# Finma - AI Finance Tracker — Budget & Subscription Manager > AI-powered personal finance manager for automated expense tracking and budgeting. (iPhone/iPad app by Tanmay Sonawane.) - Source: https://appshunter.io/ios/app/finma-ai-finance-tracker/id6446134557 (this page in markdown: same URL + `.md`) - Developer: [Tanmay Sonawane](https://appshunter.io/developer/507744776) - Category: Finance, Utilities - Price: Free with in-app purchases - Rating: 4.60/5 from 44 App Store ratings · 27 written reviews indexed - Age rating: 4+ - Requires: iOS 17.0 · 117 MB - Languages: Russian, American English, Arabic, European Spanish, Italian, Korean, German (Germany), Brazilian Portuguese, Chinese (Traditional, Hong Kong SAR China), Chinese (Simplified, China) and 2 more - Released: 2025-02-13 - Data updated: 2026-08-27 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/finma-ai-finance-tracker/id6446134557/reviews.md ## What is Finma? Finma short for finance manager, is your personal finance assistant that helps you track & plan all your expenses in one place.  Built with the primary goal of automating your expenses, Finma is the only app on the App Store which supports all of the following ways to automate expenses: - SMS Automation - Email Sync - Direct bank connection via Plaid - AI PDF import - AI CSV import Features: - Privacy First Finma stores all your financial data locally on-device. Not even we have access to your transactions. - Generous Free Tier The free tier allows you to create unlimited transaction entries, unlimited budgets and unlimited rules. Track up to 3 subscriptions for free. - Budget Alerts Say goodbye to overspending on your gadget addiction. Set category wise budgets and get alerted when they cross a set threshold. - Rule Based Auto-Categorization Finma uses rules for automatic categorisation of transactions. A rule can either be a simple text that matches any text within the transaction description or for more advanced users a regex to match pattern. - Subscription Tracking A beautiful calendar view shows all your recurring transactions at a glance. Keep your subscriptions in check and manage them efficiently. - Payment Reminders Track upcoming dues for all your cards and get reminded to clear them on time. Set custom reminders to get reminded up to a week in advance. - Visual Filtering Find the transactions you need even faster with a visual approach in Finma. Suppose you need to see all the restaurant spends you did in month of Feb. Simply select Restaurants from the categories bar followed by tapping Feb bar in graph. - Interactive Charts All charts and graphs in Finma are interactive. Example: You want to find out how much you spent on restaurants and shopping combined in Feb. Select Shopping and then Restaurants from the categories bar followed by tapping Feb bar in graph. - Cash Flow Know your overall financial health with just 1 glance. Easily understand how your income and investments compare on an average within a period. The cash flow widget allows you to quickly skim through previous months to get better clarity on past health and helps to plan better. - PDF Import Import transactions in bulk by importing PDF statements or using the built-in image scan feature to scan documents and receipts. - Email Sync Import transactions automatically from emails. If your bank sends you transaction emails, Finma will try to parse them and generate transactions automatically. - SMS Sync Import transactions automatically from SMS using Shortcuts automation. If your bank sends you transaction alerts on SMS, Finma will try to parse them and generate transactions automatically. - Direct Bank Sync We have partnered with Plaid to support all major banks across US and Canada. Bank data is synced directly to device, we do not store any personal user data on our servers. --- What's completely free: - Unlimited transactions - Unlimited rules - Unlimited budgets - Track up to 3 subscriptions - Payment reminders - Budget alerts - Interactive charts and filters The following features require purchasing Premium subscription: - Direct bank sync using Plaid (US & Canada only) - AI related tasks such as document scanning, sms & email parsing - Adding more than 1 account - Custom categories - Custom app icons --- Have questions or need help? Email us at support@finma.money Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ ## Key features - Automated expense tracking (SMS, email, bank, PDF, CSV) - Privacy-first on-device data storage - Unlimited transactions and budgets in free tier - Budget alerts and rule-based auto-categorization - Subscription tracking and payment reminders - Interactive charts and visual filtering - Cash flow analysis ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Premium Yearly Plan | $49.99 | per year | | Premium Weekly Plan | $1.99 | per 7 days | | Premium Yearly Plan (Family) | $99.99 | per year | | Premium Monthly Plan | $4.99 | per month | | Premium Yearly Plan | $14.99 | per year | **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | Premium Lifetime Plan (Family) | $199.99 | one-time | | Premium Lifetime Plan | $149.99 | one-time | ## Recent user reviews (10 of 27) All indexed reviews: https://appshunter.io/ios/app/finma-ai-finance-tracker/id6446134557/reviews.md ### 5/5 — I have a couple of things to say to the Dev *2026-06-12* 1. First off- What a fantastic app! The user interface, animations, haptics, layout, features- everything absolutely top notch. I say this with all my heart as I am someone whose wanted a finance manager app truly capable of handling the indian banking landscape and this does that really well! So kudos to the the dev/dev team. Flawless execution! 2. Suggestion: What I noticed during my testing phase of this app is- it understands transactions from SMS really well but fails to understand all kinds of transactions. Since the app already takes advantage of the SMS integration, why not train it to understand recurring contextual messages and using that data to update relevant data on the app. For example: If HDFC sends me an available balance alert message every morning, the app currently doesn’t understand that as a transaction because rightfully it is not. It is just an alert. Is there a way for Finma to read that and update the current balance across multiple accounts? I apologise if this feature exists and I just somehow missed it. thanks again for all your hard work. I’m definitely staying on Finma Premium. ### 3/5 — Amazing potential, but half baked and distracted development. *2026-05-08* MAY 2026 (appears earlier review vanished?) This app has so much potential and purchased straight away. Developer was eager, full of ideas but has since moved onto other projects and remains distracted for at least the past six months. Developer has been aware of each point below for maybe close to a year at this point. Here are some insights to assist deciding on purchasing. I personally can not recommend in its current state (without fixing major issues below,) and with a hobby developer who really isn’t vested or prioritizing development. FOCUS App wants to say it does everything and can’t decide. Dedicated spot for subscriptions, a rather small function but given high priority. App wants to be a budget minder (why subscriptions would e a sub of budgets (?,) maybe because that leaves the app looking rather empty.) Worst part is the noise. The developer seems mighty proud being able to access and show countless data points of an account, when a simple focus study would support prioritizing and focusing on common wanted datapoints. Then, THEN, throw in a ton of info graphics as if trying to show off or show value yet, again, is likely not desired by majority of users. Developer remains insistent on all decisions made being critical? Recommendation made was to, at a minimum, allow the user to hide unwanted data points. Be prepared to muscle through irrelevant data to get what you need to see. PLAID Connecting to banks (for me, credit card accounts at banks) is critical.,without it the app is nothing more than (not even) a run of the mill manual budgeting app. Connections initially work well after putting in the effort to get your accounts connected…and it takes a while. Once connected you will get transaction updates, and can hunt around for transactions on a card (operative word ‘hunt’ more on this under opportunities. Problem kicks in with the frequency these account connections break. Doesn’t matter if the issue is Finma, Plaid or your bank as it is all the same result - which is you are forever putting on an admin hat to fix connections. This KILLS the experience. It is faster and easier to log into an OEM bank app than it is keep reconnecting accounts. This is the single biggest issue that keeps me from really using the app.Exhausting. Bank connections always break. NOTIFICATIONS You are getting weird notifications all the time. Developer is not based in United States and maybe financial notifications needs are different in India. You will get expected notifications of a transaction for any card connected - awesome (until connection breaks.) You will also get a high frequency of useless or indecipherable notifications to the point you sacrifice wanted notifications to stop the madness. Notifications are not well thought out. BALANCE VS LIMIT The app does not do well understanding the difference between credit limit and credit balance. This results in balances and notifications getting totally reliably hosed. When the app interposes limits and balances you can’t trust the data. You will see high negative balances for example why they are credit limits, not amounts owed. Nuts. INTERFACE UX/UI Lot of opportunities to make the app simple and straight forward. Will not get into the weeds here. WEIRD