Launching soon on the App Store and Google Play
The AI budgeting app that tells you what you can spend today.
Finovaa turns your budgets and goals into one number for the day. Then a coach you choose (calm, analytical, upbeat or blunt) helps you keep to it.
- No bank login
- Works offline
- 25 languages
- iPhone & Android
Maya · Finovaa
now
Dining has reached 82%. Nine quiet days remain. Spend them gently.
Ask about your money. Get a straight answer.
Here's one day with Ray, the Analyst. Every number he quotes comes from your own data, and every card in his replies is a real screen from the app.
Ray
The Analyst, your coach
A plan for your day
Three to five cards every morning, written from your own numbers. Swipe right on the one you'll take on.
8:02 am
Morning! What's the plan today?
You held Subscriptions yesterday, and that's the one that counts. Same again today?
Safe to spend today
What's left in your budgets, minus what your goals need, spread over the days remaining. One number, updated as you go.
8:03 am
How much can I spend today?
$6,294.22, and you're on track. That's your share of what's left, after your goals take theirs.
Log it in a sentencePro
Type or say what happened and the amount, category and wallet fill themselves in. You check it before it's saved.
12:40 pm
Freelance 450 from a client
Got it: $450 income, filed under Freelance, into Main. Tap save if that looks right.
Budgets with a pace
Every budget knows if you're ahead, steady or at risk, how much is safe per day, and where you'll finish.
6:15 pm
Am I okay on groceries this week?
Better than okay. You're $927 under pace and on course to finish $1,082 under. $582 a day is safe.
Goals with a date
Each goal shows the day it arrives at your real pace, and how much sooner an extra deposit gets you there.
9:30 pm
When's my emergency fund done?
27 Oct 2026, five months ahead of your target. Put $1,200 of today's safe-to-spend in and it lands 6 days sooner.
A streak worth keeping
Log anything, or tap “I spent nothing”, and the day counts. Missed days are covered by streak freezes.
10:05 pm
Spent nothing else today.
Day counted. That's three in a row. Four more and you earn One week strong.
Try it: fast-forward a goal
Finovaa tells you when a goal arrives, not just how full it is. Drag the slider to see what an extra $50 a month does to the date. In the app, Ray also suggests where that money could come from.
Trip to Japan
$1,000 of $4,000
Arrives
That's your current pace.
And plenty more
Ask your coach anything
“Can I afford a car?” Answers come from your own data.
Talk it throughPro
A spoken conversation with your coach, in their own voice.
Alerts in your tone
Coach, Hype, Roast or Zen. Same facts, different vibe.
Light or dark
Follows your phone, or pick the one you like.
Receipt scanning
Snap a receipt and confirm the amount and category.
Wallets and transfers
Cash, card and savings, with filters on every transaction.
PDF and Excel exportPro
Send your month to yourself or your accountant.
25 languages
Including Arabic, laid out right to left.
Same numbers. Your kind of coach.
Pick the coach you'd actually listen to. Every coach works from the same maths, and only the voice changes. That voice follows you into chat, voice mode and your notifications.
Best if you like numbers and want to find where money leaks.
Try a moment
I blew my dining budget again this week.
Choose Ray and your notifications switch to the Coach voice.
Your bank password stays yours.
Most budgeting apps start by asking for your bank login. Finovaa doesn't need it. Add transactions yourself, scan a receipt, or just say what you spent. You stay in control of what the app knows.
- No bank login, ever
- Finovaa never asks for your online banking password, so there's nothing for anyone to leak or misuse.
- The AI can't invent your numbers
- Every figure is calculated on your phone first. The AI only rewords it, and a reply is shown only if every number in it matches your data.
- Encrypted, and yours to delete
- Your data is encrypted in transit and at rest. Delete your account and everything in it from Settings, any time.
- Works without signal
- Log on the train or abroad. Everything syncs the next time you're online.
Free covers the whole job. Pro adds the extras.
Every number, budget and goal is free, so you never pay to see your own money clearly.
Free
$0
Forever, no card needed.
- Safe to spend today
- Budgets with pace coaching
- Savings goals with arrival dates
- A daily plan from your coach
- All four coaches, chat included
- Receipt scanning
- Streaks and trophies
- Works offline
Pro
Pricing at launch
Everything in Free, plus:
- Log in a sentence or by voice
- Your coach writes each insight in their own voice
- Spoken conversations in voice mode
- Every fast-forward lever for your goals
- Safe-to-spend breakdown by budget
- Receipt photos on transactions
- Export to PDF and Excel
Pro pricing will be announced at launch.
A note from the founder
“Every budgeting app I tried was either a spreadsheet with a logo or wanted my bank password. I wanted one that would just tell me what I could spend today, in a voice I'd actually listen to. So I built it.”
Questions, answered
Anything else? Email support@finovaa.app and a person will reply.
What is Finovaa?
Finovaa is an AI budgeting app for iPhone and Android. It works out how much you can safely spend today, coaches your budgets and savings goals, and lets you pick the coach whose voice you'll actually listen to: Maya, Ray, Zara or Vic.
Do I need to connect my bank account?
No. Finovaa never asks for your bank login. You add transactions yourself in a couple of taps, by scanning a receipt, or (with Pro) in a sentence like "Freelance 450 from a client".
Is Finovaa free?
Yes. Budgets, savings goals, safe to spend today, the daily plan, receipt scanning, streaks and chat with your coach are all free. Pro adds logging in a sentence or by voice, voice conversations, coach-written insights, every goal lever and PDF/Excel export. Pro pricing will be announced at launch.
How is "safe to spend today" calculated?
Finovaa takes what's left across all your budgets this period, keeps back what your goals need, and spreads the rest over the days remaining. Spend less today and tomorrow's number goes up.
Does the AI make up numbers?
No. Every figure is calculated before any AI is involved. The AI only rewords a decision that was already made, and a reply is shown only if every number in it matches your data. Our AI provider, Google Gemini, doesn't use your data to train its models.
Is my financial data safe?
Your data is encrypted in transit and at rest, there's no bank login to leak, and you can delete your account and everything in it from Settings at any time.
Does it work offline?
Yes. Logging works with no signal, and everything syncs the next time you're online.
Which languages and currencies does Finovaa support?
The app is available in 25 languages, including Arabic with a full right-to-left layout, and you can budget in your own currency.
When does Finovaa launch?
Finovaa is launching on the App Store and Google Play soon. Join the waitlist and we'll email you the download link on launch day.
Be first to know what you can spend today.
Join the waitlist and we'll email your download link the day Finovaa lands on the App Store and Google Play.