Personal finance in hryvnias, built for Ukraine
The money on your card isn’t all yours. Some of it is going to rent, some to a loan, and some you’ve set aside for yourself. FUNFIN subtracts everything already promised and shows you one number: what you can spend today and stop worrying until the next money arrives.
Basic is free forever No password, no card Connect monobank, a leading Ukrainian bank, in a minute
How it works
Your bank shows how much is sitting there. FUNFIN shows how much of it is yours. You already do this subtraction in your head before every purchase. We do it for you — and show every step.
Your client pays on the 26th, so we divide by 19 days, not 30. If there’s nothing certain ahead, we use 30 days and say so plainly.
Money that’s only been promised is visible alongside, but it stays out of the number until it arrives. No “well, they’ll probably pay.”
To the whole hryvnia. The number never promises more than you really have.
The server does the math by a strict rule. An error of even one kopek (0.01 ₴) is a bug we fix first.
The model tells you in words what’s already been calculated. It can’t change the number — it simply has no permission to.
Try it now
Four figures off the top of your head, and you’ll see how much of your money is really yours. No sign-up, and we store nothing.
Features
Bank sync, payments, switching apps, envelopes, AI. Each one either makes your daily number more accurate or saves you time. There’s nothing else in here.
Salary on the 25th, a freelance fee “sometime in October,” an advance tomorrow. Your free money is divided into days until the thing that’s certain to arrive. The line shows the day you’ll have the least left — and we tell you about it ahead of time, not after you’re already overdrawn. Built for people who aren’t paid on a schedule.
payment — already subtractedmoney that’s certain to arrivemaybe — not in the number
Type in a price and we’ll check it against your money and your payment schedule.
A loan, a credit card, rent, an installment plan, money you owe a friend. For a loan you get the full schedule: how much goes to the debt itself, how much to the bank, and when it all ends. Paid it? It says “Paid.”
| Date | Payment | Debt | Bank |
|---|---|---|---|
| Sep 22 ✓ | 9,460 | 7,222 | 2,238 |
| Oct 22 | 9,460 | 7,297 | 2,163 |
| Nov 22 | 9,460 | 7,373 | 2,087 |
Connect monobank, one of Ukraine’s most popular banks, and pick your cards. Every purchase shows up right away, and older ones are pulled in automatically. The app only looks — it can’t transfer or spend your money.
Saldo, YNAB, Monefy, Wallet, CoinKeeper. Duplicates from your bank won’t be recorded twice, and you can undo everything with one button.
Money you set aside lives separately and stays out of your daily number. A goal is a ring: it closes when you’ve saved it all. No streaks, no badges — we celebrate money, not attendance.
Based on your spending over recent months, with three levels per category. If your income is uneven, we use your usual level, not the average. Every tip comes with a price tag.
“We’re splitting Netflix four ways,” “that was a transfer to an envelope,” “85 for coffee, cash.” The AI asks about whatever’s missing and records it only after your “Yes.” It sorts categories on its own and tells you honestly how confident it is.
Connect FUNFIN to your own assistant. It answers from your real data, and the numbers are calculated by the same engine. You decide whether it can only read or write as well.
Cash, coffee, a taxi — text the bot “85 coffee” and it’s in the app. Transfers between accounts work here too.
Shared accounts, envelopes and a plan for two people or up to five. One person pays — it works for everyone.
The National Bank of Ukraine (NBU) rate and PrivatBank’s cash rate side by side, so you can see the gap. If there’s no rate, we don’t make one up.
Paper and ink by day, a dark theme with a lime number by night, switching on its own with the clock. Try a palette right here — the page will repaint.
Honest numbers and security
We show a number’s status in words and in shape, not just color. Take the color away and you can still tell a fact from a plan.
Already happened. Next to it, the time we saw it: “fact 09:14.”
Scheduled: rent, a loan payment, incoming money with an exact date.
Might happen. It sits outside the total and doesn’t count until it arrives.
The result of a calculation. Tap it and you’ll see every step.
An AI suggestion, with its confidence. Applied only after your “Yes.”
The app can’t transfer or spend your money. The key to your bank is stored encrypted on our server and never sent back to your phone.
The protection lives in the database itself, not just the interface: even a bug in the app can’t read someone else’s row.
The model explains and suggests, but every amount is calculated by deterministic code. An AI suggestion changes nothing without your confirmation.
