Fina
Fina is an AI-powered, modular personal and small business finance tracking platform. It serves individuals, families, and SMBs via a freemium subscription with AI-driven transaction categorization, multi-profile management, and integrated invoicing and bookkeeping for business users.
- Company typePrivate
- Founded2025
- HeadquartersKirkland, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingSoftware
What Fina does
Fina (Fina Labs, Inc.) is a SaaS personal and small business finance tracking platform based in Kirkland, Washington. Its core product is a modular financial tracker that supports multiple independent profiles (personal, family, business) with consolidated overviews, AI-powered transaction categorization, custom categories and rules, formula-based custom metrics, multiple budgets with user-defined time ranges, and visual dashboards. The platform is accessible via a web app at app.fina.money and integrates with banks for automated transaction syncing, with Google Sheets for data export and Stripe for payment processing on the Business tier. An API and MCP are available for third-party and AI-agent integrations.
The company operates a three-tier freemium subscription model aimed at consumers and SMBs: a Free tier with basic AI categorization and Google Sheets export, a Premium tier at $8.25-$12/month adding unlimited bank connections, multiple portfolios, multi-currency support, and partner collaboration, and a Business tier at $20-$25/month adding automated invoicing, Stripe payments, double-entry bookkeeping, customer account tracking, and P&L/balance sheet reports. Distribution is entirely self-serve, product-led growth through the website with no sales involvement, supplemented by SEO comparison pages against Mint, Monarch, Rocket Money, Simplifi, and YNAB, plus a referral program offering free Premium for life after three invitations.
Fina reports 20,000+ active users and has bootstrapped with no disclosed external funding rounds. The product is branded as Fina Money and Fina interchangeably, with the customer base concentrated in individual personal finance users and a growing small business, founder, and freelancer segment. The company is privately held, sub-10 employees, and operates globally via the web with no geographic restrictions.
Fina firmographics
Firmographics- Name
- Fina
- Legal name
- Fina Labs, Inc.
- Website
- https://fina.xyz
- Company type
- Private
- Founded year
- 2025
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Fina is an AI-powered, modular personal and small business finance tracking platform. It serves individuals, families, and SMBs via a freemium subscription with AI-driven transaction categorization, multi-profile management, and integrated invoicing and bookkeeping for business users.
- Ownership category
- akta.pro rank
Fina industry classification
Industry- Product category
- Personal Finance Software
- akta.pro primary industry
- Expense Tracking & Financial Dashboards (FSAGADAB)
- akta.pro secondary industries
- Account Aggregation & Connectivity (Multi-bank linking) (FSAGACAA), Transaction Analytics & Cash-Flow Insights (risk signals, forecasting) (FSAGACAG), Net Worth & Personal Balance Sheet Tracking (FSAGADAF)
Keywords
Where Fina is headquartered
LocationHeadquarters
- HQ city
- Kirkland
- HQ country
- United States
- HQ region
- North America
Markets served
Fina business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations
Revenue model
- Subscription Revenue: Three-tier subscription model: Free tier ($0), Premium ($8.25/mo annual or $12/mo monthly), and Business ($20/mo annual or $25/mo monthly). Users upgrade to access advanced features like unlimited bank connections, multiple portfolios, business invoicing, and double-entry bookkeeping.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free tier for personal finance clarity |
| Subscription | Annual | Premium for advanced setups and multiple profiles |
| Subscription | Annual | Business for founders and professional use |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels10 records
Fina product offering
Product offeringCore offering
Fina is a modular personal and business finance tracking SaaS platform that connects bank accounts, AI-categorizes transactions, and lets users build custom categories, rules, metrics, and budgets. It supports multiple independent profiles (personal, family, business) under one account and offers an add-on business module with invoicing, Stripe payments, and double-entry bookkeeping.
Product overview
Fina is a single unified platform offering modular financial tracking for both personal and business finance. The core Fina platform provides customizable categories, rules, dashboards, and AI-powered insights with multiple profile support. Two subscription tiers are offered: Fina Free for basic personal finance clarity, and Fina Premium for advanced setups with multiple profiles and currencies. Fina Business is an add-on module for small businesses and freelancers that extends the platform with invoicing automation, Stripe payments, double-entry bookkeeping, and business reporting (P&L, balance sheets). The platform also includes Fina AI for intelligent transaction categorization and financial advisory.
