Fina

Fina is a flexible finance tracker that lets you manage personal, family, and business money in one place. You can connect bank accounts for automatic updates, categorize transactions using AI, and build custom dashboards with the metrics that matter to you. It works like a spreadsheet but with more structure — you create categories, rules, and budgets your way, without being forced into a rigid system.

The tool stands out for its modularity. You can set up separate profiles for different parts of your life (personal, business, family) and still see everything combined when you want. Fina uses AI to categorize transactions automatically, and you can tweak those rules. It also supports custom metrics using formulas, multiple budgets with custom time ranges, and collaboration with partners or clients via shared pages and separate logins. The Business tier adds invoice automation, customer tracking, and real-time cashflow dashboards.

Fina is best for people who want more control than a typical budgeting app offers but don't want to build everything from scratch in a spreadsheet. It works well for freelancers tracking business income alongside personal spending, couples managing shared finances, or anyone who found Mint too limited and wants a more customizable alternative. The free plan covers basic personal tracking with Google Sheets integration, while paid plans unlock bank connections, multiple portfolios, and business features.