The personal finance app
that also speaks agent.
FYN categorizes every transaction itself, flags possible double charges, and follows each dispute until the refund arrives.
Ask it anything, and let your AI agents check with it before they spend.
Free forever plan · No credit card · Read-only bank access
Every purchase, one clear picture.
Capture spending from an AI receipt scanner, emailed receipts, or automatic bank sync. FYN connects the details other expense trackers leave behind.
Receipts
Snap a photo from your phone. AI extracts every detail: line items, prices, return policies. A transaction is created automatically.
Forward order confirmations and digital receipts to your unique FYN address. Set up a forwarding rule and never think about it again.
Bank Transactions
Connect your accounts via Plaid. Every transaction syncs, and FYN categorizes each one itself. Receipts and emails auto-match to bank charges.
Three signals, one financial memory. Start free with receipts and email. Upgrade to Pro to add bank sync. Browse visually or ask questions conversationally.
How FYN works
One brain. Three ways to use it.
FYN categorizes every transaction itself and only flags the ones it might have wrong. It keeps your budget, bills, and receipts current, then puts that to work.
It works on its own
FYN spots a possible double charge, asks what you want to do, and drafts the dispute letter for you to send. Then it tracks the bank's deadlines until the refund arrives.
You ask it
Ask FYN answers from your own numbers: what you spent, what's left in the budget, and whether a $400 purchase fits this month.
Your agents check with it
Connect any AI agent with access you approve and can revoke. Before it spends, it can ask FYN, which answers with your balance, what's left in that budget, and the bills still due. FYN never holds or moves money.
Bank sync and FYN's follow-up on charges are Pro. Connected agents get read-only access. Coming soon: spending limits and approvals for your agents.
Pro
One financial brain, across everyday money.
Prices, debt, dining, travel, groceries, and cost of living, all from the same household facts. Pro includes every one, with nothing to pick or set up.
- Prices
- Debt
- Dining & habits
- Splurge & travel
- Grocery & meals
- Cost of living
It notices. Then it follows through.
Every morning FYN checks your accounts and receipts for double charges, price increases, and budget pressure, and offers the next step. Here's what that can look like.
Netflix increased from $17.99 to $19.99
You've been charged the new rate for 2 months. Keep it, or FYN can draft a cancellation letter.
Target may have charged you twice
Your receipt shows one $64.18 purchase, but your bank shows two. FYN can draft the dispute letter.
Groceries budget is 82% spent with 11 days left
$410 of your $500 grocery budget used. At this pace you'll exceed it by ~$85.
Refund arrived for the $64.18 Target charge
A $64.18 credit posted on Oct 9, the amount of the extra Target charge from Oct 3. Nothing left to do.
Illustrative examples. FYN can push the important ones. Letters are drafts you send yourself: FYN never contacts your bank.
Your entire household.
One dashboard.
Know how your household spends — no matter who makes the purchase. Invite your partner, share accounts, and stay on the same page about money.
Invite your household
Add your partner, family, or roommates. Everyone sees consolidated accounts, transactions, and budgets in one shared workspace. Set roles — owners, members, or view-only.
Nudge each other
See a charge that looks off? Tap to nudge. “What's this?”, “Was this you?”, “Can we return this?” — one-tap questions that send a push notification, no awkward conversation needed.
Forward receipts by email
Get a unique email address for your household. Forward any receipt — Amazon, Uber, Target — and FYN extracts every detail automatically. Set up a forwarding rule and forget about it.
Proactive smart alerts
FYN watches every transaction in real time. Large purchases, spending spikes, budget thresholds, subscription price changes — everyone in the household gets notified automatically.
Watch your net worth grow together. Consolidated accounts across the household, tracked over time. Everyone contributes, everyone benefits.
Ask FYN
anything.
“How much did we spend on groceries?” “Can I afford a $400 bike this month?” Ask FYN answers from your own transactions, receipts, and budget.
It finds problems
before you do.
Every morning FYN checks your transactions and receipts for spending changes, subscription creep, budget risk, and price changes on things you rebuy. On Sunday you get a recap: bills due, budgets over, and what FYN is following for you.
