Multi-currency · AI bill scanning · yours to export
Know where you stand.Without the hassle.
Plan your budget, scan your receipts, track your money and split bills with friends. FinXM makes it all easy.
- Multi-currency
- every account together
- No
- bank login required
- 0-bit
- encryption on every export
- 0 days
- of Plus free, no card
Net worth
$0
Kept this month
+$0
- Rent38%
- Groceries18%
- Eating out13%
- Transport11%
- Bills9%
- Other11%
What's inside
Built for money that crosses borders
Multi-currency
The rate of the day it happened
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Pay in any currency. Each purchase keeps its original amount and that day's rate — the market's or your bank's.
Tokyo dinner−$45.86
22-Aug-2026¥6,800 @ 148.28
London taxi−$23.11
03-Jul-2026£18.20 @ 0.7875
Seoul hotel−$155.30
15-Jun-2026₩214,000 @ 1,378
AI bill scanning
Snap a receipt, skip the typing
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Point, snap, confirm. FinXM reads the receipt and files it in your own categories.
— CORNER DINER —
Grilled chicken rice$5.50
Soup of the day$3.00
Iced tea ×2$2.00
TOTAL$10.50
✓ $10.50 at Corner Diner · Dining Out — ready to save
Smart budgets
Plan first, spend with confidence
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Plan your pay before you spend it. Fixed amounts or percentages, with leftovers rolling into next month.
Groceries$140.00 left
Rent$0.00 left
Holiday fund$350.00 kept
Credit & loans
Cards and loans, under control
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Type what you paid. FinXM splits it into interest and principal the way your lender does, and shows your debt-free date.
Loan payment$412.00
Principal $303.69Interest & fee $108.31
More featuresFewer features
Shared expenses
Front the bill, settle later
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Split any bill — equally, by amount or by percentage. Friends get an email with what they owe, no app needed.
Alex → Sam$32.40
Kim → Sam$18.75
2 transfers settle the whole trip
Reports & exports
See the whole picture
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Clear reports on spending, budgets and net worth — download as PDF or Excel, or get them by email every month.
A complete record of every change.
What makes us different
Loan payments, made simple.
Type one number. See the interest, the principal and your new balance.
Personal loan
You paid · 15-Sep-2026$412.00
- Principal$303.69
- Interest$100.81
- Fee$7.50
Remaining principal$5,420.00 $5,116.31
Plans & pricing
Start free. Pay when it earns it.
Everything you need to start is free — no card, cancel anytime. Upgrade when you're ready.
Free
The whole ledger, honestly kept.
$0$0
foreverforever
- Unlimited accounts and transactions
- Smart budgets with rollover
- Reports as PDF, Excel or CSV
- Export your data anytime
- Repay bills friends split with you
Plus
Most popularFor a life that crosses borders.
$5$50
a montha year
- Everything in Free
- AI bill scanning
- Multi-currency at the day's rate
- Credit card and loan tracking
- Split bills with friends
- Encrypted backups and exports
Household
One budget, everybody in it.
$10$100
a montha year
- Everything in Plus
- Up to 5 people
- One shared budget
- Priority support
Cancel in a tap — your ledger stays readable and exportable on the free plan.
Got questions?
You might be wondering
How is this different from other budgeting apps?
Loan payments are split into interest and principal the way your lender does, every purchase keeps the rate of the day you paid, and the free plan keeps your whole ledger.
Is my data safe?
Yes. FinXM never asks for your bank login, exports are password-protected, and backups are encrypted with your own password.
Can I export and leave anytime?
Yes, on every plan. Download your data as CSV or a full encrypted backup — cancelling never locks you out.
Does the AI see my receipts?
Only to read it. The photo becomes a transaction, and the image is kept only on your own ledger.
What if my lender does something weird?
Most likely covered — flat or declining interest, daily interest, fees and early-payoff penalties. If your statement still differs, type the bank's exact figure.
Can't find your answer?
Contact us