Fainto: AI Budget & Expense

Mohsen Rezania

In-app purchases

About this app

Fainto is a private budget planner and expense tracker with an AI money coach that runs entirely on your phone — no account, no sign-up, no internet, and no data leaving your device.

Most budgeting apps upload your transactions to a server to power their "smart" features. Fainto's AI coach runs on-device using a local language model, analyzing your spending where it belongs: on your phone. Optional cloud sync and cloud AI are there if you want the convenience — always opt-in, never required.

ON-DEVICE AI MONEY COACH
• Ask about your money in plain language and get answers grounded in your real numbers
• Personalized budgeting, saving, debt payoff, and investing guidance
• Proactive insights on overspending, upcoming bills, and unusual activity
• Fully offline — your financial data never leaves your device unless you turn on optional cloud features

BUDGET & EXPENSE TRACKER
• Category budgets with progress tracking and alerts before you overspend
• Automatic expense categorization plus fast manual entry
• Spending trends and monthly summaries that show where your money really goes
• A simple budget planner that adapts to how you actually spend

BILLS & SUBSCRIPTIONS
• Automatic detection of recurring bills and subscriptions
• A calendar of what's due and when
• Reminders so nothing renews behind your back

ACCOUNTS & NET WORTH TRACKER
• Track checking, savings, credit, loans, cash, and more in one place
• Net worth at a glance, updated as your accounts change
• Multi-currency support for a truly global view of your money

INVESTING & DEBT PAYOFF
• Track investment and crypto holdings alongside the rest of your finances
• A debt payoff planner comparing avalanche, snowball, and other strategies
• A financial health score (Fainto Score) that sums up how you're really doing

TAX CALCULATOR — 45 COUNTRIES
• Built-in income tax calculations for 45 countries across Europe, the Americas, Asia-Pacific, and beyond
• See your real net income after tax, not just the gross
• Country-aware tips to help you keep more of what you earn

PRIVACY BY DESIGN
• On-device processing is the default, not an afterthought
• No bank login and no ads — ever
• Biometric app lock to protect your data
• Optional sync across your devices, encrypted in transit and tied to your account
• Export your data anytime as PDF or CSV — it's yours

WHY PEOPLE CHOOSE FAINTO
• One app for budgeting, expense tracking, bills, savings, net worth, debt, investments, and taxes
• A money manager that works offline and respects your privacy
• Clear, honest insights instead of charts you have to decode
• Available in 25 languages

Whether you want a straightforward spending tracker, a budget planner that finally sticks, a net worth tracker, or an AI finance assistant that actually knows your numbers, Fainto gives you real financial clarity — without handing your financial life to a server you don't control.

Download Fainto and get a private, intelligent picture of your money today.

What’s new

• Budget rollover — unused budget now carries forward automatically.
• Split any transaction across multiple categories.
• AI Coach now flags cash-flow, goal, and savings signals before you ask.
• Polish tax reliefs, IKE, and IP Box are now calculated correctly.
• Telemetry only runs with your consent, plus screenshot protection on sensitive screens.