FinlyOne AI. Priced by how much of your money it manages.
Every plan runs the same intelligence on everything you give it. What changes is how many assets, goals and debts you can hand over. Expenses and budgets are unlimited throughout.
Starter
A first portfolio, a goal to hit, a loan to clear.
billed monthly
The AI manages
- Assets5
- Goals2
- Debts and loans2
- Expenses and budgets∞
- Recurring bills and receipts∞
Growth
Most pickedA real portfolio, several goals, more than one EMI.
billed monthly
The AI manages
- Assets25
- Goals10
- Debts and loans10
- Expenses and budgets∞
- Recurring bills and receipts∞
Wealth
Everything you own and owe. No ceiling anywhere.
billed monthly
The AI manages
- Assets∞
- Goals∞
- Debts and loans∞
- Expenses and budgets∞
- Recurring bills and receipts∞
Unlimited AI credits
Ask the AI as much as you want, on every plan, until 30 September 2026. No credit meter, no per-message counting — put it to work as hard as you like while you decide what it is worth.
The whole table, nothing hidden
| Compare plans | Starter$5/mo | Growth$14/mo | Wealth$29/mo |
|---|---|---|---|
What the AI manages for you The only thing that changes between plans. | |||
| Assets tracked | 5 | 25 | ∞ |
| Goals | 2 | 10 | ∞ |
| Debts and loans | 2 | 10 | ∞ |
Always unlimited The AI needs all of this to keep its numbers right, so it is never rationed. | |||
| Expenses | ∞ | ∞ | ∞ |
| Budgets and categories | ∞ | ∞ | ∞ |
| Recurring bills | ∞ | ∞ | ∞ |
| Receipt scanning | ∞ | ∞ | ∞ |
| Accounts | ∞ | ∞ | ∞ |
The intelligence Every plan gets the full intelligence until 30 September 2026 — you are buying capacity, not a smarter AI. | |||
| Net worth and asset intelligence | |||
| Copilot access | |||
| Proactive alerts and nudges | |||
| Debt payoff and prepayment mathIn build | |||
| Goal and FIRE projectionsIn build | |||
Everything else | |||
| AI usage credits (until 30 September 2026) | ∞ | ∞ | ∞ |
| Data export and account deletion | |||
| Email support | |||
Your subscription is the entire business model.
Most finance apps are free because the real product is you — a card offer, a personal loan, a referral fee. Finly takes none of that: no ads, no lending partners, no commissions on anything you hold. The AI has nothing to steer you into, which is the point.
The things people ask before paying
What counts against my plan's limits?+
Only assets, goals and debts — the things the AI does deep work on. Expenses, budgets, recurring bills, receipts and accounts are unlimited on every plan, because the AI needs all of them to keep its numbers accurate. Rationing them would only make the product worse.
What happens if I hit a limit or move down a plan?+
Nothing is deleted. Anything over your new plan's limit becomes read-only — it still counts toward your net worth and the AI still reasons about it, you just cannot edit it until you are back under the limit or move up again. You can switch plans as often as you like.
What does "unlimited AI credits" mean?+
Until 30 September 2026 you can ask the AI as much as you want on any plan — no credit meter, no per-message counting. Work it as hard as you like while you decide what it is worth to you. You will be told well ahead of anything changing here, and early users are informed first.
Is the AI better on the more expensive plans?+
No. Until 30 September 2026 every plan gets the full intelligence — the same AI doing the same work, whichever plan you are on. The plans differ only in how much of your financial life you can hand it. You are buying capacity, not intelligence.
What is live today and what is still being built?+
Live: asset and net worth management, expenses, budgets, recurring bills, receipts and the copilot across all of it. In build: debt payoff intelligence, goal tracking and FIRE projections. They arrive on the plan you are already on, at no extra cost.
What happens after the 30-day trial?+
You pick a plan and are billed from that point. The price you join at is locked for your account — if list prices move later, yours does not. You can cancel at any time.
Which currency am I billed in?+
All plans are priced and billed in US dollars, wherever you are in the world.
Try it on everything you own, for 30 days.
Start on any plan. Move up or down once you see how much of your financial life you want to hand over.
Start free trial