Finio: Personal Finance

Personal finance that fits how you live. Multi-currency, household-aware. Your data stays on your phone — no Finio server, no cloud AI

Your finance, your way. Finio is personal finance for the way you actually live — whether your money spans three currencies and two households, or you just want one clear place to track what's in and what's out.

Three currency groups. Shared and private accounts. AI insights you can chat with. Apple Pay and bank SMS that post straight in. Recurring rules for every bill, loan, and savings transfer. AI, auto-capture, and household sharing are part of Pro; it all runs on-device — there is no Finio server.

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MULTI-CURRENCY, FIRST-CLASS Up to three currency groups, each with its own accounts, categories, and budgets. Daily exchange rates tie everything to a comparable picture. Switch the display currency and the whole app re-totals — every currency you hold, in one net worth. Built for expats, freelancers across borders, and anyone juggling a legacy account in a country they left. Free covers one currency group; Pro unlocks the second and third groups.

HOUSEHOLD AND PRIVATE, ONE APP Keep your own books. Share the household ones. iCloud sync — no shared password, no Finio server in the middle. Each partner sees their private data plus the joint household pool.

ASK FINIO * On-device chat, powered by Apple Intelligence. Ask "What changed this month?" or "Where did dining go up?" and get a plain-English answer in seconds. Nothing leaves your phone.

CAPTURED FOR YOU Apple Pay logs itself when you tap. Bank SMS gets parsed on your phone — the message body never leaves it. Anything uncertain is flagged for review, never silently misclassified. Both turn on with a one-time setup using Apple Shortcuts. Auto-capture is part of Pro features.

RECURRING, ON AUTOPILOT Rent, subscriptions, loan payments, the savings transfer that has to happen on payday — set the rule once, Finio posts on schedule. Finio also spots repeating merchants and offers to set the rule for you. Convert any credit-card purchase into a 2–24 month payment plan.

DEEP BUDGETS THAT FIT REAL LIFE A custom cycle start day. Variable, fixed, and no-budget category types — so a fixed rent doesn't drown out the discretionary spend you can actually control. Savings targets, and a daily, weekly, or monthly view of where your money is going. Custom category icons via Image Playground.

EVERYWHERE YOU LIVE Home Screen and Lock Screen widgets for at-a-glance budget and net worth. An iPad layout that uses the extra space — sidebar with inline detail panes. Runs on Apple Silicon Macs.

PRIVATE BY DESIGN Your data stays on your phone. No Finio backend. No third-party trackers. No ads. The only outbound calls are Apple iCloud sync (if you opt in), the App Store, Apple Maps for merchant categorisation, and a once-a-day public exchange-rate fetch. Data export is always free — even on an expired subscription.

PLANS Free, Single Pro, and Household Pro. Free covers the basics with caps on how much you can track. Pro lifts the caps and turns on Ask Finio and AI Insights; Apple Pay and SMS auto-capture; and the second and third currency groups. Household Pro covers both partners via Apple Family Sharing. Cancel anytime from iOS Settings — your data stays, and you can choose to continue on Free.

• Ask Finio and AI Insights are part of Pro features. They require iOS 26 and a supported iPhone. All AI runs on the device — nothing leaves your phone.

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Finio is built by KupsStudios. www.kupsstudios.com

Privacy policy: https://kupsstudios.com/legal/#finio Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/