A code by email, or sign in with Google. Nothing to remember, nothing to guess.
A payment, an import, an AI suggestion. Switching from another app can be rolled back with one button.
Stop paying and nothing disappears — only the automation switches off. You can delete everything in settings in one move.
Who it’s for
You earn something and you have payments that repeat: rent, a loan, utilities, subscriptions. We’re not about accounting or stocks — we’re about “can I today?”
I have everything planned out in advance
Rent, a car loan, utilities, subscriptions. She keeps a reserve and doesn’t want to see it among her everyday money.
What she needsOne number, and confidence that it already accounts for everything.
My income is uneven
Money arrives late. A month means nothing to him: what matters is how much is left until the next payment.
What he needsTo see the difference between what will certainly arrive and what was only promised.
Don’t touch the cushion
She keeps a reserve in two currencies. For her it isn’t a setting, it’s a promise to herself.
What she needsAn app that respects that money and never suggests spending it.
What’s different
One app tells you that you spent 30% more than last year. Another says you’ve gone over your limits. Your bank stays quiet until you’re overdrawn. FUNFIN can say “yes, you can” — because it has already subtracted the rent.
| What it is | What it shows | Where it looks | Tone |
|---|---|---|---|
| Expense trackers | charts of where the money went | backward | reports |
| Budget planners | rules, limits, “you’ve gone over” | at the month | judges and scolds |
| Your bank’s app | a balance that already holds other people’s money | at right now | silent until you’re overdrawn |
| FUNFIN | one number a day and an answer to “can I buy this?” | ahead, to the next money | counts, doesn’t judge |
Pricing
Your daily number, accounts, one bank on autopilot, payments, envelopes, goals and reports — all in Basic, no payment needed. You pay for AI, a second bank and shared money.
For one person, forever
0₴
For one person whose time is worth saving
79₴ per monthor 690 ₴ per year
For two people with shared money
119₴ per monthor 990 ₴ per year
For the whole family, up to five people
199₴ per monthor 1,590 ₴ per year
14 days of Premium, freeOne time, no card. Don’t like it? You simply stay on Basic.
Your data never disappearsWhen a plan ends, only paid actions switch off. Your accounts, transactions and daily number stay.
Everything is open right nowPayments aren’t connected yet, so for now every feature is available to everyone.
FAQ
Can’t find yours? Message support from inside the app — a real person replies.
Your bank shows how much is on the card. That sum already includes the money for rent, your loan and your reserve — in other words, money that’s effectively someone else’s. FUNFIN subtracts everything promised before the next money arrives and divides what’s left across the days. You get one number you can spend without worrying.
The app has read-only access: it sees your balance and purchases, but can’t transfer or spend money. The key to your bank is stored encrypted on the server and never reaches your phone. You can disconnect the bank at any time in settings.
Right now, monobank (a popular Ukrainian digital bank), automatically and in real time. We’re adding other banks one at a time. For any bank you can upload a statement file or keep an account by hand — your daily number works the same way.
It’s built for exactly that. We divide not by the days left in the month, but by the days until the next money that’s certain to arrive. A fee that’s only been promised is visible alongside, but stays out of the number until it lands. In Premium, the budget is based on your usual income, not the average.
It sorts purchases into categories, records transactions from your words or voice, splits shared expenses, and explains why your number changed. It can’t calculate or change amounts — deterministic code does that. Every AI suggestion is applied only after you confirm it.
FUNFIN works in the browser on your phone and computer, and you can add it to your home screen like any other app. There’s also a Telegram bot for quick entries and a connection to Claude and ChatGPT.
No. Export a file from Saldo, YNAB, Monefy, Wallet or CoinKeeper — we’ll tell you which one. Then match your accounts, review the result and save. Transfers between your own accounts won’t turn into income, and duplicates from your bank won’t be recorded twice. Don’t like it? Everything rolls back with one button.
You go back to Basic, and your data stays: accounts, transactions, envelopes and your daily number. Only the paid actions switch off — AI, the second bank, the budget and the bot. You can delete all your data in settings at any time.
Learn
No jargon, and no “just spend less” advice. Each takes three minutes and ends with something you can do today.
Get started
From there it gets more accurate with every payment you add. But you can trust it from step two.
Email and a code, or sign in with Google. There’s no password.
Connect monobank, or type in the amount from one account yourself.
Add your reserve and payments, and it will account for everything already promised.