Finio: Personal Finance

Your finances, your way. Finio is personal finance for the way you live — whether your money spans three currencies and two households, or you just want one clear place to track what's in and what's out.

Three currency groups. Shared and private accounts. AI insights you can chat with. Apple Pay, bank texts, and bank notifications that post straight in — notifications need iOS 27. Recurring rules for every bill, loan, and savings transfer. AI, auto-capture, and household sharing are part of Pro; it all runs on-device — there is no Finio server.

Watch how Finio works: kupsstudios.com/finio/watch

—

MULTI-CURRENCY, FIRST-CLASS
Up to three currency groups, each with its own accounts, categories, and budgets. Daily exchange rates keep it all comparable. Switch the display currency and the whole app re-totals — every currency you hold, in one net worth. Built for expats, freelancers across borders, and anyone juggling a legacy account in a country they left. Free covers one group; Pro unlocks the second and third.

HOUSEHOLD AND PRIVATE, ONE APP
Keep your own books. Share the household ones. iCloud sync — no shared password, no Finio server in the middle. Each partner sees their private data plus the joint pool.

ASK FINIO *
On-device chat, powered by Apple Intelligence. Ask "What changed this month?" or "Where did dining go up?" and get answers in plain English, drawn from your own numbers. Nothing leaves your phone.

CAPTURED FOR YOU
Apple Pay logs itself when you tap. Bank texts get parsed on your phone — the message body never leaves it. If your bank doesn't send texts, Finio can take the notifications its app posts instead (iOS 27). All three parse on your device, not on a server. Anything uncertain is flagged for review, never silently misclassified. Each turns on once, with Apple Shortcuts. Auto-capture is part of Pro.

RECURRING, ON AUTOPILOT
Rent, subscriptions, loan payments, the payday savings transfer — set the rule once, Finio posts on schedule. Enter a payment by hand each month and Finio offers to set the rule. Convert any credit-card purchase into a 2–24 month payment plan.

DEEP BUDGETS THAT FIT REAL LIFE
A custom cycle start day. Variable, fixed, and no-budget category types — so a fixed rent doesn't drown out the spending you can control. Savings targets, and a daily, weekly, or monthly view of where your money is going. Custom category icons via Image Playground.

EVERYWHERE YOU LIVE
Home Screen and Lock Screen widgets for at-a-glance budget and net worth. An iPad layout with a sidebar and inline detail panes. Runs on Apple Silicon Macs.

PRIVATE BY DESIGN
Your data stays on your phone. No Finio backend. No third-party trackers. No ads. The only outbound calls are Apple iCloud sync (if you opt in), the App Store, Apple Maps for merchant categorisation, and a once-a-day public exchange-rate fetch. Data export is always free — even on an expired subscription.

PLANS
Free, Single Pro, and Household Pro:
- Free covers the basics with caps on how much you can track.
- Pro lifts the caps and turns on Ask Finio and AI Insights; Apple Pay, bank text, and bank notification auto-capture; and the second and third currency groups.
- Household Pro covers both partners via Apple Family Sharing. Cancel anytime from iOS Settings — your data stays, and you can continue on Free.

* Ask Finio and AI Insights are part of Pro. They require iOS 26 and a supported iPhone. All AI runs on the device — nothing leaves your phone.

—

Finio is built by KupsStudios.
www.kupsstudios.com

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://kupsstudios.com/legal#finio