About Xfin

Xfin Technologies Inc. · Ontario, Canada

Xfin is a budgeting app for iPhone, built by Xfin Technologies Inc. in Ontario, Canada. A budgeting app in the sense that it plans your money, not in the sense that you fill in a cap for groceries every January. It shows what is actually left after your upcoming bills and the money your goals are holding, rather than the balance your bank reports. It is for Canada and the United States, it is still in development, and there is a waitlist rather than a download link.

One clarification, because the names are close: Xfin has no connection to Comcast, Xfinity, or any internet or cable provider. Different company, different business, and we are not affiliated with them in any way.

What the app does

A bank balance tells you what has already happened. It still contains the rent that has not left yet, the bill going out on Friday, and the money you have promised to a goal. Xfin takes those out and shows what remains. The figure you can actually make a decision against. Everything else in the app exists to keep that one number honest: finding your recurring bills, noticing when pay lands, tracking what your goals are holding.

The rules we hold ourselves to

Most of what is interesting about this app is what it refuses to do, and those refusals are enforced in the code rather than written in a style guide.

It reports rather than advises. We can tell you what is planned, what is not, and what is left, and we leave the judgement where it belongs.
Money you have been promised is not money you have. Income counts when it lands, never when it is expected.
A missing rate is unknown, never zero. A card with no APR is not assigned an average so a payoff chart looks finished. It is flagged as unknown, the projection leaves interest out, and the app says the date is optimistic instead of inventing a rate you would plan against.
Fin proposes, you decide. The assistant can read your figures and suggest changes. It cannot move money, and it has no payment capability of any kind.

Where your money data lives

Your accounts, transactions, categories, goals and net worth history stay on your phone. There is no table on our server a transaction could go in. What we do hold is a short list (your profile, notification preferences, bank connection tokens, subscription status), and the privacy policy names every item of it. Bank connections are handled by Plaid, which means we never see your bank login. The security page covers the architecture.

What we are not

Xfin is a personal finance tracking app. It is not a bank, not a money transmitter and not a financial advisor. It does not hold or move money, and it does not give investment advice. If you need advice about your particular situation, speak to someone licensed to give it.

Contact

General and support questions: support@getxfin.com, answered within two business days. Security reports: security@getxfin.com. The security page sets out how we handle disclosure. Xfin Technologies Inc. is governed by the laws of the Province of Ontario and the federal laws of Canada that apply there.