month end. Finly's real-time tracking means you know your status today. Set a grocery budget, a dining budget, an entertainment budget. Finly shows you exactly how much runway you have left in each.

SNAP RECEIPTS INSTANTLY
See a receipt? Take a photo. Finly's AI reads the merchant, date, and total and logs it automatically. No manual entry, no forgetting what you spent. Works for restaurants, retail, pharmacies, gas stations - any receipt you receive.

BUILT FOR BANK-LEVEL PRIVACY
Zero bank connections means zero exposure. Your financial data is never sold. Your credentials are never stored. No third-party financial aggregator ever touches your private records. You get all the power of a modern AI finance app with none of the privacy risks of bank-connected alternatives.

MORE FEATURES
- AI spending insights that surface unusual patterns and savings opportunities
- Currency conversion for travelers and people with international income
- Shareable milestone cards for paying off debt or hitting savings goals
- Category customization so your budget reflects how you actually live
- Manual transaction logging for cash and in-person payments
- Subscription tracker to catch recurring charges you may have forgotten

WHO FINLY IS FOR
Finly is for anyone who wants to manage money without surrendering privacy. For people who pay with cash. For freelancers managing income from multiple sources. For anyone burned by data breaches who refuses to hand banking credentials to a third-party app. For anyone who tried Mint, YNAB, or Rocket Money and thought: why does this need my bank password just to help me budget?

Finly works differently. Always has.

Download Finly today and take back control of your money.

Privacy Policy: https://heyfinly.ai/privacy
Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Key features

- AI-powered voice expense logging
- Import bank statements (PDF/CSV)
- Receipt scanning with AI
- Customizable budgets and alerts
- Spending breakdown and trend charts
- Bank-level privacy, no account linking

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Finly Premium Yearly | $49.99 | per year |
| Finly Premium Monthly | $4.99 | per month |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Finly Premium Lifetime | $99.99 | one-time |


## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/finly-ai-budget-and-expense-log/id6758222599/reviews.md

### 5/5 — Amazing

*2026-04-22*

Been looking for something like this for a while. The voice logging is a game changer cor me. I’m always on the subway or in the car and just being able to say what I spent without typing anything out is so convenient

**Developer response:** We are super thrilled you are loving the app Mark! Should you need any assistance or have a feedback don’t hesitate to drop us a message at hello@heyfinly.com. Wish you luck in your financial journey 👋🏻

## Frequently asked questions about Finly

### How does Finly protect my privacy?

Finly prioritizes your privacy by not requiring any bank connections or storing your bank credentials. Your financial data is never sold, and no third-party financial aggregators access your records. This ensures your financial life remains entirely yours.

### Can I import my bank statements into Finly?

Yes, Finly allows you to import bank statements in PDF or CSV format directly from your bank's website. The AI then automatically reads, categorizes, and organizes every transaction without needing your bank password.

### How does Finly's voice logging work?

You can simply speak your expenses into Finly, and its AI understands natural language to log the category, amount, and note instantly. This feature is designed for convenience, allowing you to log expenses without typing, even when on the go.

### What are the subscription plans for Finly Premium?

Finly offers two premium subscription plans: Finly Premium Monthly at $9.99 per month and Finly Premium Yearly at $49.99 per year. The yearly plan includes a 7-day free trial.

### Does Finly have ads?

Yes, Finly contains advertisements. As a free app with in-app purchases, advertisements are part of the user experience.

### What devices does Finly support?

Based on the available data, Finly is currently supported on iPhone devices. Further platform compatibility may be available in future updates.

### How often is Finly updated?

Finly was last updated on May 7, 2026, with version 1.3.0. This indicates a recent update, suggesting ongoing development and maintenance.

### What is the age rating for Finly?

Finly has an age rating of 12+, making it suitable for users aged 12 and above. This rating is determined by app store guidelines for content and features.

## Version history (last 5 releases)

### 1.4.4 — 2026-08-18

- Improved app stability
- Expanded app support to German!

### 1.4.3 — 2026-07-28

Improved app's onbaording so you can embark on your financial journey with even more ease!

### 1.4.1 — 2026-07-20

We have made the app smart, faster and improved AI capabilities you'll love!

### 1.3.0 — 2026-05-07

We've been listening! Finly 1.3 brings meaningful improvements to how you track, understand, and manage your money:

- Smarter AI categorization: transactions imported from PDF and CSV bank statements are now categorized with higher accuracy
- Faster voice logging: reduced latency so your expense is recorded the moment you finish speaking
- Improved spending insights: monthly trend charts now show week-over-week breakdowns
- Bug fixes and performance improvements across the app

Thank you for using Finly. Every review and piece of feedback helps us build a better product for you. If you love Finly, please leave us a rating - it means the world to us!

### 1.2.0 — 2026-04-08

- App stability fixes
- Squashed bugs in currency conversion system
- Shareable moments. Now you can share important milestones with your friends and family to continue to grow together!

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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 2026-08-21.*