See exactly when you can retire. Know where every dollar goes. Connect your bank, and your finances organize themselves — automatically. Free to start, Pro from $9.99/mo.
Start with a 14-day free trial of Pro. Free plan available after.
25+ modular features. Enable what you want, disable what you don't.
Chat with an AI that analyzes your actual spending, suggests budget adjustments, and applies changes in one click. Powered by Claude AI.
AI features are for informational and educational purposes only.
5 withdrawal strategies compared head-to-head, goal-based recommender, retirement spending smile, Social Security modeling, and historical backtesting from 1871. Connected to your real bank data.
5-level smart cascade: exact match, fuzzy matching, personalized learning, AI resolve, and manual review. Gets smarter as you use it.
Modified Z-score on trailing 12-month category spending catches overspending before it becomes a problem.
Composite 0-100 index from savings rate, budget adherence, spending trend, emergency fund, and savings goals. Letter grades A-F.
Run 1,000 retirement simulations with a stochastic fan chart. Withdrawal rate sensitivity table. Coast FIRE, Lean FIRE, inflation adjustment. Debt payoff comparison (avalanche vs. snowball).
Track 401(k), IRA, brokerage, and ESPP accounts. Contribution limit progress bars and growth metrics. Auto-populate your FIRE number.
18 currencies with daily exchange rates from the European Central Bank. Amounts auto-convert to your preferred currency.
Automatically detect subscriptions and recurring charges. Catch price hikes and see your true annual cost.
Set targets with deadlines and track progress. Visual indicators show if you're on pace.
Pie charts by category, section, or merchant with drill-down analytics. See where every dollar goes.
Automatically detect internal transfers between your accounts with confidence scoring. One click to exclude them from spending reports.
Unified workspace for AI categorization, merchant rules, taxonomy management, and duplicate cleanup — all in one tabbed page.
30-60 day cashflow projections with 80% confidence intervals. Category trends, year-over-year comparison, and income stability analysis.
Track assets, liabilities, and total net worth. Joint account detection prevents double-counting. Essential vs. discretionary expense classification.
Budget overages, subscription price hikes, savings goal milestones, anomaly alerts, and bank sync updates — all actionable.
Share read or read-write access with a partner. Each person sees the same data with granular permissions.
No telemetry, no tracking cookies, no selling your data. Bank credentials encrypted at rest with industry-standard encryption. Your data is yours alone.
The features that matter, at a fraction of the price.
| Capability | Finsava From $4.99/mo | YNAB $14.99/mo | Monarch $14.99/mo | Copilot $14.99/mo |
|---|---|---|---|---|
| Local AI Insights (Gemma 4, self-hosted) | ✓ | — | — | — |
| Monte Carlo FIRE Simulation (1,000 runs) | ✓ | — | — | — |
| AI Budget Suggestions (4 profiles) | ✓ | — | — | — |
| Dynamic Financial Health Score (5 components) | ✓ | — | Limited | — |
| Statistical Anomaly Detection | ✓ | — | — | — |
| ML Categorization with Calibration | ✓ | — | — | — |
Finsava from $4.99/mo · competitors $14.99/mo
Local AI Insights (Gemma 4, self-hosted)
Monte Carlo FIRE Simulation (1,000 runs)
AI Budget Suggestions (4 profiles)
Dynamic Financial Health Score (5 components)
Statistical Anomaly Detection
ML Categorization with Calibration
Competitor pricing as of April 2026. Prices may have changed.
14-day Pro trial. No credit card required.
Create your account and start tracking today.
Start a 14-day free trial of Pro — no credit card required. Pick the features you want from 25+ modular options, or start with everything.
One click to connect via Plaid (12,000+ institutions) or SimpleFin. AI categorizes every transaction automatically — zero manual work.
Interactive budget charts show where your money goes. Compare 5 retirement withdrawal strategies side-by-side. Get a personalized strategy recommendation. Check your health score across 5 dimensions.
Finsava learns from your corrections. Health score trends show your first week of progress. Dashboard tells you exactly what changed in your spending.
Production-grade stack you can trust.
100% bootstrapped. No venture funding, no pressure to monetize your data. We keep costs low so you can too.
Free
To get started
Budget planning, bank sync via SimpleFin, AI insights, spending reports, and subscriptions tracking — no credit card required.
$9.99
Pro plan
FIRE Planning Lab, Plaid (12,000+ banks), Claude AI Assistant, analytics, and the full financial toolkit. Compare: YNAB $14.99, Monarch $9.99, Copilot $9.99.Competitor pricing as of March 2026.
$0
Venture capital raised
100% bootstrapped. No investors to satisfy, no growth-at-all-costs pressure, no reason to sell your data.
Read the full breakdown: How We Built a Full-Stack Fintech App on a Budget
Deep dives on how Finsava works.
FIRE Planning
A deep dive into Finsava's FIRE Dashboard: 1,000-simulation Monte Carlo, guardrails withdrawals, 40-year retirement survival, 4 historical stress tests, and a kids impact scenario.
FIRE Planning
The 4% rule has an 86% survival rate over 40 years. A guardrails strategy on the same portfolio can hit 95%+ by adjusting spending to market conditions. Here's the math.
Your financial data deserves the highest level of protection. Finsava is built with privacy as an architectural principle, not an afterthought.
Bank credentials encrypted at rest with industry-standard encryption. Passwords securely hashed. All database queries scoped by user ID.
No tracking cookies, no third-party ad trackers. We use anonymous page-view analytics only. We never sell or share your personal or financial information.
Security vulnerabilities are patched within 24 hours. Automated dependency auditing via pip-audit and Dependabot in CI.
Powered by Claude AI. AI-generated suggestions require your explicit approval before any changes are made to your budgets.
Built with WCAG 2.1 AA in mind. Keyboard navigation, skip-to-content, ARIA labels, and screen reader support throughout.
Comprehensive test suite covering auth, budgets, analytics, health score, sync, imports, transfer detection, tier enforcement, and more.
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