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FYN
FLOW

AI That Understands Your Money

An all-in-one personal finance app — committees, Zakat, bill splits, AI budgeting, and voice logging. Designed for how you actually live and spend.

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Available on
Web
PWA
iOS Launching soon
Android Download APK
12+
Core features
50+
Currencies supported
8+
Languages (English, Urdu, Hindi, Bengali...)
4
Platforms worldwide
The Problem

THE WORLD DESERVES
A SMARTER FINANCE APP

Millions manage money in spreadsheets and chat groups. Global apps ignore rotating savings, skip Zakat, and miss voice logging in your language. FynFlow brings all of it together — finally.

📋
Generic apps miss your reality
Mint and YNAB don't know committees, can't calculate Zakat, and force you into English. FynFlow was built for how you actually manage money — globally.
📱
Faster to type than to speak
No app lets you log expenses by speaking naturally in your language. Until FynFlow. Say "Lunch was 500 rupees" and it logs automatically — no forms, no friction.
💸
Receipts are still manual
You photograph a receipt and still type every line item. FynFlow reads it for you — extracts merchant, items, amounts, and totals instantly with AI.
Core Platform

EVERYTHING IN
ONE DASHBOARD

A complete financial operating system — transactions, committees, goals, budgets, AI chat, and live market data, all beautifully designed and multi-currency ready.

YOUR FINANCIAL
COMMAND CENTRE

Everything you need at a glance. Total net worth, monthly income vs expenses, spending by category, recent transactions, active savings goals, and split balances. All refreshing silently in the background so your numbers are always current.

  • Personalised greeting with net worth display
  • Four metric cards (net worth, income, expenses, savings rate)
  • Monthly income vs expense dual bar chart
  • Category spending breakdown pie chart
  • Recent transactions inline with categories
  • Savings goals with visual progress bars
  • Split balances (who owes you, you owe them)
  • Quick-action buttons for add, scan, voice, chat, splits
$24,800
Net Worth
$1,900
This Month Income
$964
Expenses
49.3%
Savings Rate
Recent transactions Live
Morning Market
Today · Food
− $85.60
Salary — June
Yesterday · Income
+ $1,900
Fuel — Gas Station
Jun 10 · Transport
− $64
📊
Dashboard
Your financial command centre — net worth, income vs expenses, recent transactions, and goals at a glance.
  • Real-time net worth display
  • Monthly income vs expense trends
  • Category spending breakdown
  • Live market data and quick actions
💳
Transactions
Complete ledger of income and expenses with real-time search, filtering, and offline support.
  • Search by merchant, notes, amount
  • Filter by type and category
  • Edit or delete entries anytime
  • Fully functional offline
🗣️
Voice Transaction Log
Say what you spent in any language — AI extracts amount, merchant, and category instantly.
  • Multi-language speech recognition
  • Automatic categorization
  • Parse multiple items per recording
  • Text input alternative available
🧾
Receipt Scanner
Photograph any receipt and AI extracts merchant, items, amounts, and total automatically.
  • Works on blurry receipts
  • Auto-categorize line items
  • Save as separate transactions
  • Confidence indicator per extraction
🎯
Goals & Budgets
Save towards targets and stay within monthly category budgets with visual progress tracking.
  • Set savings goals with deadlines
  • Monthly category budgets
  • Over-budget alerts
  • Income allocation to goals
💰
Splits & Bills
Split shared expenses fairly with six split methods. Track balances and settle up instantly.
  • 6 split methods (equal, exact, %, shares)
  • Real-time settlement tracking
  • Nudge reminders for unpaid members
  • Comments and bill history
🔄
Committees
Manage rotating savings clubs (committees, chit funds) with automated scheduling and tracking.
  • Randomised or manual payout order
  • Automated member reminders
  • Payment history per member
  • Organiser and member views
🕌
Zakat Calculator
Calculate annual Zakat obligation with live Nisab prices and save calculation history.
  • Gold or silver Nisab threshold
  • All asset categories supported
  • Automatic 2.5% calculation
  • Year-on-year history tracking
🛒
Shared Grocery Lists
Collaborative shopping lists with household members — real-time sync and voice input in any language.
  • Real-time collaboration
  • Voice input in any language
  • Item attribution and comments
  • Pending and completed views
🤖
AI Financial Assistant
Chat with AI that knows your finances — answers in your language with streaming responses.
  • Access to full transaction history
  • Goal and budget awareness
  • Auto language detection
  • Markdown formatting support
📈
Spending Analytics
Visualise spending patterns with charts across 7, 30, or 90-day periods with category breakdowns.
  • Daily or weekly trend charts
  • Category spending donut chart
  • Savings rate calculation
  • Largest expenses ranking
⏰
Scheduled Transactions
Automate recurring income, bills, and subscriptions with flexible scheduling and monthly forecasts.
  • Daily, weekly, monthly, yearly recurrence
  • Start, end, and max occurrence dates
  • 3-month forecast preview
  • Pause, resume, or delete schedules
⚡ AI-POWERED

SPEAK, NOT TYPE

Voice logging in Urdu, Hindi, Bengali, or English. AI understands context and auto-categorizes instantly. "Aaj petrol ke liye teen so rupay diye" — it gets it.

