FinWise
Verified Oct 15, 2026 ActivePersonal budgeting and net-worth app with an assistant that answers money questions against your own linked accounts.
Listed on EffectHub ·
Pricing
- Pricing model
- Paid
One plan at EUR 6.99 a month after a 14-day free trial, with annual billing advertised at 17 percent off; the page shows prices only in euros, so no USD figure is listed. No free tier.
Use tool ↗About FinWise
FinWise is a consumer money app: budgets, linked accounts, transaction feeds, bill tracking, net-worth history, spending trends and forecasts. Its AI assistant sits over that data, handling account onboarding, answering questions about your own finances and nudging you about spending patterns rather than giving generic tips. It ships on iOS and Android with a browser app at app.finwiseapp.io. The publisher is FinWiseApp, Corp., registered in Delaware. There is no free tier — after a 14-day trial the single plan bills monthly, with an annual option advertised at 17 percent off.
- API
- Yes
- Last verified
- Oct 15, 2026
Verified sources
- Pricing section: 14-day free trial, then billed EUR 6.99 monthly; annual option saves 17%; cancel before the trial ends (15 October 2026)finwiseapp.io ↗
- Developer API page: REST API to all your FinWise data and a Connect your AI / MCP option; footer reads FinWiseApp, Corp., registered in Delaware, USA (15 October 2026)finwiseapp.io ↗
- Home page FAQ: bank connectivity in the US, Canada, most of Europe and South Africa; iOS and Android apps at feature parity with web (15 October 2026)finwiseapp.io ↗
Is FinWise legit?
We don’t label tools safe or unsafe. Below are the records we checked ourselves, each with the date we read it.
- TLS certificate
- Issued by Google Trust Services, valid until Dec 21, 2026Seen in our own connection to the site on Oct 15, 2026
- Last checked
- Oct 15, 2026The site answered
- Operated by
- FinWiseApp, Corp., United StatesOur research, card verified Oct 15, 2026
Pros & cons of FinWise
A tidy single-price budgeting app whose differentiator is an assistant grounded in your linked accounts rather than a generic chatbot. One plan, one price, no upsell tiers — but also no free tier, so you commit after two weeks. Pricing is quoted in euros despite a Delaware publisher, which is a small but real currency risk.
Pros
- Covers budgets, accounts, transactions, bills, trends and forecasting in one app
- The assistant answers against your own account data and handles onboarding
- Native iOS and Android apps plus a browser app
- Single flat plan under $10/month with no feature-gated tiers
Cons
- No free tier at all — the 14-day trial converts to a paid subscription
- Priced in euros, so the dollar cost drifts with the exchange rate
- Bank connections cover the US, Canada, most of Europe and South Africa, but not yet Australia or New Zealand
Best for
- People who want budgeting, bills and net worth in one app
- Users who prefer asking questions about their money instead of building reports
- Anyone wanting a flat sub-$10 monthly price with no feature tiers
Not for
- Users who want a permanently free budgeting tool
- Anyone needing investment portfolio analysis or tax features
Watch out: Trial-to-paid is automatic; the pricing page states you must cancel before the 14 days are up to avoid being billed.