FinWise is an agentic AI personal finance copilot that doesn't just display your data — it actively reasons about your finances, adds transactions via natural language, runs Monte Carlo simulations, and surfaces personalized insights.
From basic budgeting to advanced Monte Carlo forecasting — all powered by an AI agent you can talk to
Add transactions, create goals, and update budgets through natural language. The agent understands context and gives evidence-driven advice.
A composite 0-100 metric across 5 weighted factors: savings rate, budget adherence, emergency fund, stability, and goal progress.
Run 1000-trial simulations on your savings goals with income volatility modeling and sensitivity scenarios.
14-day forecast using Holt-Winters triple exponential smoothing with 95% confidence bounds.
Discover your financial archetype — Architect, Free Spirit, Climber, Guardian, or Explorer — with personalized recommendations.
Compare Avalanche vs Snowball strategies with month-by-month simulation. See exactly when you'll be debt-free.
Switch between any world currency with live exchange rates. All amounts auto-convert instantly across the entire app.
Viewer is read-only. Editor can add and edit your own records. On-device mode answers from your data without calling a cloud LLM.
5 novel features: Future Self Simulator, Behavioral Triggers, Time-Value Calculator, Goal Collisions, and more.
Create a free account, complete the guided onboarding, and start your journey to financial intelligence today.