FinlyAn AI that actually
grows your money.
Finly's AI grows your assets, kills your debt faster and walks you to your goals — and to FIRE. It handles the day-to-day spending too, so it always knows where you stand.
Total net worth
+ ₹42,180 this month₹18,64,920
How it adds up
₹33,14,920
− ₹14,50,000
₹18,64,920
What you own, less what you owe.
Also handled
- Spending & budgets
- Recurring bills
- Multiple accounts
- Receipt-photo logging
Finly Copilot
up ₹42,180 this month — almost all of it equity. nothing to do here.
Grows your assets
It watches equity, funds, FDs, property and gold, and tells you what's actually moving your net worth.
Kills your debt
SoonIt ranks what to clear first and works out what a prepayment really saves you.
Walks you to FIRE
SoonYou set the target. It projects the path and tells you what would pull the date closer.
Handles the day-to-day
It logs, categorises and budgets your spending — the input that keeps everything above it honest.
No fabricated testimonials. Just an AI that does exactly what it says it does.
The AI works from computed math, not guesses. It explains every figure it gives you and never authors one.
It never touches your bank. You tell it what you hold, and it takes the work from there.
Every holding, loan and expense exports on request, or deletes outright. Any time, no questions.
Every money app stops at telling you where it went. None of them help you end up with more.
Categories, pie charts, a monthly summary. It's a record of the past, and the actual decisions — pay down the loan or top up the SIP, whether the goal is even reachable — are still left entirely to you. Finly puts an AI on that side of the problem. It reads your whole picture, does the math, tells you which move gets you further, and keeps checking as things change. You decide; it does the work.
I tracked on a Notion spreadsheet for years and still couldn't answer the only question that mattered — am I actually getting anywhere? This app is what I wish had existed.
You log it → You categorise it → You figure out the rest
The app hands you a tidy record of money you've already spent, and stops there.
You say what you own and owe → the AI works the plan
"prepay ₹2L or top up the SIP?" → it runs both, and tells you which one gets you there sooner.
An app that tracks tells you what happened. An AI that manages changes what happens next.
Three jobs the AI works on for you.
Assets up. Debt down. Goals closer. It does the reading, the math and the prompting — you just make the calls.
It grows your assets
Tell it what you hold — equity, mutual funds, FDs, RDs, real estate, digital gold — and it keeps your net worth in one number, watches what's actually pulling it up, and flags money sitting idle that could be working. No brokerage or demat linking needed.
It kills your debt faster
It takes every loan, card and EMI and works out the order that clears them soonest. Ask what a prepayment would buy you and it does the months-and-interest math before you commit — then keeps nudging you at the moments it actually pays to act.
It gets you to FIRE
A down payment, a trip, or the whole thing — the number that lets you stop working. You set the target; it projects the path from what you actually own, owe and save, tells you what would pull the date closer, and says so when you drift off it.
Finly narrates. It never fabricates.
The AI does the guiding, not the arithmetic. Your net worth, the payoff schedules, the goal and FIRE projections are all computed deterministically from the numbers you gave it — then the AI reads those results, explains them, asks the right question and tells you what to do next. It doesn't invent a figure, and it can't round one in its own favour.
It handles the day-to-day, so the intelligence stays honest
Budgets and expenses aren't the pitch — they're what keeps the rest of it accurate. So the AI does that part almost entirely for you.
It handles expenses & budgets
Say what you spent the way you'd say it out loud — "coffee 4, lunch 220, petrol 80" — and it categorises, logs and counts it against your budget in seconds. It warns you before you cross a limit, and offers to move money across when a category is going unused.
You just talk to it
The copilot isn't a separate feature — it's how you reach the AI at all. Add a holding, log a loan, set a budget, ask what a prepayment does to your FIRE date. It does the rest, in one conversation instead of four screens and a form.
It runs your recurring bills
Rent, subscriptions, EMIs — set it once and it logs them for you every cycle.
It reads your receipts
Photograph a bill and it pulls out the amount, categorises it and logs the expense.
It tracks every account
Cash, bank, credit card — it keeps balances straight across all of them, with nothing to link.
What's shipped, and what's next
Live today: the AI manages your assets and net worth, your spending and your budgets. These are the jobs it's learning next — no vague someday roadmap, just what's being built right now.
Debt intelligence
It ranks your loans, cards and EMIs by what to clear first, and shows the months and interest a prepayment saves.
Goal tracking
A trip, a college fund, a down payment — you set the target and it projects when you get there.
FIRE projections
It works out your number and your date, and shows what changing the savings rate does to both.
Financial hygiene
Emergency fund, term insurance, health insurance — it finds the gaps in your safety net and tells you.
Smart suggestions
It reads assets, debts, goals and spending together, and nudges you when one of them should move.
