{"name":"Financeia","publisher":"Scale Techs","description":"Personal and joint financial organization, planning and reporting, with accounts, transactions, budgets, investments, properties and consented AI assistant connections.","editorialReviewedOn":"2026-10-21","languages":["en","ar","zh-Hans","zh-Hant","nl","fil","fr","de","hi","id","it","ja","ko","pl","pt-BR","es","th","tr","ur","vi"],"features":[{"id":"home","title":"One clear financial picture","description":"Home brings together recorded net worth, cycle income and spending, account balances and recent activity. Light and Pro are interface modes over the same records, and are separate from subscription plan names."},{"id":"books","title":"Accounts and a searchable financial record","description":"Record dated income, spending and transfers, organize entries with categories and notes, and filter Books to find supporting records. Transfers between your accounts retain their own meaning rather than becoming income or spending."},{"id":"planning","title":"Budgets that follow your cycle","description":"Set a budget cycle around your pay date and browse previous cycles. Compare budget, actual spending, remaining amounts and projections. Plan savings goals and debt repayments alongside your recorded finances."},{"id":"portfolio","title":"Your accounts, holdings and properties","description":"Track cash, financial accounts, investments and properties with original currencies, acquisition dates and dated valuations. Account history shows posted balance movements. Missing valuation evidence is distinguished from a recorded zero."},{"id":"entities","title":"Keep business and personal activity clear","description":"Eligible plans include separate business and rental-property entities. Record entity activity and owner capital with the financial scope retained. Choose which eligible accounts and entities to share."},{"id":"analysis","title":"Understand changes with their supporting records","description":"Review cycle net worth, income, spending and the difference between income and spending. Financial analysis, cash movement, wealth changes and control signals retain their reporting period, currency and available evidence; some views require eligible plans and sufficient records."},{"id":"profiles","title":"Personal privacy and Joint collaboration","description":"Essential is for one member. Smart and Pro add private Personal profiles and a separate Joint profile, with owner-managed access and sharing permissions. Membership does not automatically expose another person's private financial records."},{"id":"currencies","title":"Multiple currencies, with context","description":"Keep original account currencies and choose a reporting currency. Converted totals use available reference rates and retain dates and data-quality information. Reference prices and recorded balances are not a promise of live trading values."},{"id":"files","title":"Bring your records with you","description":"Enter data manually, import supported spreadsheet records, and use exports and reports. Uploaded statements and receipts support review workflows. Regional bank and brokerage account connections are not offered for launch."},{"id":"ai","title":"Connect your AI assistant through MCP","description":"AI assistant connections are available on every plan and are off by default. Each person gives consent, then authorizes selected profiles and read or propose permissions. Compatible assistants can read authorized server-accepted records while the app is closed or the phone is offline. AI changes remain proposals until you review and approve them in Financeia; you can decline proposals or revoke the connection."},{"id":"local","title":"Prepared local views and visible confirmation","description":"Authorized, prepared records are retained in encrypted local storage for ordinary mobile navigation. Initial history still needs synchronization. Pending local changes are distinguished from server-confirmed records; an external assistant cannot read entries that have not reached the server."},{"id":"language","title":"Twenty languages and right-to-left layouts","description":"Financeia's customer interfaces support English, Arabic, Simplified and Traditional Chinese, Dutch, Filipino, French, German, Hindi, Indonesian, Italian, Japanese, Korean, Polish, Brazilian Portuguese, Spanish, Thai, Turkish, Urdu and Vietnamese."}],"ai":{"protocol":"MCP over HTTPS with OAuth authorization","productionEndpoint":"https://api.financeia.app/mcp","setup":"In Financeia Settings, open Security preferences and enable AI assistant connections. Review the consent statements, then add the MCP URL to a compatible assistant and approve the requested profiles and permissions on Financeia's authorization screen.","compatibility":"Requires an assistant and account that support remote MCP and the applicable OAuth flow. Provider, account and regional availability can vary; protocol support does not certify every provider interface.","posting":"An assistant cannot directly post a financial change. The user reviews and approves the exact proposal version, and the server validates it before posting."},"pricingNotice":"Prices are USD reference prices, not a checkout or a provider-price override. Annual equivalents are billed as one annual payment. Apple App Store or Google Play determines the final local price, tax and renewal terms. Subscription enrollment remains subject to production store verification and billing readiness; reference publication does not open enrollment.","limits":"Financeia organizes and reports recorded finances. It is not a bank, brokerage, payment service or financial adviser. Features depend on the selected plan, permissions, recorded data and available valuation or currency evidence.","pricingStatus":"available","currency":"USD","plans":[{"code":"personal_essential","name":"Essential","audience":"Your money, in one clear view","summary":"A complete personal finance toolkit for one person, without limits on financial accounts.","monthlyCents":899,"annualTotalCents":8388,"annualEquivalentMonthlyCents":699,"annualSavingPercent":22,"capabilities":["1 member with a private Personal profile","Unlimited financial accounts, transactions, budgets, and savings goals","Multi-currency tracking, imports, exports, and reports","Holdings, properties, debt planning, and cash-flow forecasts"],"note":"For personal use. Commercial entities and Joint collaboration are not included."},{"code":"family_smart","name":"Smart","audience":"For two people planning together","summary":"Keep money private where you want it and manage shared finances in a separate Joint profile.","monthlyCents":1699,"annualTotalCents":15588,"annualEquivalentMonthlyCents":1299,"annualSavingPercent":24,"capabilities":["Everything in Essential for 2 members","A private Personal profile for each member and a separate Joint profile","Up to 5 business or rental-property entities","Choose which accounts and entities to share","Owner-managed Joint access and sharing permissions"],"note":"2 members in total, including the owner. Personal records stay private unless shared."},{"code":"family_pro","name":"Pro","audience":"More people. More possibilities.","summary":"Bring up to five people together with unlimited entities and advanced tools to understand your financial progress.","monthlyCents":1999,"annualTotalCents":17988,"annualEquivalentMonthlyCents":1499,"annualSavingPercent":25,"capabilities":["Everything in Smart for 5 members","Unlimited business and rental-property entities","Wealth-change analysis with supporting records","Financial calendar heatmap and entity money flows","Independent access and sharing controls for every member"],"note":"5 members in total, including the owner. No commercial entity cap; platform safeguards apply."}],"links":{"home":"https://financeia.app/","guide":"https://financeia.app/product-guide","pricing":"https://financeia.app/pricing","tour":"https://financeia.app/tour","privacy":"https://financeia.app/privacy","contact":"https://financeia.app/contact"}}