Finny
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The App: Manual Logging Elevated
Finny is an iOS-only expense tracker built around a simple premise: you log your spending, and the app gets smarter about how. Rather than syncing to your bank, Finny helps you capture transactions as they happen through Apple Pay, screenshots, receipt photos, or quick manual entry. The developer positions it as "the expense tracker that logs itself," with AI handling the extraction and categorization work.
Finny runs exclusively on iPhone. There's no web app, no Android version, and no desktop client. The entire experience centers on your phone, which fits the app's design philosophy around quick logging at point-of-purchase. The app's minimalist approach appeals to users who found spreadsheets tedious and bank-connected apps either too invasive or unreliable. Multiple users in testimonials explicitly note switching from Google Sheets and finding Finny dramatically simpler and faster to maintain, which suggests the app solves a real friction point in personal expense tracking.
How Money Gets Logged
Finny has no bank connectivity whatsoever. The site explicitly states "No bank linking, ever," which means you're managing transactions manually. This is not a limitation if you prefer that workflow, and it's a genuine differentiator in a space where most competitors default to bank sync.
Finny offers three logging paths. First, Apple Pay integration captures transactions automatically on iPhones that use Apple Pay for purchases. The app reads the notifications, extracts the merchant name and amount, assigns a category, and stores the entry all without you opening the app. Second, you can log any payment you can see, either by screenshotting payment confirmations or typing manually. The app accepts payments from Amazon and Shopee orders, Uber and Grab rides, PayNow, PayPal and Venmo transfers, bank app notifications, e-receipts and card statements. Third, Finny can scan physical receipts, and the site says you can scan 5 at once, with results landing in your expense list.
Refreshing happens as you log transactions. There's no background sync waiting for bank statements; each entry is recorded when you capture it. For people outside the US who use local payment apps, this manual-first approach opens up flexibility. You can log anything you can see, regardless of whether it came through a bank.
You can integrate Finny with Apple Shortcuts, and the app's developer has published a shortcut called "Finny Log" that lets you trigger logging from anywhere on your iPhone, even without opening the app. That workflow suits people who want to log spending while still in a different app.
Categories and Tracking
Finny organizes spending into categories. When you log an entry, you assign a category, a payment method, and optionally a note. The app shows basic reporting through graphs of where your money goes, though the homepage doesn't detail the visualization options. The site mentions features like recurring transaction tracking and alerts before due dates, but doesn't explain how those work. It also lists saving plans and debt tracking among its offerings, though they aren't described on the homepage.
The app offers features for multiple devices with synchronization, though details about how syncing works across phones or tablets aren't published on the homepage. For international users, the app supports 150+ currencies, and the site shows that spending from different payment systems lands in one total. A user in Nigeria noted they can't use Apple Pay in their country but set up an iOS Shortcut to log transactions immediately after closing their bank app, and praised this flexibility as superior to their previous Google Sheets setup.
Entry capture happens instantly or nearly so: the site emphasizes you can log amounts, categories, and payment methods "in seconds without ever opening the app." This speed is meaningful for people who find traditional expense apps interrupt their day too much. Once set up with Shortcuts, logging a transaction becomes a simple background action rather than a dedicated app session.
Pricing and What's Free
Finny displays "Get Finny Free" repeatedly on its homepage, but never specifies what that includes. The site doesn't publish a free tier, a trial length, or a paid plan pricing. One testimonial mentions "3 free months of the pro subscription," suggesting a paid tier exists, but the pricing page wasn't captured, so the cost of that tier, what the free version limits, and what Pro adds are all unknown. Anyone considering Finny needs to check the app store or the full site to learn the pricing terms before subscribing.
Who It Suits
Finny works best for iPhone-only users comfortable with manual expense logging. The app shines for people who travel internationally, because it supports 150+ currencies and requires no bank account setup, just snap or type, pick a currency, and track. The automatic Apple Pay capture appeals to people who pay with that method and want minimal friction. The testimonials highlight users who switched from Google Sheets or other trackers and appreciated the simplicity and modern design compared to their previous tools.
Finny is not for anyone who wants bank-connected spending. It's not for Android users. It's not for people who want automated income tracking or investment tracking, though the site hints those might exist as future features. And if you need detailed budgeting rules, custom categories, or collaborative household accounts, the homepage doesn't advertise those.
The app has accumulated substantial user enthusiasm. It won "#1 Product of the Day" on Uneed, and testimonials praise the design, the developer's responsiveness, and the simplicity compared to spreadsheets. One user reported the developer offered three free months of the pro subscription after a data loss incident and fixed the underlying bug with a follow-up app update. Users across Nigeria, Singapore, the US, Turkey, Vietnam, Spain and other countries report using it successfully, suggesting the multi-currency and manual-entry approach resonates globally.
The app emphasizes that it's easy to set up once and then forget about the mechanics: "Set it up once and forget it is there." Another description notes the Quick Log feature means "the capture is saved with the entry," so you have proof of each payment. For people burned by complicated expense apps that required too much friction, Finny's focus on speed and simplicity is the main draw. The design itself earns frequent mention: testimonials describe it as having "modern visuals" and noting that "a lot of care went into the user experience." For expense tracking to stick, it has to not feel like work, and Finny's design philosophy seems to prioritize that goal above feature completeness.