THINGS Privacy You need to be signed in to access the data, BUT the most important data (your numbers) are masked. That is the perspective that someone will be using the app with an audience? Imagine signing into any bank or credit app and not seeing you numbers straight away. You need to take extra steps to see your numbers. You need to do this every time you sign in. No setting to change a preference or reverse this backwards thinking. Then there is a Privacy Mode which can be found inside settings. Turn this on and you will get dummy data in place of your numbers for screen shots. Ok? Turn it on and you don’t get fake numbers, you get glyphs and shapes. Still, if you take a screenshot, even with privacy mode enabled, you get a scholar’s crossbones sensitive data warning. Not opposed to this with a toggle to decide, yet option in settings is too deep for a fleeting use case where the forced sensitive data panel suffices. Marketing Images shown to market product are not reflective of the actual app. For example you will not see balances for credit cards when viewing list of accounts (image with large square tiles - balances don’t appear. **Developer response:** Thanks for the review. I’m working on adding direct bank integration for US, Canada, Europe banks. I hope you try it again in future. ### 1/5 — Old transactions disappear *2026-04-09* I really wanted to like it but it's too buggy. Old Transactions keep disappearing and I have to retry the sms again and again. Cannot trust the information it gives. The developer has stopped responding to emails ### 5/5 — Wow *2026-01-26* How am I just now finding this gem ### 3/5 — So much potential yet… *2026-01-16* January 2026: Finma has a great deal of potential. If the developer could focus and keep updating the app there is potential for Finma to be a market leader. That said key gaps and bugs remain and developer appears focused elsewhere. Few examples: - The software has a hard time effectuating between an outstanding balance and credit minutes. Balance and limit get mixed up so often that notifications are rendered nearly useless. - That screen showing all accounts in one place, with a balance showing on each tile? The balance does not exist. Screenshot remains incomplete, as it can only show a bank account balance but NOT credit card balances. - Too many datapoints. Development places a lot of focus on info graphics and packing every available financial factor in your face. Most users care about 5-7 datapoints. There is no way to hide content that is not relevant. Then add attempts for the app to look smarter with its own data amassed. - To the point above, the app can not decide what it wants to be…if it is related to personal finance, then by god Finma wants to include. Subscription tracker? Sure, why not? Budget builder - tel. Bill pay, nope. Points tracker, nope. - Buggy - look at release history for starters. A bug issue remains active connections. The app uses Plaid to sync banking data. Hard to say where the responsibility rests, but as a user you will need to be your own admin always fixing connections. You might need to reconnect banks every few weeds or days. While writing this review I signed in to discover three banks need to be reconnected before Finma can do its thing. Developer has tried to make the process smoother, yet as a user be prepared to always be fixing. - Some concepts remain flipped backwards. For example, if the user has protected their phone with biometrics, then your balances are hidden from you. You need to manually toggle balances. However, if you turn off protections, then balances are visible. Development remains steadfast in the backwards understanding. ————- Note: if you are wary of connecting accounts, there isn’t much value to the app…best you will get would be a manual subscription tracker and budget maker….nothing different than countless other budget and subscription trackers. ————— Developer -,please keep progressing the potential. The app is so close yet such key gaps. **Developer response:** Thanks for the review. I’m working on adding direct bank integration for US, Canada, Europe banks. I hope you try it again in future. ### 2/5 — Add Support *2025-11-27* Please add support with Middle East and India. Have your paid subs but would really need this feature to get most out of this. Also would like to have automatic Apple Pay txn to be captured in spends ### 4/5 — Best Daily Expense tracker for ios *2025-11-14* I will definitely give 5 star If they implement 3 Important features 1. Money Transfer Option from 1 Acc to other ( Now it is very complicated process) 2. Option to manually set start date of month 3. Option to manually select the account to exclude in total balance Overall this app is the best with great UI and good charts and graphs. ### 5/5 — This app is just too good. *2025-10-25* All the features in this app are executed and