Everything you need to stay on top of your money

Simple on the surface, powerful underneath. Financio does not only store your data, it reads it for you.

Add anything in seconds

Quick Add turns a purchase into a transaction in a few taps, and suggests the category from your own history.

Accounts, categories and subcategories of your own
Category suggestions learned from your past transactions
Expenses, income and transfers between accounts

Quick Add with an amount, the suggested category Dining out and the Scan Receipt and Upload Receipt buttons.

Never lose a receipt

Scan it, and Financio reads the merchant, the date, the time and the total for you, then lists every line so you can check it adds up. Choose to keep a private copy of the receipt attached to the transaction, so it is there when you need it.

Scan or pick a photo: text recognition runs on your device
Every line item, checked against the total
Keep the receipt with the transaction and download them all as an archive (Premium, off until you turn it on)
5 free scans a month, unlimited with Premium

A scanned receipt with the merchant, date, time, category and total filled in.

Budgets that you can actually keep

Set a monthly limit for the categories that matter and see at a glance how much is left. Get a heads-up before you cross it, and put money aside for goals with reserves.

Monthly limits per category with progress bars
Alerts at the level you choose
Reserves for savings goals (Premium)

Budget limits for Dining out, Shopping and Groceries with progress bars.

Reports that explain, not just add up

See how income and spending move month by month, and how much of your income you keep. Cashflow charts show where you are heading, not only where you have been.

Income, expenses and savings rate
Monthly trend and cashflow over time
By category, by account, by currency

A monthly trend chart of income and expenses and a cashflow line.

Insights that point at the real story

A financial health score, the month that cost you most and why, categories that keep climbing. Smart reports tell you what changed instead of leaving you to hunt for it.

Financial health score and what drives it
Unusual months explained, with the category behind them
How exchange rates affected you (Premium)

The financial health score with notes about spending, budgets and the most expensive month.

Your net worth, over time

Accounts, savings, investments, debts and the things you own, in one number and one history. Watch it grow, month after month.

Balances across accounts and currencies
Loans and money owed to you
Things you own, valued by you

Net worth with a history chart and a breakdown into cash, savings and investments.

Compare two years

Pick any two years and see which categories grew and which shrank, with the exact difference. It is the quickest way to see what a year really changed.

Year over year growth for expenses or income
Top subcategories side by side

A year over year comparison of expenses between 2025 and 2026, down 16 percent.

Your whole history, even offline

Browse and search every transaction, add new ones on a plane, and let the app sync when you are back online. Find any transaction from your phone's search too.