Finme

Are we really... making money? Ever found yourself asking: "Where did all my money go?" by the third week of the month, despite having just been paid? You have probably tried plenty of budgeting apps, only to give up after a few days because logging every coffee or pint was tedious, and sterile spreadsheets felt overwhelming. Finme was born from that exact frustration. We did not set out to build another rigid bookkeeping app to judge your lifestyle. Finme is designed as your clever financial companion—helping you see where your money really goes, warning you before you run short, and guiding you to master your cash flow with confidence. KEY FEATURES OF FINME 1. Frictionless, lightning-fast logging - Voice logging: Tap the mic and speak naturally (e.g. "Lunch £12"). Finme AI understands and categorises it instantly. - Receipt scanner (OCR): Snap a receipt from your grocery run or dinner out, and the app breaks down the items in seconds. - Siri Shortcuts & Widgets: Log an expense straight from your Lock Screen or ask Siri without opening the app. - Smart QR & payment links: Automatically logs your spend and opens your banking app for quick payment. 2. Fi Ni Virtual Assistant Managing finances no longer has to be lonely. Fi Ni brings personalised guidance with the attitude you choose: - Warm: Cheerful encouragement that celebrates your savings milestones. - Candid: Straight-talking, realistic advice that highlights where you are overspending. - Witty: Cheeky British banter that playfully calls out unnecessary buys while giving practical solutions. 3. Live market & asset updates Keep track of your total net worth in one unified place: - Gold & precious metals prices - Stock market tracking (UK market currently in development) - Savings interest benchmarks Your net worth automatically adjusts, keeping your financial picture accurate without manual calculations. 4. Certified Financial Planner (CFP) standards - Made simple Built alongside certified financial planners with over 20 years of expertise: - 13 comprehensive reports: Cash flow, debt reduction, asset allocation, and savings targets. - Proper accounting logic: Distinguishes between daily expenses and capital outflows (like investments and loan repayments), so investments are never mistaken for lost money. TRANSPARENT & HONEST PRICING: - 100% FREE LIFETIME PLAN: Full access to daily expense logging, income tracking, multi-wallet management, and budgeting forever. No trials, no surprise paywalls. - PREMIUM UPGRADE: Unlocks all 13 in-depth financial reports, long-term projections, and a 100% ad-free experience. OUR SOLEMN PRIVACY PLEDGE Financial data is private. Our principle is simple: "Your data belongs to you". - Offline-First: All transaction records remain securely on your iPhone. Works fully without an internet connection. - End-to-End Encryption (E2E): Cloud sync is multi-layer encrypted on secure servers. Even our developers cannot view your spending. - Bank safety: We NEVER ask for your online banking passwords, debit card PINs, or OTP codes. - Device respect: No contact snooping, no GPS tracking, no reading private messages. - NO DATA SELLING: We never sell or rent your personal information to third parties or advertisers. - Total control: Delete your account and wipe all stored data permanently at any time directly in the app. Financial wellness is not about pinching pennies until life feels miserable. It is about having clarity, living freely, and building a secure future with peace of mind.