orchestrated almost perfectly. What amazes me the most is how the budgeting features (expense logging) and post-budgeting tools (analysis) harmonize so well with each other — all while keeping the app unbloated and uncluttered. You can also customize the widgets and organize your dashboard to your liking. Truly remarkable work that rivals all the budgeting apps in the store by a talented solo developer. ### 3/5 — Unable to add my Hotmail account to retrieve email statements *2025-10-15* Can be better ### 1/5 — The sync does not work *2025-10-10* How many times would you import pdfs? Absolutely zero! ## Frequently asked questions about Finma ### What does Finma do? Finma is a personal finance assistant designed to help you track and plan all your expenses in one place. It automates expense tracking through various methods like SMS, email sync, direct bank connection via Plaid, and AI PDF/CSV imports. ### What are the key features of Finma? Key features include privacy-first on-device data storage, a generous free tier with unlimited transactions and budgets, budget alerts, rule-based auto-categorization, subscription tracking with a calendar view, payment reminders, visual filtering, interactive charts, and cash flow analysis. ### Is Finma free to use? Finma offers a generous free tier that allows for unlimited transaction entries, unlimited budgets, and unlimited rules. You can also track up to 3 subscriptions for free. Additional features or higher subscription limits may be available through in-app purchases. ### What devices is Finma compatible with? The application is available on the App Store, indicating compatibility with iOS devices. Specific iOS version requirements are not detailed in the provided description. ### How can Finma help me manage my money? Finma helps you manage your money by automating the tedious task of expense tracking, allowing you to set budgets and receive alerts to prevent overspending. Its subscription tracking and payment reminders ensure you stay on top of recurring bills, while interactive charts and cash flow analysis provide insights into your financial health. ## Version history (last 5 releases) ### 2.1.5 — 2026-08-26 Fixes: - Fixes for Plaid sync issues. Please consider leaving a nice rating if you like the work I do. If you have any doubts or feature requests, please email support@finma.money ### 2.1.4 — 2026-08-01 Fixes: - Fixed quick tag getting auto dismissed in transactions view. - Fixed losing scroll position in transaction view. - Fixed email transactions being deleted if no statements existed and user made a manual entry. - Improved password logic for opening locked PDFs. Please consider leaving a nice rating if you like the work I do. If you have any doubts or feature requests, please email support@finma.money ### 2.1.3 — 2026-06-03 Fixes: - Fixed race condition that caused account templates auto-update to fail. - Updated HDFC Bank template with new UPI format for email extraction. Please consider leaving a nice rating if you like the work I do. If you have any doubts or feature requests, please email support@finma.money ### 2.1.2 — 2026-05-28 Fixes: - Fixed incorrect amount being parsed when amounts contained a currency name followed by a dot. Please consider leaving a nice rating if you like the work I do. If you have any doubts or feature requests, please email support@finma.money ### 2.1.1 — 2026-05-18 Fixes: - Fixes for session expiry issues. Please consider leaving a nice rating if you like the work I do. If you have any doubts or feature requests, please email support@finma.money ## Apps similar to Finma | App | Rating | Price | Category | | --- | --- | --- | --- | | [ExpensePad: Spending Tracker](https://appshunter.io/ios/app/expensepad-spending-tracker/id6504459640) | — | $3.99 | Finance | | [Expense Manager : Daily Budget](https://appshunter.io/ios/app/expense-manager-daily-budget/id1554466334) | 4.6 (5) | Free | Finance | | [ExpenseJar: Track & Budget](https://appshunter.io/ios/app/expensejar-track-and-budget/id6739467259) | 5.0 (1) | Free | Finance | | [Expania](https://appshunter.io/ios/app/expania/id1543845003) | — | Free | Finance | | [CC: Spending & Money Manager](https://appshunter.io/ios/app/cc-spending-and-money-manager/id1527901868) | 5.0 (1) | Free | Finance | | [Cashbook & Money Tracker](https://appshunter.io/ios/app/cashbook-and-money-tracker/id6742810804) | — | Free | Finance | ## More apps by Tanmay Sonawane - [Wdgts](https://appshunter.io/ios/app/wdgts/id916103272) - [VeroSMS](https://appshunter.io/ios/app/verosms/id1269693537) - [Soor ▹](https://appshunter.io/ios/app/soor/id1439731526) - [Wdgts 2](https://appshunter.io/ios/app/wdgts-2/id1579244506) All apps by Tanmay Sonawane: https://appshunter.io/developer/507744776 ## Related topics [finma](https://appshunter.io/ios/topics/finma) --- *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 2026-08-27.*