Add AI-powered intelligence to your YNAB experience. Detect spending patterns, get smart recommendations, and plan ahead.
100% FREE Beta • No Credit Card Required • Free Through Q1 2026
FinInsights is in active development. You get full access to all features completely free while we validate the product with real users. Your feedback directly shapes what we build next.
Beta runs Nov 2025 - Q1 2026. Pricing decisions made Jan 31, 2026 based on your feedback.
OAuth 2.0 API - Real-time sync with your YNAB plan
Direct connection via Plaid
Import support
Based on beta feedback
Start with YNAB today. More integrations coming based on beta user feedback.
Connect YNAB, bank accounts, and more. We add AI intelligence without replacing your workflow or the tools you already love.
Advanced machine learning automatically detects spending patterns across categories, merchants, and time periods you might miss.
Identify recurring bills and subscriptions automatically, even when they vary slightly each month.
AI-powered budget suggestions based on your historical spending patterns and upcoming obligations.
Analyze patterns across your YNAB plan, checking accounts, credit cards, and savings in one unified view.
Your financial data stays yours. We analyze it to provide insights, never sell it to advertisers.
Real examples of insights FinInsights generates from your YNAB data
Detected: 3 large Costco purchases totaling $450 (vs. avg $110/purchase)
→ Recommended: Adjust "Groceries" target from $500 to $600 for next month
Detected: $1,200 annual payment in June, but only $800 saved by May
→ Recommended: Increase monthly target from $100 to $120 to avoid shortfall
Detected: $10.99 charge every 15th, last 6 months
→ Recommended: Create monthly target for "Subscriptions" category
Common challenges YNAB users face that FinInsights helps solve
When life changes—new car, new home, growing family—your financial targets need to adapt. Manually recalculating every affected category can be time-consuming.
FinInsights adds: AI-powered recommendations that detect life changes and suggest target adjustments across your YNAB plan.
YNAB's flexible target system gives you powerful options. Deciding which target type fits each category—and what amount to set—can take analysis of your spending history.
FinInsights adds: AI analyzes your patterns and recommends optimal target amounts based on your actual spending.
Annual expenses like insurance, subscriptions, and property taxes require planning ahead. Calculating monthly contribution amounts involves tracking due dates and amounts.
FinInsights adds: Automatic detection of annual expenses with recommended monthly contribution amounts.
YNAB gives you the tools to manage your money. But checking categories regularly and catching issues before they become problems takes time and attention.
FinInsights adds: Proactive alerts when spending patterns suggest you may need to adjust targets.
Bills like electricity, gas, and groceries fluctuate month to month. Setting a single target requires you to analyze seasonal patterns and calculate appropriate averages.
FinInsights adds: Automatic rolling averages with seasonal adjustment to help you set accurate targets.
YNAB excels at managing money you have today. Some users want additional visibility into upcoming expenses and cash flow projections based on their historical patterns.
FinInsights adds: Predictive expense forecasting that works alongside your YNAB plan to help you see what's ahead.
Privacy-first design. Your financial data stays yours.
All financial data is encrypted using industry-standard AES-256 encryption. Your data is protected at every step.
Your financial information is never shared with advertisers or third parties. Period. We make money from our product, not your data.
We connect to YNAB using secure OAuth. We never see your YNAB password. You can revoke access anytime.
Disconnect integrations anytime. Request data export or deletion. Full transparency about what we store and why.
Sign up in seconds. No credit card required for the free beta.
Link YNAB (API sync) or bank accounts (via Plaid) in our setup wizard.
Our AI analyzes your patterns and generates personalized recommendations instantly.
Use predictive insights and smart recommendations to improve your financial health.
Start your FREE beta today. Full access to all features. No credit card required.
Free through Q1 2026 • Beta users lock in grandfather pricing
