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About finerd.ai • money nerd mode

finerd was born out of the need to see all your money in one place. Every account, card, investment and debt comes together in finerd, however complex your finances are. finerd takes over the routine bookkeeping and shows what to change to grow your wealth. finerd connects through several bank data aggregators and picks the best one for each bank and brokerage in the US, Canada, the UK, Norway and the EU. You can even connect crypto wallets. If a bank won't connect, finerd imports its statements, or your AI adds the transactions via MCP. Every Apple Pay tap and every payment notification from your bank becomes a transaction in finerd. finerd categorizes every transaction by context, so a small charge at a gas station goes to coffee and a large one goes to fuel. Fix a category once and finerd applies the fix to similar transactions. Online orders from email and scanned receipts are split item by item across categories. Paid cash? Say what you bought and AI adds the transaction. finerd was built for your AI too. Connect finerd to ChatGPT, Claude or Gemini and ask "Where can I save?" or "Can I afford a new car?" The AI bases every answer on your transactions in finerd. With your permission, the AI adapts finerd to your goals, creating budgets and categories and adding or editing transactions. finerd finds subscriptions and recurring payments, so you see which ones to cancel. Invite a partner, share only the accounts and expenses you choose, and see who paid for what at home. Snap a restaurant receipt and send friends a link where each one picks what they ordered, no app needed. finerd keeps track of who still owes you. Set budgets by category to see where money leaks. finerd never sees or stores bank logins and has read-only access to accounts. Delete your data anytime. Real people answer questions in the app and at [email protected]. Terms of use: https://finerd.ai/terms-of-use Privacy policy: https://finerd.ai/privacy-policy

What’s new

Version 1.27.0 · Updated October 21, 2026

• Debt repayments now sync too. If your debts with a friend are synced, finerd now shares not only new debts but also what lowers them, like a repayment or a purchase your friend paid for you. When money moves between you, your friend can link it to the matching transaction in their finerd or record it as new. • New payment options: Wise, Monzo, UPI and IBAN QR Ukraine. Add them in Payment Options so friends can pay you back through a link or scan a QR code for a Ukrainian IBAN. We've also simplified connecting PrivatBank, moved your most recently selected people to the top of the debtor list, and fixed bugs, including an issue that sometimes prevented bank connections from completing. Thanks for being with finerd

App privacy

The developer, finerd, reported these privacy practices to Apple.

Data Linked to You

The following data, which may be collected and linked to your identity, may be used for the following purposes:

  • Identifiers: User ID
  • Usage Data: Product Interaction
  • Diagnostics: Crash Data, Other Diagnostic Data
  • Financial Info: Payment Info, Other Financial Info
  • Contact Info: Email Address, Name
  • Contacts: Contacts
  • User Content: Emails or Text Messages, Photos or Videos

Used for: Analytics, App Functionality

Data Not Linked to You

The following data, which may be collected but is not linked to your identity, may be used for the following purposes:

  • Diagnostics: Performance Data

Used for: Analytics

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