The AI that organizes your money and your debt.

Spending, bills, goals and investments in one place — with a clarity no spreadsheet gives you. Simple to keep up with, and no bank connection required.

Scan the receipt The AI reads amount, date and items from the photo
Say your expense "lunch $12 on debit" and it's done
7 days of Pro, free, in 3 steps No credit card required Photo, voice or statement Your data under your control
5.0 · 10 reviews on Google Play
09:41 Hi, Igor 👋 Left this month $4,820.35 ▲ +2.4% Jan Feb Mar Apr May Jun Recent transactions Supermarket Food · today −$142.80 Salary Income · yesterday +$5,200.00 Goal: Trip 62% complete
✓No bank connection ✓No ads, ever ✓Your data encrypted ✓Export or delete your data in the app ✓Free to start
The problem

Sound familiar?

Most people lose track of their money for lack of a tool that actually works day to day.

Forgotten bills

Bills piling up without warning. Unnecessary fees and interest every month from pure lack of organization.

Uncontrolled spending

Money disappears and you don't know where it went. Your credit card statement is always higher than expected.

Mysterious balance

You don't know how much is left at the end of the month. Financial decisions are always a guess.

Complicated spreadsheets

You started a spreadsheet, abandoned it by the second week. Too complex to maintain day to day.

Apps that only show numbers

Cold tools that display data but don't tell you what to do with it. No context, no insights.

Monthly expenses
$3,240
72% of budget
Left this month
$1,580
+$220 vs last month
Goal: Trip
$4,200
62% complete
Upcoming bills
Credit card 5 days $1,240.00
Internet 10 days $99.90
Rent 18 days $2,100.00
The solution

Everything in one place. Clarity in seconds.

FinnoFlow brings your finances together, turns numbers into context, and shows you what to do with them — effortlessly.

  • Dashboard with a complete monthly view in seconds
  • Automatic alerts for upcoming bills
  • Financial goals with visual tracking
  • Smart insights to identify where you can save
  • Professional reports in PDF or Excel
  • Centralized investment tracking
Features

Everything you need in one app

Built for those who want simplicity with depth — no manual typing, no hassle.

Smart Statement

Record and categorize transactions automatically. Advanced filters to find any entry.

Statement Import

Import your OFX or CSV statement in one go — no typing entry by entry. The file is read on your device and never leaves it. You can also fill in the app's own Excel template.

Bills to Pay

Mark each bill as paid and see at a glance what is already paid and how much is still left this month. Upcoming due dates at a glance, with a phone reminder before each one — never pay a late fee again.

Financial Goals

Set goals with deadlines and amounts. Track progress with a clear view of each objective.

Smart Insights · Pro

Analyses that identify patterns in your spending and show where you can save. Clarity on your habits, effortlessly.

Investments · Pro

Track your entire investment portfolio in one place. Returns, allocation and asset growth.

PDF/Excel Reports · Pro

Export complete reports with one tap. For planning, organizing your data and analysis.

Advanced Dashboard

Consolidated real-time view. Evolution charts, category breakdown and monthly summary.

Shared Wallet · Pro

One wallet for your couple and one for each group of friends — a trip, a shared house, a barbecue (up to 4 groups, 8 people each). Shared transactions, goals and budget in real time, with the app working out who pays whom. Want to keep something to yourself? Mark it private: not even the other members can see, edit, or delete it.

Credit Cards

Add your cards and track each statement as it closes throughout the month. Never get caught off guard by the due date again.

Debt Payoff Simulator

Add a loan, a revolving credit card balance or financing — your installment purchases come in on their own. Compare five strategies (snowball, avalanche and more) and see how much interest you will pay and when you will be debt-free.

Bank Accounts

Add your accounts (checking, wallet, savings…) and track the balance of each one. Moving money between them never inflates your monthly spending.

Balance Forecast · Pro

See how much you will have in 30, 60 or 90 days, already counting your bills, recurring entries and the card installments still to come.

Your App, Your Way · Pro

Hide what you don’t use and put what matters first: choose the modules in the menu and on the home screen, in the order you like. A lean app with only what makes sense for you.

People already using it

A perfect score from everyone who rated it.

Plans

Simple. Transparent. No surprises.

Start free. Take your first 3 steps in the app — log an expense, add a bill and check your spending by category — and get 7 days of Pro, no credit card. Cancel anytime.

Save 40%
Free
Free
forever

  • Statement, categories & rules
  • Statement import (OFX/CSV)
  • Bills to pay & budget
  • Financial goals
  • No ads, ever
  • Credit cards & statement tracking
  • Debt payoff simulator
  • Bank accounts & transfers
  • Recurring entries
  • Smart insights
  • Investments & reports
Start free
Security

Your data protected.
Always.

We take your privacy seriously. We honor U.S. state privacy rights and Brazil's LGPD, and the Privacy Policy says, in plain words, where each piece of data is kept.

Secure Connection

Encrypted communication with HTTPS and TLS on all operations. Your data never travels unprotected.

Your privacy rights

You can access, correct, export and delete your data — the rights U.S. state privacy laws provide, which we extend to every user. Account deletion is done in the app itself.

Data Encryption

Data encrypted at rest on Google Cloud infrastructure, under keys it manages. Isolation between accounts is enforced server-side on every read: your account only ever reaches its own data.

Use Without Connecting a Bank

No connection to your bank: no Open Banking, no password, no token. You add entries by typing, by photographing the receipt, or by importing the statement you downloaded from your own bank.

Real Privacy in the Wallet

A transaction marked private stays private: the other wallet members can't read it, edit it, delete it, or make it visible again. The rule is enforced on the server, not just hidden on the screen.

Genuinely Accessible

We aim to follow the international WCAG 2.2 standard: touch targets, color contrast and keyboard navigation have automated tests on the main screens.

Start today. It takes under a minute.

Join the people who decided to understand their money — no spreadsheets, no hassle.