PLUS
Plus
£9.99/mo
Take control of your finances.
- Manual accounts and GBP transaction ledger
- Dashboard, categories, budgets, and goals
- CSV & OFX import and transaction export
- Cash-flow forecast and financial calendar
Your financial intelligence platform
Understand. Plan.
Improve. All in one place.
Connect your accounts, track your finances, plan ahead and turn your financial data into actionable insights — in British Pounds (£).
Already have an account? Log in
Built for serious personal finance
UK Open Banking
TrueLayer connections
GBP subscriptions
Stripe billing
You stay in control
AI assists — you decide
Built for the UK
£-native experience
Why FinGem-AI
One place to understand, plan and improve
Connect your accounts, organise your history, look ahead with confidence, and turn financial data into decisions you control.
01
Understand
See where your money goes — merchants, categories, subscriptions, and patterns that matter.
02
Plan
Look ahead with cash-flow forecasts, scheduled payments, budgets, and savings goals.
03
Improve
Use recommendations and financial intelligence to focus on the changes that help most.
Product experience
Your financial life, in one place
Accounts, transactions, budgets, planning, cash flow, net worth, and Financial Intelligence — one workspace, not five disconnected apps.
Accounts & transactions
Manual ledgers, imports, and Open Banking connections in one organised feed.
Budgets & goals
Set spending limits and savings targets with clear progress in £.
Cash flow & calendar
Projected balances, upcoming payments, and a financial calendar you can trust.
Financial Intelligence
Insights, merchants, subscriptions, and decision support grounded in your data.
Net worth & portfolio
Combine cash, assets, debts, and investments into a single wealth view.
Import & export
Migrate history with CSV/OFX and export when you need portability.
Financial Intelligence
Go beyond tracking
Turn transaction history into useful context — so you understand patterns, subscriptions, and the areas that deserve attention.
- See spending patterns and merchants clearly
- Track subscriptions and recurring behaviour
- Ask better financial questions with decision support
Planning & cash flow
Know what's coming next
Projected balances, upcoming payments, budgets, and a financial calendar — so you plan before bills arrive, not after.
Projected balances
See expected cash positions over the days and weeks ahead.
Upcoming payments
Track bills, subscriptions, and scheduled outflows before they hit.
Budgets that stay useful
Limits and progress tied to real spending — not a separate spreadsheet.
Financial calendar
Income, payments, and milestones in one planning timeline.
Net worth & portfolio
See the bigger picture
Combine cash, assets, liabilities, and investments into one wealth view. Portfolio tracking is available on Ultra — without investment-return promises.
Net worth overview
Assets, liabilities, cash, and investments summarised in GBP.
Portfolio visibility
Track holdings and allocation in your Ultra workspace.
Trends over time
Follow how your wealth picture changes — without investment promises.
Security & privacy
Built for financial data. Designed around your privacy.
Clear roles for FinGem-AI, TrueLayer Open Banking, and Stripe billing — without unsupported security claims.
Open Banking via TrueLayer
UK bank connections use regulated Open Banking consent. FinGem-AI is not a bank and does not hold your funds.
Payments via Stripe
Subscriptions are billed in GBP through Stripe. Card details are handled by Stripe — not stored as PAN in FinGem-AI.
Secure authentication
Access uses industry-standard JWT sessions. You control your login credentials and can manage account deletion.
Privacy-minded design
AI assists analysis and never silently changes your financial records. Bank passwords are not collected for Open Banking.
Pricing
Choose the plan that fits your financial goals
Plus, Pro, and Ultra — priced in British Pounds (£). Pro is recommended for most UK households using Open Banking.
Compare billing options →PRO
RECOMMENDEDPro
£11.99/mo
Unlock deeper financial intelligence.
- Everything in Plus
- UK Open Banking sync via TrueLayer
- Connected accounts, balances, and transactions
- Merchant intelligence and subscription tracking
ULTRA
Ultra
£23.99/mo
The complete FinGem-AI experience.
- Everything in Pro
- Investment portfolio tracking
- Net worth, assets, liabilities, and mortgages
- Full planning and decision-support tools
FAQ
Common questions
What is FinGem-AI?
FinGem-AI is a GBP-native personal finance and financial intelligence platform for UK users. Organise accounts and transactions, plan cash flow, track wealth, and get insights that help you understand and improve your finances — with you always in control.
How does FinGem-AI connect to my bank?
On Pro and Ultra, UK bank connections use Open Banking through TrueLayer. You grant consent through a regulated connection flow. Supported institutions depend on TrueLayer coverage — check the app after signing in for the latest list.
Is FinGem-AI a bank?
No. FinGem-AI is personal finance software. It does not hold deposits, issue bank accounts, or act as a bank.
Does FinGem-AI move my money?
No. FinGem-AI helps you view, organise, plan, and analyse your finances. It does not initiate payments or transfer funds on your behalf.
What is Financial Intelligence?
Financial Intelligence turns your transaction history into useful context — merchants, subscriptions, insights, health scores, recommendations, and (on Pro+) decision support and what-if scenarios. Features vary by plan.
Ready to take control of your finances?
Create your FinGem-AI account, choose a plan, and start understanding your money in one place.