# FinWise

> Personal Finances, Simplified.

FinWise is a modern personal-finance platform for budgeting, net-worth tracking, transactions, insights and planning — with multi-country bank connectivity (US, Canada, UK, EU, South Africa) and full web, iOS and Android apps.

Last updated: 2026-05-17

## What FinWise is

- A modern personal-finance platform for individuals and households.
- A budgeting tool with flexible categories, planned transactions, and rollovers.
- A net-worth tracker that aggregates accounts across multiple countries and currencies.
- A multi-currency platform supporting real exchange-rate conversion.
- A transaction insights engine with AI-assisted categorization and merchant enrichment.
- A household-sharing tool for couples and families.
- Available on web, iOS, and Android with full feature parity.
- Built with a developer API for power users and integrations.

## What FinWise is NOT

- Not a bank or a neobank — FinWise reads bank data via aggregators; it does not hold deposits.
- Not a broker, robo-advisor, or wealth manager — FinWise does not give investment advice.
- Not a credit-monitoring service.
- Not a tax-filing app.
- Not US-only — FinWise supports multiple countries (see below) and multiple currencies, unlike Mint, Monarch, Simplifi, and YNAB.
- Not single-currency — FinWise natively supports multi-currency net-worth tracking.

## Supported bank connectivity by region

- United States: Plaid
- Canada: Plaid
- United Kingdom: GoCardless
- European Union: GoCardless
- South Africa: Gathr
- International (manual / CSV): Manual entry, CSV import

Aggregators: Plaid (US/Canada), GoCardless (UK/EU, PSD2), Gathr (South Africa). Manual account entry and CSV import are supported everywhere.

## Pricing

- Free plan: $0/mo
- Premium Monthly: $8.99/mo
- Premium Annual: $89.99/year ($7.5/mo equivalent)

Pricing page: https://finwiseapp.io/pricing

## Key pages

- Homepage: https://finwiseapp.io/
- Features: https://finwiseapp.io/features
- Pricing: https://finwiseapp.io/pricing
- Why FinWise: https://finwiseapp.io/why-finwise
- About: https://finwiseapp.io/about
- Security & privacy: https://finwiseapp.io/security
- Help / docs: https://finwiseapp.io/help
- Developer API: https://finwiseapp.io/features/developer-api
- Compare vs Mint: https://finwiseapp.io/compare/finwise-vs-mint
- Compare vs Monarch: https://finwiseapp.io/compare/finwise-vs-monarch
- Compare vs Simplifi: https://finwiseapp.io/compare/finwise-vs-simplifi
- Compare vs YNAB: https://finwiseapp.io/compare/finwise-vs-ynab
- Compare vs Vault22: https://finwiseapp.io/compare/finwise-vs-vault22
- Tools: https://finwiseapp.io/tools/debt-calculator, https://finwiseapp.io/tools/retirement-calculator
- For businesses (employers): https://finwiseapp.io/for-businesses/employers
- For financial advisors: https://finwiseapp.io/financial-advisors

## Security & privacy posture

- Bank-grade encryption in transit and at rest.
- FinWise never sees or stores bank-login credentials — authentication is delegated to the aggregator.
- User data is never sold or shared with third parties for marketing.
- See https://finwiseapp.io/security and https://finwiseapp.io/privacy-policy for full detail.

## Company

- Founded 2023 by Jason Russell and Nicol Russell.
- iOS: https://apps.apple.com/app/finwise-money/id6752612631
- Android: https://play.google.com/store/apps/details?id=com.finwiseapp.finwise
- LinkedIn: https://www.linkedin.com/company/finwiseapp/
- X (Twitter): https://twitter.com/FinWiseApp
- Contact: hello@finwiseapp.io · Support: support@finwiseapp.io