Four specialized engines. One intelligent ledger.
Test the live calculation engines that automate discretionary budgeting, debt acceleration, and policy protection.
Adjust the sliders above to see how Finly dynamically cushions upcoming commitments to derive safe disposable spending.
Race against your financial ghost.
Finly projects your 30-day historical baseline as a virtual pacing ghost. Stay behind the ghost to automatically lock in monthly savings.
Ghost Race
Day 18 of 30Your pace vs your 30-day baseline pace ($3,600/mo)
It finds the patterns in your money. Then it proves it's right.
Finly mines your own transaction history for statistically real habits — not generic tips — and only speaks up when the evidence clears a strict bar. No pattern, no claim.
Discovered laws
Payday spending spikes, weekly rhythms, recurring habits — each one backed by a count you can check yourself, never a guess.
Self-graded forecasts
Every morning it predicts your next 7 days. A week later it grades itself against what actually happened — publicly.
Evolving archetype
Your spending personality, tracked month to month — so you can see exactly when and how it changed.
Discovered law
68% of purchases land within 3 days of payday
11 of 14 pay cycles · established, not guessed
Built for total financial transparency.
Every layer in Finly operates in harmony to record, classify, and protect your capital in real time.
Forensic Analytics & Hierarchical Breakdowns
Filter by custom date ranges, multi-tier categories, and merchant clusters. Track historical trendlines with granular drilldown precision.
Spoken Morning Brief & Voice AI
Get a personalized 15-second spoken digest of your daily Safe-to-Spend limit, upcoming bills, and velocity over morning coffee, synthesized in sub-100ms via Cartesia.
Model Context Protocol (MCP) Server
Connect external AI clients like Claude Desktop, Cursor, or autonomous agents directly to your Finly ledger via secure streamable HTTP tokens. Query affordability, log transactions, and trigger simulations from your editor.
Biometric Passkeys & Offline PWA
Unlock instantly via FaceID or TouchID hardware enclaves. Transactions are cached in IndexedDB and synchronized automatically when reconnecting.
How fast you are spending
Compare current month spending momentum against your 30-day baseline to catch runaway discretionary spikes before month-end.
Statement Parser & Rules Engine
Drag and drop CSV or Excel bank exports. Finly auto-reconciles transactions and applies custom rule categorizations instantly.
Why modern spenders leave legacy budget apps.
Traditional budget apps look backward at what you already spent. Finly protects your forward cash flow trajectory.
Security and privacy engineered at the protocol level.
Financial software demands absolute integrity. Finly is architected from day one to protect your sovereignty.
WebAuthn Passkey Authentication
Log in with FaceID, TouchID, or hardware security keys. Phishing-resistant FIDO2 protocol with zero shared password vulnerability.
Zero Data Brokerage & Monetization
Your financial data is strictly yours. Finly does not sell records, display targeted ads, or share telemetry with third-party brokers.
Hardware-Encrypted Offline Cache
Local transactions and ledger caches are shielded on-device with authenticated session tokens and encrypted client transport.