Every dollar accounted.
Every habit improved.
Quiet by default. Loud when it matters.
FinNudge reads your transactions every morning, learns what's normal for you, and surfaces only the moments worth acting on.
We tell you what changed.
You decide what to do about it.
Each agent owns one job and writes at most a handful of nudges per day. Every nudge is dismissible, actionable, and deep-links to the relevant page. No daily digest, no inbox bankruptcy.
Spending Patrol
Per-category overspend pacing. Alerts at 80%, 100%, and over-budget.
Anomaly Detector
Flags single transactions that look unusual versus your pattern at that merchant.
Subscription Watchdog
Catches quiet price hikes, duplicate subscriptions, and 60-day unused subs.
Savings Coach
Goal-pace nudges and contribution suggestions when income lands above the median.
Cash Flow Monitor
Month-over-month income and expense shifts, with median-based forward projection.
Net Worth Monitor
Flags unexpected drops in net worth across all connected accounts.
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.
The action inbox our agents write into. Dismiss, act, or deep-link to context.
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 1.3Never 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 stays 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?+
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 is contractually prohibited from using your inputs for training.