Envelope budgeting, tracking IOUs, and saving together with family — in one single app that never touches your actual money.
Free forever · No credit card required
Finly doesn't store your money — we are just a secure ledger.
Dining
$15.00 left
Snacks
$10.00 left
Transport
$15.00 left
Broke by the 10th of the month, and remaining money disappears without trace.
“Hey, how much did I lend you yesterday? Now it's awkward to ask.”
Saving for family goals or vacations on WhatsApp chat threads that get buried.
Finly is built to solve all three.
A zero-based envelope budgeting method designed around your specific income dates, not standard 1-31 calendar months. Assign every single coin to envelope categories until your planned balance is fully allocated.
Ready to Assign
$0
Log debts or loans complete with due dates. Share a private, secure, transparent summary status link with your counterparty via WhatsApp without any awkwardness.
WhatsApp Reminder:
“Hi Budi 🙏 Just a friendly reminder, there is a remaining outstanding balance of $15.00. You can check the remaining details and payment history directly here: finly.app/d/xt9... Thank you!”
Budi's Loan
$15.00 left
Save together with your family without moving actual money out of your respective individual bank accounts. Finly acts as a neutral transparent log keeper. Group members upload transfer receipts for admin verification.
Snap physical receipts, invoices, or upload bank statement screenshots. Finly's AI instantly extracts the amount, date, merchant, and correct budget category automatically. You just give a final confirmation before it's logged into your envelopes.
Automatic extraction of total, tax, merchant name, and smart category recommendations.
Upload GoPay, OVO, ShopeePay, or bank screenshots directly.
Simply record: "spent twelve dollars on coffee this morning" and the AI records it instantly.
Starbucks Coffee
Lobby Area • Jakarta, ID
Merchant
Starbucks Coffee
Amount
$9.90
Envelope Category
🍜 Food & Dining
Payment Method
💳 E-Wallet
Get full access to the most advanced financial planning features with no hidden fees.
Rp0
Selamanya gratis untuk pengguna baru
Rp 249.000/tahun
Satu kali bayar per tahun (Setara Rp20k-an/bln)
Rp 29.000/bulan
Bayar bulanan, batalkan kapan saja
Finly is deliberately designed 100% independent from banks. We are purely a smart ledger and budget planner prioritizing your security and peace of mind.
We never hold, store, or touch a single penny of your money. All your physical balances remain completely secure in your actual banks or e-wallets.
No need to link banking passwords, PINs, or sensitive financial APIs. Finly is entirely free from risks associated with direct bank account access breaches.
Your records are fully encrypted with robust security standards. You are the absolute owner of your data — export to CSV/Excel or delete it at any time.
Enjoy a smart ledger system with no minimum balance penalties, no artificial transfer fees, and no stealth monthly administrative deductions.
Have other questions about Finly? Find the answers below.