🗣️

Natural Language Processing

Speak naturally in your language. The AI learns your spending patterns, recognizes merchants, and auto-tags transactions without you thinking about categories.

  • ✓ Works offline
  • ✓ Multi-language support (Urdu, Hindi, Bengali, English)
  • ✓ Learns your speech patterns
  • ✓ Auto-extracts amounts and dates
🧠

Context-Aware AI

AI doesn't just hear words — it understands your financial context. Knows the difference between a bill payment and a loan repayment. Spots unusual spending patterns.

  • ✓ Smart categorization
  • ✓ Anomaly detection
  • ✓ Auto-tags recurring transactions
  • ✓ Learns your budget patterns

AI Across All Features

From voice logging to grocery list sync, from committee tracking to expense analysis — AI is everywhere, making finance less work and more intuitive.

💬 Voice Input 🤖 Auto-Categorize 📊 Smart Insights 🔮 Predictive Alerts
More Powerful Features

COMPLETE TOOLKIT
FOR EVERY SCENARIO

Beyond the core platform, FynFlow includes specialized tools for specific needs — from household grocery coordination to quick transaction entry to spending analytics. Every feature works offline with cloud sync.

⏰
Scheduled Transactions
Automate recurring income, bills, and subscriptions. Set frequency (daily to yearly), preview dates, and get monthly forecasts.
🧾
Receipt Scanner
Photograph any receipt. AI extracts merchant, items, amounts, and total automatically with confidence scores.
📈
Spending Analytics
Visualize spending patterns across 7, 30, or 90-day periods. View trend charts, category breakdowns, and savings rate.
⚡
Quick Add
Large-button numeric keypad for fastest transaction entry. Allocate income to goals in real time.
🎤
Voice Split
Describe a shared bill out loud. AI parses title, amount, and participant names from natural language.
👥
Peer Connections
Find friends and family by @handle. Accept or decline connection requests. Enable splits and shared lists.
🔔
Notifications
Centralised alerts for connection requests, new splits, payment reminders, and committee updates.
👤
Profile & Settings
Public profile with handle and picture. Personalise country, currency, language, and theme (dark/light).
🛒
Grocery Bank
Track grocery prices and item history. Build shopping lists. Manage items by category with price tracking.
Rotating Savings

AUTOMATE YOUR
COMMITTEE

Millions run rotating savings clubs (committees, chit funds, ROSCAs, gameya) in WhatsApp and notebooks. FynFlow automates the entire cycle — scheduling, tracking payments, and managing payouts fairly.

FULL COMMITTEE
AUTOMATION

Set a monthly contribution amount, number of members, and payout method. FynFlow generates the complete schedule, tracks who paid each month, sends automated reminders, and confirms payouts. The organiser manages collections; members view their payment history and payout slot.

  • Randomised draw or manual payout assignment
  • Complete payout schedule generation
  • Per-member payment tracking and history
  • Automated member reminders
  • Payout confirmation and receipt
  • Organiser and member role views
  • Full collection status chart
Office Committee · Month 3/10 PKR 100,000 pot
YO
You (organiser)
@yourhandle
Paid ✓
EJ
Emma Johnson
Gets payout this month ★
Paid ✓
SW
Sarah Williams
+92 300 ×× ×× ×× · pending
Not paid
Remind all unpaid
Process payout
Artificial Intelligence

YOUR FINANCIAL
AI ASSISTANT

Chat with an AI that knows your transactions, goals, and budgets. Ask about spending patterns, goal progress, or financial advice — in any language. Get streamed responses with full markdown.

AI THAT KNOWS
YOUR FINANCES

Full conversational interface powered by Claude. Ask "How much did I spend on food last month?" or "Am I on track for my car savings goal?" and get instant, contextual answers. The AI automatically replies in the same language you write in — no configuration needed.