Two things from you. The rest is the AI.
You tell it what you own and owe
Holdings, loans, EMIs, account balances — in plain language, through the copilot. Nothing to link, nothing to authorise. Ten minutes once, and it takes it from there.
You say what you spend as you go
"spent 40 on lunch, coffee 4, groceries 350." A few seconds, whenever you remember — and it categorises, logs and budgets the lot for you.
It works the plan from then on
It watches net worth move, ranks what to pay off first, projects your goals and FIRE date, and comes to you when something is worth acting on. You make the calls — it does the thinking and the math.
Finly only makes money when you pay for it.
Most finance apps are free because the real product is you — a credit card offer, a personal loan, a referral fee. Their incentive is to get you borrowing — so that's what their product nudges you toward. Finly's only revenue is the subscription you pay: no ads, no lending partners, no commissions on anything you hold, so the AI has nothing to steer you into.
Which means the only way Finly wins is if the AI actually grows your money.
Privacy isn't a feature. It's the foundation.
Finly is built from the ground up to protect your financial privacy.
No bank access
The AI never connects to your bank or asks for credentials. You stay in full control of what it knows.
No data selling
Your financial data is yours alone. We don't sell, share or monetise it. Ever.
Full data export
Export every holding, loan, expense and budget any time — your data is never locked in.
Delete any time
One tap deletes your account and every trace of your data. No retention, no dark patterns.
Priced by how much it manages
Same AI on every plan. What changes is how many assets, goals and debts you hand it — expenses and budgets are unlimited throughout.
30 days free on every plan, and unlimited AI credits until 30 September 2026. The price you join at is locked for your account.
Frequently asked questions
How is this different from a budget app?+
A budget app records where your money went and leaves the decisions to you. Finly puts an AI on the decisions: it works out what your holdings are growing into, which debt to kill first and what a prepayment actually saves, and whether your goals and FIRE date are reachable at your current rate — then tells you what to do about it. Budgets and expense tracking are in there, but they're the input it works from, not the point.
Does the AI make up the numbers?+
No. Net worth, payoff schedules and projections are computed deterministically from what you've entered — the same math every time, no model guessing. The AI reads those results, explains them and guides you; it doesn't author them. Ask where any figure came from and it will walk you through the inputs.
What's actually live today, and what's still being built?+
Live: the AI manages assets and net worth, expenses, budgets, recurring bills and receipts, and you reach all of it through the copilot. In build right now: debt intelligence, goal tracking and FIRE projections. They land on the same plan at no extra cost — the roadmap section marks each one honestly.
Can Finly track my investments and assets?+
Yes — equity, mutual funds, FDs, RDs, real estate and digital gold. Tell it what you hold and update values whenever you check in; it keeps your full net worth in one number and watches what's moving it. No brokerage or demat linking required.
Does Finly connect to my bank account?+
No. It never links to your bank or asks for credentials. You tell it what you hold, owe and spend, and it works from that — which is exactly why your data stays private.
How does Finly make money?+
The subscription, and nothing else. No ads, no loan or credit card offers, no affiliate commissions on anything you hold. Plans run from $5 to $29 a month, which means Finly only does well if you keep finding it worth paying for.
What happens after the free trial?+
After 30 days you pick a plan — Starter at $5/month, Growth at $14 or Wealth at $29, each with two months off if you pay yearly. The price you join at is locked for your account. You'll always be told before anything changes, and you can cancel any time.
What counts against my plan's limits?+
Only the things the AI does deep work on: assets, goals and debts. Starter covers 5 assets, 2 goals and 2 debts; Growth covers 25, 10 and 10; Wealth has no limits at all. Expenses, budgets, recurring bills and receipts are unlimited on every plan — the AI needs all of them to keep its numbers honest, so they're never the thing you're rationing. Full breakdown on the pricing page.
What are unlimited AI credits?+
Until 30 September 2026, you can ask the AI as much as you like on any plan — no credit meter, no per-message counting. Put it to work as hard as you want while you work out what it's worth to you. You'll be told well ahead of anything changing there, and early users are informed first.
Do I have to log every expense manually?+
You type what you spent, but you do it the way you'd say it out loud — "coffee 4, lunch 220" — and the AI categorises, logs and budgets it from there. Recurring bills it handles on its own every cycle, and you can photograph a receipt instead of typing it.
How is my data secured?+
Your financial data is yours alone — never sold, never shared. You can export everything or delete your account and all its data with a single tap, any time.
Which platforms does Finly support?+
Finly is a progressive web app — open it in any browser on any device, and install it to your home screen for a full app experience. No app store needed.
Start with one number: what you're worth today.
Tell the AI what you own and owe. It starts working on the gap from day one. 30 days free.
Works on any device — install it to your home screen for the full app experience.