Effortless personal finance management.
Just 1 minute a day.
Automatically log your income and expenses by voice or receipt scan. All your data is encrypted and stays 100% offline on your device.
"You need to spend less than 4.5 million to hit your car-purchase goal this month."
Offline storage on your device 
Servers synced within Vietnam 
A system of 16 in-depth reports 
Zero-Knowledge security Comprehensive, secure, and standardized financial control
More than a simple notebook, Finme delivers a standardized financial management structure, data security, and support for smarter decisions.
Log everything in the blink of an eye
Stop typing every expense by hand. Just say "Had pho for lunch, 40k" or snap a photo of a receipt, and Finme AI will automatically extract and categorize it into the right wallet — no accounting knowledge required.
Your data, visible to you alone
All your financial information is stored offline on your device by default. When you need multi-device sync, your data is end-to-end (E2E) encrypted and securely stored on server infrastructure located in Vietnam, in full compliance with the law.
A clear picture of net worth, assets, and debt
Track your accumulated assets (real estate, deposits, gold, stocks) side by side with your bank loans and credit card debt. Know exactly how fast your real net worth is growing each month.
Set up a 50/30/20 budget & financial goals
Automatically allocate your income into 3 groups: 50% essential needs, 30% personal wants, and 20% savings/investment. Get a smart alert when you are about to exceed a category limit.
16 in-depth personal financial reports
A reporting framework built around international CFP financial management standards. Systematic, easy to follow, and built to help you decide with confidence.
Income statement
A detailed comparison of your total income versus actual expenses, pinpointing your exact net surplus or deficit each month.
Detailed spending analysis
Expenses classified into 13 standard functional groups, so you can instantly spot wasteful spending and optimize your cash flow.
Budget execution report
Compares your planned budget against actual spending, with a variance percentage that gives you an early warning before you go overboard.
Personal balance sheet
Aggregates all your assets (cash, savings, investments, real estate) and subtracts liabilities to calculate your true net worth.
Investment portfolio report
Measures your asset allocation weight, return on investment (ROI), and estimated gain/loss based on market price movements.
Loan management & repayment schedule
A repayment schedule for principal and bank loan interest, calculating rates to optimize the most scientific debt payoff path.
Net worth forecast (20 years)
Simulates your long-term net worth growth curve based on your current savings rate and expected returns.
Track your savings funds
Visualizes your progress toward goals such as: buying a home, your kids' education fund, buying a car, and an emergency fund.
Stress test
Simulates how well you could withstand events such as a sudden loss of income or a sharp rise in loan interest rates.
Backed by real financial expertise
Finme is developed alongside experienced experts in finance and education, helping shape our content system, reports, and approach to personal finance in a practical, easy-to-apply way.
Dr. Le Thi Anh
Advises on personal finance content direction and the practical applicability of the reporting system within the app.
Assoc. Prof. Dr. Nghiem Thi Tha
Advises on the analytical framework, underlying accounting structure, and practical value direction for users.
Measure your personal financial health score
An automatic calculator based on 4 core metrics — savings rate, debt-to-income (DTI) ratio, emergency fund coverage, and budget discipline — to help you self-assess your current financial standing.
Your Financial Inputs
Financial Health Score
Analytical AI, not Chat AI
Finme AI was not built for idle chit-chat. This assistant quietly analyzes your data every month to tell you: "You spent 20% more on dining out this month," or "You need to save an extra 3 million to reach your car-buying goal." Smart, timely, and practical.
Optimize recurring spending habits
Analyzes recurring charges and identifies opportunities to cut unnecessary small expenses, freeing up extra monthly savings.
You have 3 rarely used subscriptions this month (~420,000₫). Cancelling them would push you an extra 15% toward your annual savings goal.
Alert on budget overspending risk
Automatically detects an unusually fast spending pace in categories like dining out or shopping, and warns you before you hit the ceiling.
Your Dining category limit is already 82% used, and the month is only half over. Consider capping this week's spending at 400,000₫ to stay safe.
Track & remind you about your emergency fund
Compares your emergency fund's depth against your average living costs over the last 3 months, and reminds you to top it up when new income arrives.
Your emergency fund currently covers 3.5 months of living costs. Consider setting aside an extra 2,000,000₫ from your latest paycheck to reach the safe 6-month benchmark.
End-of-month health snapshot
A concise summary of your net worth change, actual savings rate, and end-of-period debt structure so you can grasp the full picture.
Your month at a glance: Net worth rose +18,500,000₫ (+2.4%), savings rate hit 35%. Your credit card balance was paid on time.
Choose the plan that fits your goals
Start completely free, or upgrade to Premium to unlock the full set of 16 in-depth financial reports.
Finme Free
For anyone just starting out with basic, secure personal income and expense management.
- Secure offline storage on your device
- Voice entry & OCR receipt scanning
- Manage up to 3 wallets / financial accounts
- Track 1 savings goal
- Basic income/expense reports & 50/30/20 budget
- Overall financial health score
Finme Premium
An in-depth personal finance management system.
- Unlock the full set of 16 in-depth reports
- Unlimited wallets, cards, and asset accounts
- Automatic AI-powered analysis & suggestions
- 20-year net worth forecast & stress-test scenarios
- Optional end-to-end (E2E) encrypted cloud sync
- Full data export to Excel (.xlsx) & PDF
Real stories from our users
More than 50,000+ users have taken control of and grown their personal finances with Finme.
"What I love most about Finme is that it's fully offline and secure — no worrying about bank data leaks. Thanks to the 50/30/20 budget feature and smart suggestions, I built a 35-million emergency fund in just 5 months!"
"As a freelancer with income that swings month to month, cash flow is hard to plan. Finme's financial health score and reporting system let me know exactly where my money is going so I can stay in control."
"Finme's net worth tracking and debt schedule features are truly excellent. My spouse and I now track a single, transparent financial picture together, with complete peace of mind about security."
Frequently Asked Questions (FAQ)
Everything you need to know about using Finme, its features, and our security commitments.
