What's actually left.
Your bank balance isn't your budget. Xfin accounts for upcoming bills and the money you've committed to your goals, so you can see what remains.
In development for iPhone · Canada and the United StatesDo it with
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 actually lands first, and what’s left is the only figure worth spending against. Most people have never once seen it.
The app rounds that to $3,028 on screen. Everything below is the same calculation, running live.
See further
Know what’s coming before it lands.
Pay, bills and goals all move on their own schedules. Change the window and the number moves with them — this is the app’s own rule, running live. Do it a few times and you start to feel the shape of your month before it arrives.
Do it with
The 11pm question
Can I afford a PS5?
You already know you want it. Xfin isn't going to tell you off, and it isn't going to pretend the answer is no when it isn't. It checks the reserve, and if the thing costs you something it says exactly what — in days, off the goal you're actually saving for. Then it stops talking. Drag it and watch the answer turn.
a PS5, the concert tickets, the tab you still haven’t closed
Meet
It shows the working, so you learn it.
Fin answers in your own numbers and shows how it got there. It cannot move money, and every change waits for you to confirm. Ask it enough times and you stop needing to — which is the point. Pick a question; these are real answers against the figures above.
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. Same figures as the calculator 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 & DrinksYesterday
What do you want to work toward?
Emergency Fund lands about three months sooner at $310 a month. Your reserve had room for that in two of the last three months.
Say it instead
“Bought a coffee for $5.”
Logging a spend is a sentence, not a form. Fin reads it back, you confirm, done. The less effort it takes to record something, the more honest your numbers stay — and honest numbers are the whole game.
Listening
Say a transaction
Try: bought a coffee for $5
You said
bought a coffee for $5
fin
I heard:
Coffee · $5.00 · Dining & Drinks · today
You said
add my Scotia chequing, $2,400
fin
Sounds like you want to add a chequing account. Want me to set it up?
The audio never leaves your phone. Recognition happens on-device; what Fin gets is the text. And nothing is saved until you tap the tile. 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.
Where 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 never tell you what's "safe to spend"
That exact phrase is banned in our codebase by an automated check that fails the build if it appears. We don't know your life. We can tell you what's planned, what's unplanned and what's left. Whether that's safe is yours to decide.
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.
It says "unknown" instead of guessing
A credit card with no APR on file reads APR unknown rather than being
quietly assigned an average so a payoff chart looks finished. A wrong payoff date
is worse than an absent one.
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 records stay on your phone.
Not as a policy we could quietly change — as a fact about how the thing is built. There is no table on our server that a transaction could go in. Here is the whole split.
On your device only
- Accounts and balances
- Every transaction, category and note
- Budgets, spending limits and category focuses
- Goals, contributions and progress
- Net worth history
- Recurring bills and income
- Your conversations with Fin
Delete the app and this goes with it. If you haven't turned on encrypted backup, neither we nor you can recover it.
On our server
- Your profile: name, email, sign-in identity
- Notification preferences, your device push token and delivery records
- Bank connection tokens, never sent to your device
- Your onboarding answers
- Subscription status
- An encrypted backup blob, only if you turn it on
- Assistant usage counts, for fair-use limits
- Security audit log and rate limits
That is the complete list. We do not sell your data, we do not share it for advertising, and we never see your bank login.
One honest exception: when you ask Fin something, a summary of your figures goes to Anthropic to be answered. Account names are masked, institution names and your own notes are dropped, and balances are rounded into ranges before it leaves. The full detail 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.
We'll only use it for this.