Finly vs Stmnt

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/

Your bank sends you a PDF. Stmnt turns it into an answer. Upload a statement from any bank in any country. Stmnt reads every line, sorts it, and shows you where your money actually went. No account to create, nothing to sign up for. WHAT STMNT READS • PDF statements from any bank, including password-protected files • Scanned statements, read by AI vision when there is no text to extract • Up to three statements at once, appended or replaced as you like • Duplicate files and duplicate transactions, caught before they skew your numbers • 35+ currencies, detected automatically and converted to the one you think in WHAT IT SHOWS YOU • A dashboard with net balance, income, expenses, and daily, weekly and monthly averages • Spending sorted into 17 categories, with over 100 merchants recognized by name • Trends over time, category donuts, cash flow, a heatmap by day of week, and month-over-month change • Unusual transactions flagged for a second look • An explanation in plain words on every single chart CATCH EVERY SUBSCRIPTION Stmnt finds recurring charges on its own, from weekly to yearly, and estimates what each one really costs you per month. The renewal you forgot about shows up on the list. REFUNDS THAT BEHAVE Refunds and reversals are matched to the charge they cancel and kept out of your spending totals, so a returned purchase does not look like money spent. REPORTS AND SHARING Save an analysis as a named report, export it to PDF, CSV or Excel, and share it with someone who needs to see it. Shared reports are encrypted, can be password-protected, and sync live for everyone with access. You choose read-only or read-and-write, and you can revoke a link at any time. Sharing is in beta. STMNT PRO • AI Financial Advisor. Ask about your spending in plain language and get answers with charts drawn from your own data. • Smart Forecast. Next month's spending by category, with a confidence score and a look back at how past forecasts turned out. • Smart Spending Tips. A financial health score and advice built from your own transactions. • Chart Builder. Describe the chart you want, then pin it to your dashboard. • Unlimited uploads. No daily cap, no limit on files per report. YOUR STATEMENTS STAY YOURS • Results are saved on your device, not on our servers • No account, no sign-up, no advertising • Your statement goes to the AI only so it can read your transactions • iCloud backup is optional and lives in your own private container BUILT FOR BOTH LANGUAGES Full English and Arabic with right-to-left layout, 35+ currencies, light and dark themes, and layouts made for iPhone and iPad. Free to try. Stmnt Pro is an auto-renewing subscription that unlocks the AI advisor, forecast, tips, chart builder and unlimited uploads. Payment is charged to your Apple Account. Subscriptions renew automatically unless canceled at least 24 hours before the end of the current period, and you can manage or cancel anytime in your device's subscription settings. Privacy Policy: https://stmnt.7mxd.me/privacy Terms of Use: https://stmnt.7mxd.me/terms