Every dollar accounted.
Every habit improved.
Quiet by default. Loud when it matters.
The stuff that just
happens for you.
The small jobs that pile up in every other money app, FinNudge just does. Here are the ones people tell us they did not expect.
Scan a receipt, it does the rest
Snap a grocery receipt. It reads every line item, splits the charge by item, and files it. No typing, no math.
Safe to spend this week
One honest number, after bills and goals are set aside. Not a budget you have to decode: the amount that is actually free to spend.
Catches the price creep
It clocks the subscription that crept from $10 to $20, and the one you forgot to cancel. Quietly, before the next charge lands.
Knows what is normal for you
It learns your usual $84 coffee run and flags the $342 charge that is not you. Tuned to your patterns, not a generic threshold.
Split a charge in two taps
One Costco run, half Groceries, half Household. Snap the receipt or split by hand, and your budgets stop lying about a single line.
Goals that pace themselves
Set a target and a date. It tells you the exact weekly number to land on time, then nudges you the moment you slip behind.
Your ledger,
kept honestly.
On the first connect we pull up to 24 months of history. From then on, every transaction stays with us, even after Plaid drops it from the bank's window. Disconnect a bank and the history is archived, not deleted. You decide if and when to permanently remove it.
Polished pages.
Not a settings maze.
Every page does one job well. Inline edit, bulk operations, CSV in and out, deep-link from anywhere.
Categories.
Every transaction sorted into the right bucket. Budgets pace themselves through the month, flagged early if one is going to miss.
Nudges that fix it.
When a nudge has a safe, reversible fix, it carries an Approve button. One tap recategorizes a merchant, drops a charge from budgets, or removes a cancelled subscription from your tracker. Nothing happens until you approve, and money is never moved automatically.
Ask anything about your money.
Get an exact answer.
Type a question in plain English. FinNudge answers from your own transactions, budgets, and goals. Common questions are computed directly from your ledger (exact, not guessed). Harder ones get a careful AI answer with sources cited.
See the shape
of your year.
FinNudge plots every dollar in and every dollar out across the last twelve months, so trends are visible, not buried. Compare this month to the same month last year, drill into any category, and watch the line that actually matters: net.
The boring guarantees,
stated plainly.
Read-only Plaid
We can’t move money. We can’t open accounts. We never see your bank credentials.
plaid.scope = transactions_readAES-256 at rest, TLS in transit
Encrypted on disk and on the wire. Standard industry primitives, no proprietary cleverness.
aes-256-gcm · tls 1.3Two-factor authentication
Lock sign-in with a code from any authenticator app. Backup codes for the day you lose your phone.
totp · backup_codesNever sold, never shared
Your data is yours. AI chat history is purged after 30 days. One-click delete anytime in Settings.
sold: false · shared: falseFair. Predictable.
Cancel anytime.
Spark is free. Founding Plus is $4.99/mo or $39/yr. The first 500 members keep this rate.
Spark
FreeTry the nudge model on one bank. No card.
- ✓1 connected bank
- ✓Spending Signals + Subscription Watch agents
- ✓1 savings goal
- ✓5 Ask FinNudge questions / month
- ✓Last 60 days of history visible
- ✓Manual entry + CSV import
Founding Plus
7-day trialThe full toolkit. The founding rate is grandfathered for as long as you stay subscribed.
- ✓Unlimited connected banks
- ✓All daily AI agents
- ✓Full 12-month cash flow chart
- ✓Unlimited savings goals
- ✓Bill reminders
- ✓Net worth tracking
- ✓50 Ask FinNudge questions / month
- ✓Full transaction history
- ✓CSV import + export
Frequently asked,
plainly answered.
What exactly does Plaid let FinNudge see?+
If I sign in with Google, what does that grant?+
How does the Founding Plus trial work?+
How do I cancel?+
Do you sell or share my data?+
What’s the difference between a nudge and a rule?+
Can the agents change my data on their own?+
What happens when I disconnect a bank?+
Where does AI chat history go?+
Can I import history from another app?+
Things we will never do.
Stated plainly, so we can be held to them.
- We will never sell your transaction data.
- We will never show ads in the app.
- We will never delete your transactions when you disconnect a bank.We archive them so your history stays intact.
- We will never auto-renew your subscription at a higher price.The founding rate stays as long as your subscription does.
- We will never train AI on your data.Our AI provider does not use customer inputs to train its models.