Build a money plan that actually works
Overview
Plans fail when they describe the month you wish you had rather than the one you live. A plan that works starts from real numbers, leaves room for the unplanned, and is reviewed often enough to stay true.
Key Capabilities
Start from what actually happened.
Finos builds the first draft of a plan from your last three months, so every limit begins as something you have already done.
Real averages
Each category's limit starts at what you typically spend, not at a guess.
Room for surprises
A buffer line that absorbs the unexpected without breaking the plan.
Income and timing
Bills placed against the paydays that cover them.
Setup Instructions
Give the plan one month before judging it. The second month is where the adjustments start to show.
01 — Review the draft
Accept the suggested limits, or change the ones you know will differ.
02 — Add the goals
Savings and debt payments go in as fixed lines, not leftovers.
03 — Check weekly
A two-minute look midweek catches a drift before it becomes a miss.
Security & Privacy
The plan lives in your workspace, encrypted, and is shared only with people you invite. Export it any time; delete it and it is gone.
Questions, answered clearly.
Your membership brings connected accounts, cards, budgets and goals into one workspace, with planning views, shared access controls and support included.
Yes! You can connect multiple bank accounts and payment cards in one place, making it easy to track transactions, monitor balances, and manage your finances.
Your financial data is protected with secure encryption, strict access controls, and industry-standard security practices to help keep your personal and financial information safe.
Yes! You can invite team members or trusted individuals to your workspace and manage their access permissions to ensure everyone can access only the information they need.
During the 14-day review, you can explore your financial activity, review connected accounts, and evaluate how well the platform meets your needs before making a final decision.
Absolutely! You can cancel your subscription, change your billing plan, or update your payment method at any time through your account settings.
Budgets and goals together
