The money app that
does the work for you.
FYN sorts every purchase, keeps your budget and bills up to date, and catches what you'd miss, like a double charge or a price hike. Link your bank free, or just pay with your phone.
Free forever with your bank, receipts, and ChatGPT or Claude · No credit card
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How FYN works
It sorts. It watches. It answers.
Most money apps hand you charts and leave the sorting to you. FYN sorts every purchase itself, checks on things every morning, and answers your questions in plain English.
It sorts every purchase
Every purchase lands in the right category on its own, and FYN only asks about the few it isn't sure of. No spreadsheet, no rules to set up.
It catches what you'd miss
A double charge, a subscription that went up, a bill your balance can't cover. FYN tells you and offers the next step, like drafting the dispute letter.
It answers in plain English
Ask “How much did we spend on groceries?” or “Can I afford a $400 bike this month?” and FYN answers from your own numbers.
FYN's follow-up on charges, like dispute letters, is on Pro.
Link your bank free, or don't.
Link your bank and everything comes in on its own. Or skip the bank login: your phone logs Apple Pay and Google Wallet taps as you pay, and FYN reads the receipts you snap or forward.
Bank accounts
Link your bank through Plaid, with its checking, savings, and cards. Every transaction comes in and gets sorted, and your receipts, emails, and taps match up with the bank charges. Pro links more banks.
Tap to pay
Pay with Apple Pay or Google Wallet and the purchase is in FYN seconds later, pinned where you paid, before your bank posts it. No bank login needed.
Receipts
Snap a photo and the AI receipt scanner reads every line, price, and return policy, then adds the purchase for you.
Forward order confirmations and digital receipts to your own FYN address. FYN does the rest.
All of it, in one picture. Start free with your bank, taps, receipts, and email, and add more banks on Pro when you want them.
It notices. Then it follows through.
Every morning FYN checks your accounts and receipts for double charges, price increases, and budgets running hot, and offers the next step. Here's what that looks like.
Netflix increased from $17.99 to $19.99
Keep it, or ask FYN how to cancel it.
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 to your phone. Letters are drafts you send yourself: FYN never contacts your bank.
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.
See where the month
is heading.
FYN shows where your spending is heading before the month is over. Every 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.
Your bank knows 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.
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 the same accounts, transactions, and budgets in one shared space. 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.
Watch your net worth grow together. Every linked account in the household, tracked over time.
Works in ChatGPT
Already use ChatGPT? Ask it about your real money.
Connect your bank to ChatGPT through FYN, free: link it in FYN, add the FYN plugin, and ChatGPT can answer from your actual spending, budgets, and receipts. It can see your numbers. It can't move your money.
Free FYN accounts can connect, bank included. You approve access and can remove it at any time.
ChatGPT, using FYN
You spent $412 on restaurants in October, $58 more than in September. Most of it was weekend dinners.For AI power users
Let your AI agents check before they spend.
Claude, Cursor, Codex, or any MCP client connects to FYN with one URL. Before an agent buys something, it can ask FYN whether it fits: your balance, what's left in that budget, and the bills still due. Read-only, with access you approve and can revoke.
1
Copy the server URL
Most assistants only need this URL.
https://mcp.fyn.fyi2
Add it as a custom connector
Paste the URL in Claude, Cursor, or any other MCP client.
3
Sign in with FYN
Use your FYN account when asked.
Financial clarity
in your pocket.
Your phone logs each Apple Pay and Google Wallet tap as you pay, before your bank posts it. Snap receipts at the counter, and ask about your spending from anywhere.
InfrastructureStart free with your bank. Add your household on Pro.
No credit card required • 2-minute setup
Free
- One bank connection through Plaid
- Receipt OCR & smart search
- Ask FYN, or ask from ChatGPT and Claude
- Home, autopilot budget & spending map
Pro
- Share FYN with your partner and household
- Everything in Free, with more banks and higher limits
- AI-written insight cards & dispute letters
- Price history, trip tools & data export
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 that does the busywork for you. It brings in your spending from your bank, Apple Pay and Google Wallet taps, receipts, and emailed orders, sorts every purchase, keeps your budget and bills up to date, and tells you when something needs a look, like a double charge. Ask it anything in plain English, in the app or in ChatGPT.
Is FYN free?
Yes, with no credit card. The free plan links one bank, scans your receipts, answers your questions, and lets ChatGPT or Claude read your money. Taps, emailed receipts, statement imports, your budget, and the spending map are free too. Pro is for sharing FYN with your household and linking more banks.
Can I use FYN without connecting a bank account?
Yes. Your phone logs Apple Pay and Google Wallet taps as you pay, and you can scan receipts, forward purchase emails, or import a statement. FYN turns each one into a transaction and answers questions about them. When you want your bank in too, the free plan includes one bank connection.
Is my money safe with FYN?
FYN can see your numbers, but it can never move your money. Bank links go through Plaid with read-only access, your data is encrypted in transit and at rest, and you can disconnect a bank or an app at any time.
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.
Can I use FYN in ChatGPT?
Yes. Add the FYN plugin in ChatGPT and sign in to FYN. ChatGPT can then answer from your real spending, budgets, and receipts. Access is read-only, so ChatGPT can see your numbers but can't move money, and you can remove it at any time.
Does FYN work for couples and households?
Yes. On Pro you can invite your partner, family members, or roommates into one household and share accounts, transactions, receipts, and budgets, with role-based access for each person.
Can my AI agents use FYN?
Yes. In ChatGPT, add the FYN plugin. Claude and any other compatible AI agent connect through FYN's MCP server. Either way, access is read-only, you approve it, and you can revoke it. An agent 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, on the free plan too.
What does Pro add?
Pro is $9.99 a month. It adds your household, with unlimited members to share FYN with a partner or family, up to 15 bank accounts across more than one bank, higher monthly limits, AI-written insight cards and dispute letters, price history, trip tools, data export, and priority support. Pro also includes FYN's six focus areas: prices, debt, dining, travel, groceries, and cost of living.
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, Copilot Money vs Monarch Money, and the best Mint alternatives.
Put FYN to work.
Link your bank free, or just pay with your phone. FYN takes it from there, and you can ask it anything, in the app or in ChatGPT.
✓ No credit card required ✓ 2-minute setup ✓ Free forever plan