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Personal budgeting and net-worth app with an assistant that answers money questions against your own linked accounts.
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.
One plan at EUR 6.99/month (about $7.50) after a 14-day free trial; annual billing is advertised as 17 percent cheaper but the annual figure is not shown. No free tier.
Use tool ↗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.
Watch out: Trial-to-paid is automatic; the pricing page states you must cancel before the 14 days are up to avoid being billed.
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