
The AI personal finance app that automatically detects spending drift, subscription leaks, and financial risks.
Visit WebsiteThe Bottom Line
Entry price
Free plan available, paid tiers above
Biggest pro
Free tier offers core AI chat and unlimited tracking.
Biggest con
Advanced features like proactive alerts and cashflow optimization are locked behind a Pro subscription.
TL;DR - Finlingo
- AI-powered app for personal finance and budgeting.
- Automatically detects spending drift, subscription leaks, and financial risks.
- Offers personalized AI guidance and proactive financial insights.
What is Finlingo?
Available on: iOS, Android
Pros & Cons
Pros
- Free tier offers core AI chat and unlimited tracking.
- Proactive detection of financial issues like spending drift and subscription leaks.
- Personalized AI guidance based on real financial data.
- Bank-level encryption ensures data security.
- Clear grouping of spending for better visibility.
Cons
- Advanced features like proactive alerts and cashflow optimization are locked behind a Pro subscription.
- Daily message and insight limits on the free plan might be restrictive for some users.
Key Features
Pricing Plans
Pricing checked Jul 13, 2026
Finlingo Free
$0 / forever
- AI chat with Finny
- Unlimited transactions
- Unlimited bank accounts
- Dashboard & tracking
- 20 messages per day
- 2 insights per day
Pro Monthly
$14.99 / month
- Everything in Free
- Unlimited AI messages
- Unlimited financial insights
- Unlimited voice mode
- Subscription leak detection
- Proactive financial alerts
- AI credit card recommender
- Cashflow optimizer
Pro Yearly
$118.99 / year
- Everything in Free
- Unlimited AI messages
- Unlimited financial insights
- Unlimited voice mode
- Subscription leak detection
- Proactive financial alerts
- AI credit card recommender
- Cashflow optimizer
Is Finlingo worth the price?
Finlingo's pricing is fair, offering a generous free tier with core AI chat and tracking.
The Pro Yearly tier at $9.92/month (effectively) provides significant value for unlimited AI features compared to the monthly option at $14.99. This pricing structure is best for users who are serious about long-term financial management and want to leverage AI fully.
Hidden Costs & Gotchas
Free tier has strict daily message/insight limits.
No free trial for Pro tiers, commitment required.
Yearly discount requires upfront payment.
Specific integrations might incur external costs.
How Finlingo Compares to Competitors
Compared to Mint (now Credit Karma) which was free but ad-supported, Finlingo offers a more advanced AI-driven experience. While YNAB is $14.99/month or $99/year, it's a different budgeting philosophy; Finlingo's Pro Yearly at $118.99 offers AI-driven proactive insights that YNAB lacks for a similar annual price point.
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Finlingo FAQ
How does Finlingo help users manage their personal finances?
Which teams or individuals benefit most from using Finlingo?
How does Finlingo's subscription leak detection compare to Rank (Formerly Moni)?
What kind of limitations should users be aware of with Finlingo?
How is Finlingo priced?
Can Finlingo connect to multiple bank accounts for comprehensive tracking?
How does Finlingo provide personalized financial guidance?
Source: finlingo.ai