A receipt is more than a total.
FYN puts every line to work.
Bank feeds know where you shopped. FYN knows what you bought, what it cost, who shared it, when you can return it, and where money may be waiting to come back.
Split the bill by what everyone ordered.
Scan the receipt, assign line items, and mark the shared plates. FYN allocates tax and tip proportionally, reconciles every cent, and prepares payment-request links.
Friday dinner
6 items · $142.86 total
You owe
$70.43
Sam owes
$72.43
Search the things you bought
Ask “What size air filter did I buy?” or “How much was the laptop at Costco?” FYN searches merchants, dates, and individual line items—not vague bank descriptions.
Turn receipts into protection
FYN reads return windows, reminds you before they close, and writes the return request for you in chat.
Find money you can reclaim
Catch a lower price on something you can still return, and spot a trip where your member number didn’t make it onto the receipt.
Lower price
$9.49 → $7.29
Return by
Oct 31
See the changes totals hide
See what the things you rebuy cost each trip, and when a pack got smaller for the same price.
Financial clarity
in your pocket.
Snap receipts in seconds. Ask questions about your spending while you're out. The full power of FYN, optimized for mobile.
InfrastructurePricing Built for Everyone
No credit card required • 2-minute setup
Free
- 20 receipt scans/month
- 20 AI chat queries/month
- Receipt OCR & smart search
- Auto-created transactions from receipts
- Money Console
- 1 group member
Pro
- Everything in Free
- Live bank syncing via Plaid
- Up to 15 bank accounts
- 200 receipt scans/month
- 500 AI chat queries/month
- Full transaction history
- Unlimited group members
- Autopilot Stories & Scenario Q&A
- Advanced forecasting & data export
- Priority support
Personal finance, without the guesswork.
The short answers to the questions people ask before getting started.
What is FYN?
FYN is an AI personal finance app. It brings receipts, emailed purchases, and bank transactions together, categorizes every transaction itself, and follows up on what it finds. You can ask it anything, and your AI agents can check with it before they spend.
Can I use FYN without connecting a bank account?
Yes. The free plan lets you scan receipts, forward purchase emails, create transactions automatically, and ask questions about the data you add. Bank syncing is available on Pro.
How is FYN different from a traditional budgeting app?
Budgeting apps organize what already happened and leave the sorting to you. FYN categorizes every transaction itself and only flags the ones it might have wrong. Then it acts on what it finds: a possible double charge gets a dispute letter drafted for you, and FYN tracks the bank's deadlines until the refund arrives.
Does FYN work for couples and households?
Yes. You can share accounts, transactions, receipts, and budgets in one household workspace with role-based access for partners, family members, or roommates.
Can my AI agents use FYN?
Yes. Any compatible AI agent can connect through FYN's read-only MCP server or Agent API, with access you approve and can revoke. It can read your budgets, transactions, and receipts, and, before it spends, ask FYN about a purchase. FYN answers with your balance, what's left in that budget category, and what's left after the bills still due. FYN keeps a record of those checks and never holds or moves money.
Why use FYN if my AI agent can already see my bank?
A bank feed shows charges. FYN adds what they mean: a category for every transaction, budgets that keep up, receipt line items, and shared household records. Your agent gets that whole picture through read-only access you can revoke. Bank syncing is available on Pro.
What does FYN cover with Pro?
Prices, Debt, Dining & habits, Splurge & travel, Grocery & meals, and Cost of living, all from the same household facts. FYN covers every one for Pro households, with nothing to pick or set up.
How does FYN split a restaurant bill?
Scan the itemized receipt, assign each item to a person, and mark anything shared. FYN allocates tax and tip proportionally, reconciles the result to the printed total, and prepares payment-request links.
Comparing apps? Read our guides to the best budget apps in 2026, YNAB vs Monarch Money, and the best Mint alternatives.
Put FYN to work.
Receipts, emails, and bank transactions — in one brain that does the work.
Ask it anything. Let your agents check with it before they spend.
✓ No credit card required ✓ 2-minute setup ✓ Free forever plan