Differentiator
Problem solved
Functional benefit
Products and services
- Fina (Core Platform)
Quantifiable outcome
- User testimonial reports going from $260,000 debt to millionaire status in 10 years through money tracking
- +1 more outcomes
Companies that use Fina
Customer profileNamed customers11 records
Segments3 records
Ideal customer profiles3 records
Fina technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
AI capability4 records
Feature8 records
Fina partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- StripecoreStripe integration enables Fina Business users to connect Stripe accounts so clients can pay invoices quickly. Incoming payments automatically stay tied to invoices for seamless reconciliation.
Scale indicators1 record
Recent moves6 records
Expansion highlights6 records
Fina competitors and assessment
Company assessmentDirect peers
- Simplifi by Quicken: Quicken-owned personal finance app offering spending tracking, budgeting, and goal planning on a subscription basis; named as a direct comparison target and serves the same SMB/consumer personal-finance segment.
- PocketGuard: Personal finance app focused on spending tracking, budgeting, and bill management; targets a similar mainstream consumer PFM audience as Fina's free and Premium tiers.
- Copilot Money: Subscription-based personal finance and investing tracker with AI-driven categorization and customizable categories; competes in the same modern, design-forward PFM category as Fina.
- Rocket Money: Subscription personal finance app focused on budgeting, bill negotiation, and subscription management; directly named by Fina as a comparison target and competes for the same Mint-displaced user base.
- YNAB (You Need A Budget): Subscription budgeting app built on zero-based budgeting methodology; cited as a direct comparison target and competes for the same premium-budgeting user persona that Fina Premium addresses.
- Lunch Money: Subscription personal finance and budgeting tool offering bank syncing, custom categories, and rule-based automation; overlaps with Fina's customizable categorization and budgeting emphasis.
- Monarch Money: Direct competitor in the post-Mint personal finance management space; offers subscription-based multi-account aggregation, budgeting, and AI insights — the same core proposition Fina targets, including explicit comparison pages on Fina's site.
Broad incumbents
- Quicken (Intuit): Long-standing incumbent in personal and small-business finance software; overlaps with Fina Premium and Business features around budgeting, cashflow tracking, and reporting for households and SMBs.
- Empower Personal Dashboard: Free net-worth and budgeting dashboard bundled with Empower's broader wealth management offering; competes with Fina's net-worth, dashboarding, and free-tier personal finance functionality as part of a much wider product portfolio.
Emerging players
- Origin: AI-native financial planning and money management platform offering cashflow forecasting and personalized guidance; an emerging AI-first competitor with overlapping ambition to Fina's AI financial advisor positioning.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Fina social profiles
Digital presenceFina financial estimates
Financial estimateRevenue estimate
Valuation estimate
Fina leadership team
Management profileNumber of profiles
Fina funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Fina M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Fina
What does Fina do?
Fina is a modular personal and business finance tracking SaaS platform that connects bank accounts, AI-categorizes transactions, and lets users build custom categories, rules, metrics, and budgets. It supports multiple independent profiles (personal, family, business) under one account and offers an add-on business module with invoicing, Stripe payments, and double-entry bookkeeping.
Is Fina a public or private company?
Fina is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Fina founded?
Fina was founded in 2025. It employs 1 to 10 people.
Where is Fina based?
Fina is headquartered in Kirkland, United States, in the North America region.
How does Fina make money?
One revenue line is on record: subscription Revenue.
Who are Fina's main competitors?
Direct peers on record are Simplifi by Quicken, PocketGuard, Copilot Money, Rocket Money, YNAB (You Need A Budget), Lunch Money and Monarch Money. Broad incumbents are Quicken (Intuit) and Empower Personal Dashboard. Origin is listed as an emerging player.
Does Fina have an API?
Yes. Fina exposes a public API. Developer documentation is at app.fina.money/doc/UEn8biRw4Hbrma.
What industry is Fina in?
Fina's product category is Personal Finance Software. Its primary akta.pro industry code is FSAGADAB, Expense Tracking & Financial Dashboards, with a secondary code of FSAGACAA, Account Aggregation & Connectivity (Multi-bank linking).