Ask your money anything.
FinPal connects to your UK bank, sorts every transaction for you and answers plain questions about your spending, so you know what’s safe to spend before you spend it.
Yes, if you keep it under about £240.
| Left after bills this month | £612 |
| Still to come before payday | −£284 |
| Your savings goal | −£90 |
| Safe to spend | £238 |
Your train and hotel would be about £150. Takeaways are running £40 over usual, so that’s where to trim if it comes in higher.
Built for the questions your banking app can’t answer.
Connect your bank
Link your UK current accounts and cards through TrueLayer’s open banking. FinPal can read transactions but can never move money.
Import a statement
Bank not supported yet? Drop in a statement and FinPal reads it, sorts each line and flags anything that looks like a duplicate.
Plan debts and goals
See when your overdraft or card will be cleared, how much a holiday fund needs each month and what’s left once both are covered.
Plan a purchase
Splitting a present with your family? FinPal works out your share, whether the budget covers it and which account is cheapest to pay from, cashback and overdraft interest included.
Shared costs, sorted
Paid for a friend or holding money for someone? Record what they owe and what comes back, so their money never looks like yours to spend.
An assistant that remembers
Tell it who’s who and how your accounts work. It remembers only what you approve, and never changes a thing without asking.
See where your money is heading, not just where it went.
Every bill, payday, budget and transfer is played forward day by day, so you see the tight week coming before it arrives.
Your balance to payday and beyond
- Bills, subscriptions and payday on the days they actually land
- Your budgets spent a little each day, so the line is honest
- Overdraft interest, cashback and ISA bonuses worked in
- Drag along the line to see any day and what moved it
Where it went, and whether it fits
- Budgets by month, week or pay cycle, with history kept when you change them
- Net worth over time across banks, savings, ISAs and investments
- Shared costs counted at your share, refunds taken off what you spent
- Ask why a month was expensive and get the reasons, not just a chart
Built by a student who needed it.
“I started FinPal as my university dissertation. When I arrived at uni I was managing my own money for the first time: rent, electricity and a degree all at once, and I struggled. FinPal began as a way to help students like me, but it has grown into something that can help anyone get on top of their money.
So many people bury their head in the sand. They’re afraid to open the black box and see where their money really goes. I believe FinPal can change that, and give people a better way to manage their money than staring at one balance number.”