Fin - Your Private Financial Data Layer for AI Agents

THE MISSING PIECE

AI agents are only as useful as the context they can access.

The problem

Your AI agent can reason, calculate, compare options, and explain tradeoffs. But it cannot give truly useful financial advice unless it understands your actual financial life.

Most tools only see part of the picture: spending, budgets, investments, or subscriptions. Others require you to trust a large cloud provider with deeply sensitive financial context.

The solution

Fin gives you a complete, structured financial profile that can be used by you, your apps, and your personal AI agent.

Instead of guessing, your agent can reason from your actual income, spending, investments, insurance coverage, debt, goals, and family context.

Fin gives your agent the data. Your agent gives you the insight.

FULL FINANCIAL PROFILE

More than budgeting

Your budget is only one part of your financial life. Real financial decisions depend on the whole picture.

Bank AccountsChecking, savings, cash

Credit CardsBalances, limits, utilization

InvestmentsStocks, ETFs, portfolios

Cash FlowIncome, expenses, trends

BudgetsCategories, targets, tracking

TransactionsCategorized, tagged, searchable

Real EstateProperties, mortgages, equity

Retirement401(k), IRA, Roth, projections

Rules EngineAuto-categorize, tag, organize

Tax TagsFlag deductibles, prep for filing

Life InsuranceCoverage, premiums, beneficiaries

Health InsurancePlans, HSA, deductibles, benefits

ForecastsNet worth, cash flow projections

HouseholdFamily context, shared finances

AI Agent AccessMCP server, secure queries

Financial GoalsTargets, milestones, progress

TWO PRIVACY MODES

One financial profile.
Two privacy modes.

Choose how much convenience or control you want. Either way, Fin is designed to be the structured financial profile your AI agent can use.

Cloud

Fin Cloud

Secure access from anywhere

Fin Cloud keeps your financial profile available wherever you are. Connect your accounts, view your budgets, track your net worth, and let your personal AI agent answer questions using your up-to-date financial context.

Access from web and iOS
Automatic account syncing via Plaid
Multi-device and household access
Secure authentication with optional 2FA
Easy setup, no local installation
AI agent connection via cloud MCP

Local

Fin Local

Premier privacy on your computer

Fin Local is for people who want their financial life to stay on their own computer. Your data is stored in a local SQLite database and can run fully offline. No cloud database. No remote account storage.

Local SQLite database on your machine
Fully offline capable
No cloud database or remote storage
Maximum control over your data
Connect to a local AI agent
Desktop-first experience

Feature	Fin Cloud	Fin Local
Web access	Yes	No
iOS access	Yes	No
Desktop app	Optional	Yes
Offline mode	Limited	Yes
Local SQLite database	No	Yes
Automatic Plaid sync	Yes	Optional
Multi-device access	Yes	No
AI agent connection	Yes	Yes
Data location	Secure cloud	Your computer

AI AGENT INTEGRATION

Give your agent
real financial context

Most AI financial advice is generic because the agent does not know your real financial life. Fin changes that.

Fin organizes your accounts, transactions, budgets, investments, insurance, debt, goals, and forecasts into a financial profile your personal AI agent can securely query through an MCP server.

Powered by MCP — Model Context Protocol

Ask your agent:

?"Can I afford to buy a house next year?"

?"Am I saving enough for retirement?"

?"Which subscriptions should I cancel?"

?"Should I choose the HSA plan or the lower-deductible PPO?"

?"How much cash should I keep with my income volatility?"

?"What will my net worth look like in 10 years if I increase retirement contributions by 3%?"

?"What tax categories should I review before filing?"

FULL PICTURE DECISIONS

Built for real financial decisions

These are not just budgeting questions. They are full-picture financial questions.

HSA vs PPO

Compare health insurance plans with your actual health costs and tax situation.

Tax Preparation

Tag deductibles throughout the year so filing is organized, not last-minute.

Retirement Planning

Model how changes to contributions affect your projected net worth over time.

Debt Payoff

Compare payoff strategies against your cash flow and savings goals.

Large Purchases

See the real impact of a car, home, or major expense on your financial picture.

Emergency Fund

Know exactly how many months of expenses you can cover at any moment.

Insurance Coverage

Understand gaps in life, health, auto, and disability coverage in context.

Family Planning

"Can we afford another child?" answered with your real numbers.

RULES ENGINE

Built for people
who want control

Most budgeting apps make you clean up your finances by hand. Fin gives you a powerful rules engine so your financial data gets cleaner over time.

Create rules that automatically categorize transactions, tag expenses, identify tax-related spending, organize income, and keep your budget accurate.

The more rules you create, the smarter your financial profile becomes.

Example rules

IF merchant contains "Netflix"

THEN categorize as Subscriptions

IF merchant contains "restaurant" or "dining"

THEN tag as Business meal for tax review

IF amount > $1,000 and type is income

THEN categorize as Salary

IF merchant contains "daycare" or "preschool"

THEN categorize as Family expenses

IF merchant contains "charity" or "donation"

THEN tag as Charitable donation for tax season

TRANSPARENT PRICING

Budgeting should be affordable

Most budgeting apps charge the same price whether you connect one account or twenty. Fin is different.

