Finny Review 2026: A No-Bank-Linking Expense Tracker

Finny is an iOS money-management app for recording and reviewing everyday spending. Its main draw is reducing manual entry: it can log Apple Pay purchases, capture payment details from the screen, scan receipts, and accept quick entries through shortcuts.

The app says it avoids bank linking and supports more than 150 currencies. Finny describes its iOS app as free, but a user testimonial mentions a Pro subscription without stating its price or benefits. Finny is a personal finance tool, not a crypto or onchain product.

Finny is an expense tracker rather than a bank-connected budgeting service. It says it does not link to bank accounts. Instead, it records transactions from an Apple Pay tap, captures details visible on the iPhone screen, scans receipts, or accepts a quick entry through a shortcut.

For a logged purchase, Finny can save details such as the amount, merchant, category, and payment method. It supports more than 150 currencies and can combine them into a total. As with other expense trackers that rely on user-triggered capture rather than bank feeds, users should check entries for accuracy and may need to add spending that was not automatically captured.

Finny says the iOS app is free to use. A Pro subscription is mentioned by a user, but Finny does not publish its price or explain which features require it on the homepage. Check the app's subscription screen for current pricing and terms before upgrading.

Finny says it does not link to bank accounts and that data stays on the user's device. The homepage does not provide detailed information about encryption, backup, or recovery practices, so users should check the app's privacy information before entering sensitive financial data. A user testimonial describes data disappearing and says the developer helped resolve the issue; this is a reported individual experience, not a published incident record.

Finny is not a gambling service or a crypto protocol, so gambling licensing and smart-contract audits are not applicable. No independent security audit is stated.

Finny may suit iPhone users who want to track expenses without linking a bank account, particularly those who use Apple Pay or are comfortable capturing transactions with shortcuts and receipts. It is less suitable for people who expect automatic bank feeds, detailed published subscription terms, or fully documented data-backup practices.