Finsava Is Live, Invite-Only: What Shipped and What Didn't

Finsava is live at app.finsava.com, as a closed pilot rather than a launch party. Here is what it does for your money today, what the free plan covers, what Pro adds — and, just as usefully, the things we have deliberately not switched on yet and why.

What Finsava is

A personal finance app built for people chasing financial independence: budgeting that learns from your actual spending, bank sync, and a FIRE Dashboard that runs a 1,000-simulation Monte Carlo over your real numbers instead of multiplying your expenses by 25 and calling it a plan.

We run Finsava for about $7 a month, plus a few dollars for encrypted storage and offsite backups. Two people, no outside money, nothing clever. That matters to you rather than to us: every dollar we don't spend running the thing is a dollar we don't have to charge you for it, and there is no investor expecting us to find another way to make money from your data later.

What's live in the pilot

The free tier is the core toolkit: budgeting, dashboard, transactions, CSV import, SimpleFin bank sync, and AI insights that run on Gemma — on our own hardware, not shipped to a third-party model API.

Pro ($9.99/month) adds Plaid bank sync, the Claude assistant, the FIRE Planning Lab (five FIRE variants, guardrails withdrawals, historical stress tests), analytics and forecasting, goals, net worth, investment tracking, and multi-currency. Every invited account starts with a 14-day Pro trial.

The newest pieces, shipped in the last few weeks:

• Budget targets from your own percentiles. Four suggestion tiers computed from the distribution of your last twelve months — your comfortable months, your median, your lean months, your leanest — each with a rationale that cites the evidence, and a flag on subscriptions worth cancelling.
• Spending that nets refunds. A $2,180 couch followed by a $2,300 refund now reads as what it was — not as $2,180 of spending. Budgets, analytics, and the health score all agree with the transaction list.
• A Tools page with opinions. Emergency Runway deliberately counts only liquid deposits (selling equities in a drawdown is not a plan), a What-If Lab that shows its inputs, Coast FIRE, and a “Can I Afford It?” check.
• Charts you can interrogate. Click a bar, get the transactions behind it — in place, on the budget, analytics, and investments pages alike.

What's deliberately not live

Open registration. Sign-ups are invite-only, by email allowlist. A finance app holds the most sensitive data most people have; we'd rather onboard slowly, watch every rough edge with a small group, and earn the right to open the doors than launch wide and firefight.

Real brokerage holdings. The pipeline for live positions — tickers, quantities, market values, unrealized gains — is built and tested, but it depends on a Plaid data product that's still in their approval queue for our account. Until users can actually see it, we're not blogging it as a feature. It ships when it's visible, not when it compiles.

A pretty roadmap. We keep one, but publishing dates we might miss helps nobody. What we will publish is what just shipped, every time it ships — this blog is a plain account of what changed and why it matters to you.

Why this post exists

Because “free isn't really free” is the thesis of our most-read comparison, and the same honesty has to apply to us. Finsava costs money to run and $9.99/month to use fully, the pilot is gated, and one flagship feature is waiting on a third party. That's the true state of the product. If that kind of candor is what you want from the app holding your money data, we built this for you.