Your money changes every day. Your plan should too.

Log a spend in seconds. Then FinSmith tells you what to do — what’s safe to spend today, and your next move for goals, debt, and retirement.

See how it works
Free to start·Sign in with Google
FinSmith Overview — your Wealth Plan and today's safe-to-spend
How it works

Record. See. Decide.

One day of FinSmith — tap through it.

Demo — nothing is saved.

The app

Easy to use, every day.

No clutter, no long setup — the four screens you’ll actually open, in your currency.

FinSmith Record tab — smart favourites and the amount pad
Record

Two taps and it’s logged.

  • Your regular spends become one-tap favourites.
  • Amount, category, note — one screen, done.
  • Left to spend updates the moment you log.
FinSmith Overview — Wealth Plan projection and Money Note
Overview

Today, and ten years ahead.

  • Money Note tells you what’s safe to spend today — tap How? to see the math.
  • Your Wealth Plan shows where you’ll be in ten years.
  • Both update every time you log.
FinSmith Insights — The Flow and this month's pace
Insights

Catch the month before it runs.

  • Pace shows where the month is heading — while you can still change it.
  • The Flow shows what you saved, spent, and kept.
  • Trend+ compares six months side by sidePro
FinSmith History — daily spend line and category ranking
History

See exactly where it went.

  • Every ringgit ranked by category — no mystery spending.
  • Spikes on the daily line explain themselves on tap.
  • Made a typo? Edit any entry, anytime.
Night mode

It has a dark side.

Night mode flips the glass — same money, calmer light.

FinSmith in day mode FinSmith in night mode
FinSmith AI

The AI does the typing.

Typing every expense is why people quit. So FinSmith does it for you — tell it, snap it, or ask it, and it becomes entries and answers.

Statement scan

Switching apps? Bring your months with you.

Drop in a bank statement — PDF or photo. FinSmith turns it into entries you approve line by line. Nothing retyped.

5 deep scans free every month · one scan covers 10 pages

Tell the coach

Type like you talk.

Tap “Log it” — watch it become entries.

In the app, the coach chat turns messages like this into real entries.

Ask the coach

Answers with your numbers in them.

Can I still afford the Japan trip by June?
Yes — at RM 400/mo you land RM 240 short. Move RM 60 from dining and you're there.
Want me to move it? One tap and it's set aside.

Free plan: 30 coach messages a day · 5 deep scans a month.

Plans

Every entry feeds your future.

What you log today updates your goals, your retirement, and your ten-year picture — and FinSmith tells you the move that keeps them on track.

FinSmith net worth — accounts, investments, minus debt
FinSmith debt payoff — finish sooner, save interest
FinSmith grow — put savings to work over ten years
FinSmith retirement — the number that closes the gap
FinSmith safe-to-spend — today's number, with the math
FinSmith monthly report — review and export to PDF

Only in FinSmith

The extras that earn their place.

Each one helps you decide better — or it wouldn’t be here.

中文 and English.

The whole app in both languages — switch anytime, share it with family.

Everything you own and owe.

Net worth in one view, and a debt payoff plan that clears the car loan early.

Spend in 11 currencies.

Holiday in ¥ or ฿ — it lands back in RM at real rates.

Your data leaves with you.

Export your months to PDF anytime, free. No lock-in.

Also in the box: works offline from your home screen, and re-lights itself dawn to night.

Why FinSmith

Trackers record. FinSmith coaches.

A tracker tells you what you spent. FinSmith tells you what to do — every entry updates what’s safe to spend, and your next move for goals, debt, and the future.

RM 14 kopi in a typical tracker
  • You logType it, pick a category
  • You seeTotals and charts of the month
  • You decideThat part is left to you
  • Your planLives in another app, if anywhere
RM 14 kopi in FinSmith
  • You logOne tap — it’s a favourite
  • You seeLeft to spend and this month’s pace update instantly
  • You decideMoney Note: safe to spend today, math on tap
  • Your planGoals, retirement, debt — re-projected, next move named

And no bank login, nothing connected — the way it should be.

Growth

Watch it compound.

Drag a monthly amount. Ten years, two lines.

Saved only vs with growth
Adjust below and watch the line move.
2036
With growth 5% Saved only
Monthly set asideRM 800/mo
Type or drag the amount you plan to grow each month.
RM 0RM 3,000
SAVED ONLY · 0%
RM 96,000
WITH GROWTH · 5%
RM 124,000
With growth could give RM 28,000 extra by 2036.

Know where it went.
Decide where it goes next.

Every entry updates what’s safe to spend — and your next move.