Built for modern financial life
See your full financial life in one place
Track spending, plan ahead, manage shared finances, and understand what is actually safe to spend — across accounts, savings, property, investments and future commitments.
- Personal + joint finances
- Budgeting + forecasting
- Future planning
- Long-term visibility
“You should not need three banking apps, two spreadsheets and mental calculations just to feel financially organised.”
How Finium fits
Finium was designed for this reality.
Not just to track spending, but to help you keep a clear and organised view of your financial life over time.
- See the full picture
- Track income, spending, assets, liabilities and shared finances together to understand your real financial position and net worth.
- Reduce financial admin and mental load
- Finium helps organise recurring spending, future commitments and planning so you do not need to rebuild your finances manually every month.
- Make clearer financial decisions
- Better visibility and structure make it easier to plan ahead, avoid unnecessary debt and stay consistent with savings goals.
- Designed for the long view
- Finium was designed for people managing more than just spending: shared finances, future obligations, investments, property, and the life they are building over years, not weeks.
Understand the impact before you spend
Understand what changes before you spend
See how subscriptions, travel, large purchases or life changes affect your future balance before you commit. Not just what you spent: what your decisions change over time.
- See the impact of a purchase before you make it
- Subscriptions and renewals kept in view, not forgotten
- Travel and large purchases modelled against your real balance
- Life changes reflected across the months ahead
- Future obligations sit alongside today’s spending
- Decisions you can actually defend with numbers
Individual vs couple
Works for one person, or two people sharing a life
Personal finances on their own, or shared money alongside what stays yours. Finium fits both, without flattening the two into the same view.
For you
- Personal finances
- Spending visibility
- Future forecasting
- Subscriptions
- Budgeting
- Long-term planning
For households
- Shared and personal money together
- Separate ownership visibility
- Joint planning
- Shared obligations
- Future goals
- Less financial tension
- Both people finally see the same picture
Industry research
39% of young UK couples keep finances completely separate.
Most financial tools still assume everything is shared.
— bunq UK Couples Research, 2025
Upload anything
The things that do not connect, you just upload
Some financial information still lives outside your bank account. Mortgages, loans, pensions and investments rarely plug into anything. So upload them. Drop in a document or even a portfolio screenshot, and Finium reads it into a draft you confirm. Nothing is added silently.
- Credit agreements, mortgage offers and loan terms
- A screenshot of an investment or pension portfolio
- CSV, XLSX and PDF statements, years at a time
upload
Drop a document, Finium does the filing.
Statements, valuations, agreements, policies, drop anything and Finium extracts the facts into your records.
Drop a file here, or choose one
Agreements, statements or screenshots. Finium extracts the facts and creates the records for you.
See how we use uploaded data
Forecasting and planning
Planning built for real life
Finium helps you prepare for what is coming next: irregular expenses, annual renewals, future commitments, changing income, realistic monthly forecasting. Because real financial life does not repeat perfectly every month.
- Irregular bills
- Changing income
- One-off expenses
- Future months
- Scenarios
- Flexible planning
- Realistic forecasting
Industry research
Households with forward visibility are more resilient to irregular bills and unexpected costs.
Real financial life does not repeat perfectly every month. Planning has to flex with what is actually coming.
— UK Government Financial Inclusion Strategy
Search and recall
Recall anything, across years of accounts
Type the name of that dentist you paid two years ago and find it, whichever account it came from. The subscriptions you forgot you had turn up the same way. Your history stays searchable, even when you switch banks.
- Find a payment from years ago, even if you forget the account
- Every subscription surfaced, including the ones you forgot
- Refine a question into a view you can save and reuse
Security and trust
Secure access to your information, and nothing more
Finium reads your account information through a regulated Open Banking provider. Investments, pensions, property and older history are brought in by upload, on your terms.
- Read-only, through a regulated provider
- UK current accounts connect through an FCA-regulated Open Banking provider. Finium cannot move money or make payments.
- Credentials are never stored
- Your online banking login stays with the regulated provider. Finium never sees or stores it. Revoke a connection any time.
- Encrypted, isolated, least-privilege
- Encrypted in transit and at rest. Your data is kept separate from every other user’s. Internal access is least-privilege and audited.
- Infrastructure built for financial data
- Hosted on AWS, the same infrastructure trusted by regulated fintechs. Backups, monitoring, and incident response on the same standard.
- Your information stays in the UK, and stays yours
- Stored under UK data protection. Export everything or delete your account whenever you want. We never sell data. There are no ads.
Finium is not a bank, a lender or an investment platform. It is not FCA-regulated; the regulated party in the chain is the Open Banking provider.
Read the full security overview and privacy policy. Finium provides tools for financial visibility and organisation, not financial advice.
Pricing
See where you stand — and where you are heading
Less than one forgotten subscription, and more order than a dozen disconnected apps. No tiers, no ads, nothing held back to upsell you, and one price for the whole household, not one each.
Everything included
- Every account, asset, property and liability
- Joint, personal and shared ownership
- Bank connections and unlimited imports
- Upload documents and portfolio screenshots
- Overview, planning and search in one place
- What is due, and what is safe to spend
- CSV, XLSX and PDF statement import
- Export everything, anytime
It replaces
- the spreadsheet and bank-pots system you rigged up
- the apps that stop at current accounts
- the budgeting tool that charged you and your partner twice
14 days free, then choose
£9.99/ month
£99/ year
Works out at £8.25 / month
No card to start. Cancel anytime, in two clicks.
Start your 14-day trialOne price for individuals and households.
Questions, answered plainly
The things people ask before trusting a product with their financial life.
Stop reconstructingyour finances by hand
Bring your accounts, spending and commitments into one organised picture, and keep it that way.
- 14 days free
- No card to start
- £9.99/month after
- Cancel anytime