Finsava projects your retirement against every market since 1871 — including the crashes — so you find out how much you can safely spend, and for how long. It reads your real accounts, so the answer reflects your actual life. Free to start, Pro from $9.99/mo.
Finsava is in a closed pilot — join the waitlist and we'll send invites in waves. Every invite starts with a 14-day free trial of Pro.
Turn on what you need, hide the rest.
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).
Real positions from your brokerages — holdings, allocation, dividends and realized gains, with about two years of history on first connect. Every figure says what it covers. Auto-populates 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 Free or $9.99/mo | YNAB $14.99/mo | Monarch $14.99/mo | Copilot $9.99/mo |
|---|---|---|---|---|
| Connects to your banks automatically | ✓Free / Pro | ✓ | ✓ | ✓ |
| Projects your retirement across 1,000 possible markets | ✓Pro | — | — | — |
| Compares five ways of drawing down your savings | ✓Pro | — | — | — |
| Flags spending that is unusual for you, not against a fixed limit | ✓Free | — | Limited | — |
| AI insights that run on our own hardware, not a third party | ✓Free | — | — | — |
| A free plan that includes bank sync | ✓Free | — | — | — |
Finsava Free or $9.99/mo · competitors $14.99/mo
Connects to your banks automatically
Projects your retirement across 1,000 possible markets
Compares five ways of drawing down your savings
Flags spending that is unusual for you, not against a fixed limit
AI insights that run on our own hardware, not a third party
A free plan that includes bank sync
Free and Pro mark which Finsava plan includes each capability. Competitor pricing and features checked April 2026 and may have changed — check their sites before deciding.
Closed pilot · invites include a 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. Turn on the parts you want, or start with everything.
Connect via SimpleFin on the free plan, or Plaid (12,000+ banks) on Pro. Either way, every transaction is categorized for you.
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.
100% bootstrapped. No venture funding, no pressure to monetize your data. We keep costs low so you can too.
Free
To get started
Dashboard, transactions, budget planning, bank sync via SimpleFin, AI insights and CSV import — 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 $14.99, Copilot $9.99.Competitor pricing as of April 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.
Money Guides
Finsava is live as a closed pilot. What you get free, what Pro adds, and the things we have deliberately not switched on yet.
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.
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.
We monitor our dependencies for known vulnerabilities automatically and aim to patch anything serious within a day.
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.
Finsava is in a closed pilot. Join the waitlist and we'll send invites in waves — every invite starts with a 14-day free trial of Pro.
No spam. Unsubscribe anytime. Free · Pro $9.99/mo.