Fincio - AI Finance Manager

Meet your personal AI CFO. Fincio tracks every account, scores your financial health, and gives expert money advice through natural conversation. Budget smarter, cut debt faster, and build real wealth — in 160+ currencies.
WHETHER YOU'RE PAYING OFF DEBT, BUILDING AN EMERGENCY FUND, OR GROWING YOUR NET WORTH, FINCIO GIVES YOU THE FINANCIAL CLARITY YOU DESERVE.

YOUR AI CFO — ALWAYS ON CALL
Stop guessing. Your AI CFO knows your full financial picture: every account, the last 90 days of transactions, your goals, and your health score. Ask anything.
- "Am I on track to pay off my credit card by June?"
- "Where did most of my money go last month?"
- "Add groceries $120, coffee $8, gym $50"
Your AI CFO can even log multiple transactions in one message — just say what you spent. No more tedious manual entry.
Free plan: 3 AI conversations per day
Pro plan: Unlimited conversations, deeper analysis
FINANCIAL HEALTH SCORE — KNOW WHERE YOU STAND
Your 0–100 Financial Health Score is calculated from three proven metrics:
- Savings rate
- Debt-to-income ratio
- Emergency fund coverage
Color-coded and updated in real time. Green means you're thriving. Red means your AI CFO has actionable advice waiting.

DASHBOARD — YOUR WEALTH AT A GLANCE
Everything important, in one view:
- Net worth across all your accounts
- 6-month cash flow bar chart (income vs. expenses)
- Debt overview and payoff progress
- Financial goal tracking with progress bars
- AI insight cards surfacing what matters most

FULL ACCOUNT MANAGEMENT
Add and manage every account type:
- Checking and savings
- Credit cards
- Loans and mortgages
- Investments and retirement accounts
Transfer money between accounts with a tap. Your net worth updates instantly.

TRANSACTION TRACKING, YOUR WAY
Log income, expenses, and transfers with full detail. Then find anything fast:
- Filter by date range, category, or account
- Search transactions by merchant or keyword
- Category manager to organize spending your way

REPORTS THAT REVEAL THE FULL PICTURE
Stop wondering where your money goes. Fincio gives you:
- Income vs. expenses over time
- Category spending breakdown
- Monthly trend analysis
- Net worth history chart
See the story behind your numbers, not just the numbers.

BUILT FOR THE ENTIRE WORLD
Fincio is designed for everyone, everywhere:
- 195 countries supported
- 160+ currencies with live-accurate formatting
- Country-aware AI advice (retirement accounts, tax systems, local financial norms)
Whether you earn in USD, GBP, INR, or AED — Fincio speaks your financial language.

FINANCIAL GOALS — PROGRESS YOU CAN SEE
Set goals for anything: emergency fund, holiday, down payment, debt payoff. Visual progress bars and AI coaching keep you motivated and on track.

PRIVACY YOU CAN COUNT ON
Your financial data is yours. Fincio does not sell your data, share it with advertisers, or use it to train AI models. All data is encrypted in transit and at rest. You can delete your account and all associated data at any time from within the app.

PREMIUM — FINCIO PRO
Start free with 2 months on us — full Pro access, no charge until your trial ends.
Pro Weekly: $1.99/week
Pro Monthly: $4.99/month
Pro Annual: $49.99/year (save 17%)
Pro includes: Unlimited AI CFO conversations, full reports suite, advanced filtering, and priority access to new features.
Subscriptions are managed through your Apple ID. Cancel anytime in Settings > Apple ID > Subscriptions. Payment is charged at confirmation of purchase. Subscriptions auto-renew unless cancelled at least 24 hours before the end of the current period.
Privacy Policy: https://fincio.pointerapps.net/privacy
Terms of Use: https://fincio.pointerapps.net/terms