What's actually left,
and what it's for.
Your bank balance isn't your budget. Xfin takes out the bills that are coming and the money your goals are holding, so the number you see is one you can actually decide with, and Fin keeps it pointed at what you're saving for.
In development for iPhone · Canada and the United StatesDo it with
Xfin is a budgeting app for iPhone. A budgeting app in the sense that it plans your money, not in the sense that you set a cap for groceries. It works like this.
- 1 Bring your money in Connect a bank through Plaid, tell Fin what you have in plain words, or import a statement.
- 2 It takes out what’s already committed Upcoming bills, and the money your goals are holding. Both come out before you can spend them twice.
- 3 You get one number, pointed somewhere What’s actually left, kept current on its own. And Fin tells you what easing one category buys you on the goal you picked.
Start here
Your balance is not your budget.
The number your bank shows still has your rent inside it, and the money your goals are holding. Take those out, add the pay that lands first, and what remains is the only figure worth spending against. Change the window and watch it move.
Do it with
The 11pm question
Can I afford a PS5?
Xfin won’t tell you off, and won’t pretend the answer is no when it isn’t. If the thing costs you something, it says exactly what it costs you, in days, off the goal you’re actually saving for. Drag it.
That is the whole product, on your own figures.
Join the waitlistMeet
It shows the working, so you learn it.
Knowing what is left only matters if it gets you somewhere. Fin answers in your own figures, records what you spend without a form, and keeps the line visible between this week and the thing you are saving for. Nothing happens until you tap confirm, and it cannot move money at all.
Tap a question, then tap what Fin proposes
Screen by screen
This is the app you would download.
Drawn at true iPhone point size from the app’s own type scale, tokens and copy, running the same figures as the reserve above.
Do it with
CASH FLOW
Where your money goes · this month
What can we work on?
Pick a starting point, or just ask below.
Recents
Can I afford a PS5?2h ago
Ease back on Dining & Drinks1d ago
Savings goals
Say it instead
“Bought a coffee for $5.”
Logging a spend is a sentence, not a form. Fin reads it back; nothing is saved until you confirm.
LISTENING
Try: bought a coffee for $5
fin
I heard:
Coffee for $5.00
The audio never leaves your phone. Recognition happens on-device; what Fin gets is the text. How that works →
Getting your money in
Connect a bank, or don’t.
Xfin works three ways in. The automatic one uses Plaid, the same connection layer your other finance apps use. The other two never touch your bank at all.
Sync your bank
Plaid Link opens its own sheet, on top of Xfin. You pick your bank and sign in there. We never see the screen, and we never receive your username or password. What comes back is a token that lives on our server and is never sent to your device.
Tell Fin what you have
“Scotia chequing, $2,400.” That is the whole step. Accounts you add by hand behave like any other: they count toward the reserve, and you keep using the app exactly the same way.
Import a statement
Drop in a PDF statement and Xfin reads the transactions out of it. Useful for a bank Plaid does not reach, or when a connection drops and you would rather not reconnect it.
Straight about Plaid: it is an independent controller of what it collects, not just our plumbing. You can cut any connection yourself at my.plaid.com, or inside Xfin, at any time. The privacy policy spells it out →
What you get
Everything you need to stay ahead of it.
No feature below is a plan. Each one is built, tested and in the app you would download.
Read the long version: recurring bills · budgeting without budgets · net worth · using it without a bank · Fin
All of it built and tested. Xfin is coming to iPhone.
Join the waitlistWhere we drew the line
What Xfin will not do.
Each of these cost us a feature other apps have. They are enforced in the code, not in a style guide, which is the only version of a promise that survives a deadline.
It will not tell you how to feel about a number
We can tell you what is planned, what is unplanned and what is left. What that means for you, only you know.
Money you've been promised isn't money you have
Income counts when it lands in your account, never when it's expected. A paycheque coming Friday does not inflate today's number. It's stricter than most apps, and it's the reason the figure on screen is one you can act on.
A missing rate is unknown, never zero
A card with no APR is not quietly assigned an average so a payoff chart looks finished. The engine flags the rate as unknown, projects without interest, and tells you the date is optimistic (“Add APR for an accurate payoff date”), rather than inventing a number you would plan against.
Fin proposes, you decide
The assistant reads your figures and suggests changes. It cannot move money and has no payment capability of any kind. There is no transfer or account-number permission anywhere in the app. Every change waits for you to tap confirm.
It won't claim it did something it didn't
If a write fails, Fin says so plainly instead of replying "done". There's a guard layer whose entire job is to strip a completion claim from any answer where the work didn't actually happen.
Privacy
Your phone is the copy that matters.
Xfin runs from a database on your device, and what your bank sends through Plaid is never stored on our server. Cloud backup keeps a copy of what you create, so a new phone doesn’t lose it, and it is on by default. Here is the whole split.
On your device only
- Transactions your bank sends through Plaid
- Net worth history
- Your conversations with Fin, deleted after 14 days unless you star them
None of this is on our server under any setting. Delete the app and it goes with it, and neither we nor you can get it back.
On our server
- Your profile: name, email or Apple sign-in, date of birth, country
- Notification preferences, push token, and the alert messages themselves
- Bank connection tokens, never sent to your device
- Your onboarding answers
- Subscription status
- Assistant usage counts, for fair-use limits
- Security audit log and rate limits
- With cloud backup on: your accounts and balances, the transactions you enter or import, your categories, goals, contributions and rules
That is the complete list. Backup is encrypted in transit and at rest, not with a key only you hold, and you can turn it off in Settings. We do not sell your data, we do not share it for advertising, and we never see your bank login.
And when you ask Fin something, a summary of your figures goes to Anthropic to be answered. The name you gave an account is masked, goal names are masked, your own notes are dropped and balances are rounded into ranges. Your last ten merchants, the bank each account belongs to, and your categories do go. The full list is in the privacy policy.
Nearly there
Know what’s actually left.
Xfin is coming to iPhone, in Canada and the United States. One email when it is ready. Nothing else.
Canada and the United States at launch. We'll only use your address for this.