Fincio: AI Money Manager

New: an interactive guide walks you through every feature in 8 steps. Your AI finance assistant is ready — start your free trial today.

Your money, sorted. Fincio is a personal finance app that tracks every account, scores your financial health, and gives plain-English money advice through a friendly AI chat. Budget smarter, clear debt faster, and grow your net worth — across 160+ currencies.

WHETHER YOU'RE PAYING OFF A CREDIT CARD, BUILDING A RAINY DAY FUND, OR GROWING YOUR SAVINGS, FINCIO GIVES YOU THE CLARITY YOU DESERVE.

YOUR AI MONEY COACH — ALWAYS ON HAND

No more guessing. Your AI coach knows the full picture: every account, the last 90 days of transactions, your goals, and your health score. Ask anything.

• "Am I on track to clear my credit card by June?"
• "Where did most of my money go last month?"
• "Add Tesco £42, coffee £3.50, gym £45"

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 score is calculated from three proven measures:

• Savings rate
• Debt-to-income ratio
• Rainy day fund coverage

Colour-coded and updated in real time.

DASHBOARD — YOUR MONEY AT A GLANCE

Everything that matters, in one view:

• Net worth across all your accounts
• 6-month cash flow chart (income vs. spending)
• Debt overview and payoff progress
• Goal tracking with progress bars
• AI insight cards for what matters most

FULL ACCOUNT MANAGEMENT

Add and manage every account type:

• Current and savings accounts
• Credit cards
• Loans and mortgages
• Investments and pensions

Move money between accounts in a tap. Net worth updates instantly.

TRANSACTION TRACKING, YOUR WAY

Log income, spending and transfers with full detail. Find anything fast:

• Filter by date, category or account
• Search by merchant or keyword
• Category manager to organise spending

REPORTS THAT REVEAL THE FULL PICTURE

• Income vs. spending over time
• Category breakdown
• Monthly trend analysis
• Net worth history

BUILT FOR THE WHOLE WORLD

• 195 countries supported
• 160+ currencies with accurate formatting
• Country-aware AI advice (pensions, tax systems, local norms)

GOALS — PROGRESS YOU CAN SEE

Set goals for anything: rainy day fund, holiday, deposit, debt-free date. Visual progress bars and AI coaching keep you 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. Delete your account and all associated data anytime from the app.

PREMIUM — FINCIO PRO

Start free with 2 months on us — full Pro access until your trial ends.

Pro Weekly, Monthly and Annual options are available. Pro includes: unlimited AI conversations, full reports, 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