$2.99 /month includes 2 synced accounts

+

$0.75 /month per additional synced account

Save 20% with annual billing

Synced accounts	Monthly price	Annual (effective monthly)
2 accounts Starter	$2.99/mo	~$2.39/mo
3 accounts	$3.74/mo	~$2.99/mo
4 accounts	$4.49/mo	~$3.59/mo
5 accounts	$5.24/mo	~$4.19/mo
10 accounts	$8.99/mo	~$7.19/mo

Manual accounts are free. Accounts you add yourself, import, or keep local do not change your price. Only active accounts synced through a supported financial data provider count.

Financial clarity should not cost $15/month just because you have a simple setup. You only pay more when Fin has more banking infrastructure overhead to support.

Get started for free 30-day free trial — then $2.99/mo for 2 accounts

HOW FIN COMPARES

The complete financial data layer

See how Fin stacks up against Monarch Money, YNAB, ChatGPT Personal Finance, and building your own solution.

Feature	Fin	Monarch	YNAB	ChatGPT	Build Your Own
Starts under $5/mo	Yes	No	No	No	Maybe
Transparent per-account pricing	Yes	No	No	No	Yes
Budgeting	Yes	Yes	Yes	Yes	If built
Net worth tracking	Yes	Yes	Limited	Yes	If built
Investment tracking	Yes	Yes	Limited	Yes	If built
Rules-based transaction system	Yes	Partial	Category rules	Limited	If built
Tax prep tagging	Yes	Limited	Limited	Limited	If built
Insurance data layer	Yes	Not core	Not core	Not core	If built
Health insurance / HSA context	Yes	Not core	Not core	Not core	If built
Life insurance tracking	Yes	Not core	Not core	Not core	If built
Official MCP / agent connection	Yes	No	No	Not external MCP	If built
Local desktop privacy option	Yes	No	No	No	Yes
Fully offline SQLite mode	Yes	No	No	No	Yes
Cloud web app	Yes	Yes	Yes	Yes	If built
iOS app	Yes	Yes	Yes	Yes	If built
Read-only account connections	Yes	Yes	Yes	Yes	Depends

Competitor pricing and features can change. This comparison focuses on Fin's intended product direction: local-first privacy, AI-agent connectivity, full financial profile coverage, and transparent account-based pricing.

Could you build this yourself? Yes. Should you have to?

With AI today you could build your own local finance app, connect Plaid, design a database, build rules, add forecasting, create an MCP server, manage encryption, handle account syncing, and maintain the app over time.

But the real cost is not just Plaid fees. It is the time, tokens, debugging, maintenance, security decisions, and product work required to keep it reliable.

Build your own ~$0.50/account/mo in data connection costs + development time, AI tokens, maintenance, security work, and ongoing fixes

vs

Use Fin Slightly more per month, already built, with local and cloud options, rules engine, insurance layer, and MCP agent access

SECURITY

Built with privacy at its core

Financial data is among the most sensitive data you have. Fin is designed with that in mind.

Cloud

Fin Cloud Security

Secure authentication on every session
Optional two-factor authentication
Read-only financial connections via Plaid
Sensitive fields encrypted at rest
Bank login credentials stay with trusted providers
User-controlled data deletion and export

Local

Fin Local Security

Local SQLite database, data never leaves your computer
Fully offline capable, no cloud dependency
No remote financial database
Optional local AI agent workflows
You control your backups and exports
Premier privacy for sensitive financial records

ABOUT FIN

Why I built this

Fin started because I was frustrated with my budgeting app.

I wanted better rules. I wanted cleaner transactions. I wanted a system that could help me prepare for tax season instead of leaving me with a pile of uncategorized financial history at the end of the year.

At first, Fin was just a better way to understand my own money: spending, income, investments, categories, and cash flow.

Then AI agents started getting useful.

I realized the missing piece was not another chatbot. It was the financial context behind the chatbot. An agent can answer generic questions without your data. But it cannot help you make deeply personal financial decisions unless it understands your actual financial life.

That changed the vision for Fin.

Fin became a full financial profile data layer - a secure place to organize your accounts, transactions, investments, insurance, goals, forecasts, and life context so your personal agent can help you make better financial decisions.

The goal is not to replace your judgment. The goal is to give you better context.

Fin exists because financial clarity should be affordable, private, and intelligent. Charging almost $15/month to someone with one or two accounts felt wrong to me.

So Fin is built differently: transparent pricing, local privacy options, cloud convenience when you want it, and an AI-first financial profile designed for the next generation of personal agents.

Questions Fin helps you answer:

"Should I choose the higher-premium HSA plan or the lower-deductible plan without an HSA?"
"Can we afford another child?"
"Are we saving enough?"
"What should I do before tax season?"
"What tradeoffs am I missing?"

These are not just budgeting questions. They are full-picture financial questions.

Start small. Stay private.
Give your agent the context it needs.

Start free for 30 days. Then $2.99/month for two synced accounts. Scale as you grow. Switch to local mode anytime for premier privacy.

Get started for free 30-day free trial — then $2.99/mo

View demo

AI-first · Privacy-first · Fairly priced

Your private financial data layer for AI agents.