  • Full access to transaction history
  • Knows goals, budgets, and category breakdowns
  • Auto language detection (Urdu, Arabic, Spanish, French, etc.)
  • Streamed responses with typing indicator
  • Full Markdown support (headers, bold, code, lists)
  • Six starter prompts to get going
  • Persistent conversation history
"Am I on track for my Umrah goal?"
FynFlow AI
At your current saving rate of PKR 12,000/month you'll reach PKR 144,000 by November — PKR 56,000 short. Cutting dining out by 30% (saves ~PKR 3,500/month) gets you there by September. Want me to set up that budget?
"Gold rate aaj kitna hai?"
FynFlow AI
Aaj gold ka rate PKR 225,000 per tola hai (24k). Kal se PKR 1,200 zyada hai. Your Nisab is PKR 142,500 — your net wealth is above it so Zakat is due this year.
🧾
Receipt Scanner
Photograph any receipt — from a dhaba chit to a Metro invoice. AI extracts every item, amount, and merchant automatically.
  • Works on blurry and Urdu receipts
  • Auto-fills transaction form
  • Items saved to Grocery Bank
  • Confidence score shown for review
📧
Weekly AI Digest
Every Sunday morning, a personalised financial briefing in your inbox — real numbers, live prices, goal progress, and one actionable tip.
  • Weekly spending summary
  • Live commodity price changes
  • Goal progress update
  • One specific, actionable tip
🔔
Anomaly Detection
AI monitors every transaction silently. Flags unusual spending — a merchant you've never visited, double the normal spend, or a suspicious charge.
  • Runs on every new transaction
  • Instant push notification
  • Non-intrusive gentle nudges
  • Pro users only
Voice Input

LOG EXPENSES
BY SPEAKING

Hold the mic button, speak naturally about what you spent, and let AI log it instantly. Works in any language with automatic transcription and intelligent extraction.

SPEAK YOUR
TRANSACTIONS

Tap the mic, say what you spent ("Lunch at McDonald's, 850 rupees"), and AI transcribes with automatic language detection. Claude extracts amount, merchant, category, type (income/expense), and notes. Multiple items in one recording are split into separate transactions automatically.

  • Whisper AI transcription in any language
  • Automatic language detection
  • Extract amount, merchant, category, type
  • Multiple items per recording
  • Review and adjust all fields before saving
  • Text input alternative available
  • Example phrases in native language
🎙
"Filled up gas, spent twenty bucks"
→ $20 · Transport
🎙
"Groceries at Whole Foods, thirty dollars"
→ $30 · Food · Whole Foods
🎙
"Mike paid me back forty dollars"
→ $40 · Income · Mike
🎙
"Electric bill was two hundred forty"
→ $240 · Utilities
Social Finance

SPLIT BILLS &
TRACK BALANCES

Split any shared expense fairly with six split methods. Track who owes what across all peers. Settle up instantly with real-time notifications and balance tracking.

SIX WAYS TO
SPLIT

Create a split with title and amount, select participants, choose your split method. Six options: Equal (divide evenly), Exact Amounts (specify per person), Percentage, Shares (ratio-based), By Item (line-by-line), or Full Owe (one person owes all). Real-time subscriptions keep balances live across everyone's devices.

  • Six split methods (Equal, Exact, %, Shares, By Item, Full Owe)
  • Overview tab shows net balance with all peers
  • Bills tab lists individual splits with status
  • Settlement tracking per participant
  • Nudge button for 24-hour reminders
  • Comments on any bill
  • Full conversation history per split
Trip to mountain — balances Net: +$48
JS
John Smith
@johnsmith
owes $48
EJ
Emma Johnson
@emmajohnson
you owe $24
JB
Jessica Brown
@jessicabrown
Settled ✓
💡 Simplified: Mike pays you $24 to clear all debts
Islamic Finance

CALCULATE ZAKAT
INSTANTLY

Determine your annual Zakat obligation with live Nisab prices and save a complete calculation history. All asset types supported with Hanafi fiqh methodology.

ZAKAT IN
REAL TIME

Select gold or silver Nisab threshold (silver recommended). Enter asset values across all categories: cash, gold (by weight or value), silver, investments, business assets, and other holdings. Subtract liabilities and debts. FynFlow computes net zakatable wealth, compares to Nisab, and displays the 2.5% Zakat due instantly.

  • Gold or silver Nisab threshold selection
  • All asset type categories
  • Weight in grams, tola, or direct value input
  • Liabilities and debts deduction
  • Real-time 2.5% calculation
  • Calculation history with year-on-year comparison
  • Hijri date and Hawl awareness
Zakat 1446 AH Zakat due ✓
Cash & savingsPKR 450,000
Gold jewelryPKR 337,500
InvestmentsPKR 200,000
Less: money owed− PKR 50,000
Net zakatable wealthPKR 937,500
Nisab today (silver)PKR 142,500
Zakat Due (2.5%) PKR 23,437
Start Today

READY TO OWN
YOUR MONEY?

Finally, a finance app that understands your financial life — committees, Zakat, voice logging, and AI that gives you real answers.

Open FynFlow — It's Free →
AI That Understands Your Money
🌍 Works globally
🗣️ Multi-language AI
🌐 Web · PWA · iOS · Android
💰 Multi-currency
🔄 Rotating savings
🤝 Bill splitting
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