A budget app that fills itself in
Most budgets fail because keeping them up to date is manual work. Finch connects your bank accounts, categorises every transaction automatically and shows whether you are on track — with an AI coach that explains why a month went off plan.
Finch at a glance: A budget app that fills itself in
- Finch is a personal finance app for Europe that connects all your bank accounts in one place.
- Bank connections use regulated PSD2 Open Banking and are strictly read-only — Finch can never move money.
- Finch supports thousands of banks across the EU, EEA, the UK and Switzerland, plus neobanks such as Revolut, N26, Wise, bunq, Monzo and Starling.
- Balances, transactions, investments and crypto sync automatically, so net worth updates without manual entry.
- The built-in AI finance coach explains spending patterns, flags subscriptions and suggests budget changes in plain language.
- Finch supports multiple currencies including EUR, GBP, CHF and USD, and is GDPR-compliant with bank-grade encryption.
Automatic categorisation
Groceries, rent, transport, subscriptions, eating out: transactions are sorted the moment they land, across every card and account. You can rename categories, split transactions and set rules that stick.
Budgets that adapt, including 50/30/20
Start from the 50/30/20 rule — 50% needs, 30% wants, 20% savings — or build your own envelopes. Finch compares your real spending against the plan each month and flags the categories drifting first.
See savings goals and net worth together
Budgeting only makes sense next to the bigger picture, so Finch also tracks savings goals, investments and total net worth. You see what this month's discipline does to your long-run trajectory.
Frequently asked questions — A budget app that fills itself in
Do I have to enter expenses manually?
No. Finch imports transactions directly from your connected bank accounts and categorises them automatically.
Can I still budget in cash?
Yes, manual transactions and manual accounts are supported alongside synced accounts.
Does Finch work with more than one currency?
Yes — EUR, GBP, CHF and USD accounts can be budgeted together, converted into your main currency.
Is there a free budget template?
Yes. You can download the free Finch budget planner spreadsheet with the 50/30/20 structure already set up.