Know what you can safely spend today.
Without breaking your month. Finvision gives you one honest number — updated in real time — and an AI owl named Penny who never shares your data.
Why Finvision
The question nobody answers
You're at checkout. You want to know if you can afford it. You open your tracker — it shows last month. You try to do the maths in your head. You guess. You hope.
Every finance app on the market answers around the question. None of them answer “How much can I actually spend right now?”
Expense trackers
Opens to last month's totals. Great for reviewing history. Completely silent when you need an answer right now.
Budget spreadsheets
You set one up once. It lives on your laptop. You're standing in a shop with your phone.
Finvision
One honest number. Updated the moment you spend. Safe, tight, or risky — before you commit.
Left to spend
$847
Finvision is the only app that answers the question you're actually asking.
How it works
Three steps to clarity
No complicated setup. No learning curve. Just honest answers.
Step 1
Plan your month
Enter your income and essential bills in two minutes. Finvision calculates your baseline — what's truly free to spend.
Step 2
Add expenses, get honest advice
Every time you add a spend, Finvision tells you if it's safe, tight, or risky. It can block impossible spends before they happen.
Step 3
Meet Penny
Ask Penny anything about your finances. She knows your numbers inside out and never shares a single byte with anyone.
No accounts. No cloud sync for your money. No nonsense.
Who it's for
Built for people who want clarity, not complexity
Privacy-conscious people
Your financial data lives on your device. No account required, no server sync, no one reads your numbers.
Overwhelmed planners
You tried trackers and spreadsheets and gave up. Finvision takes two minutes to set up and stays out of your way.
People who want a number, not a lecture
No streaks. No dopamine traps. Just an honest answer to an honest question.
iPhone users who spend in the real world
Standing in a store wondering if you can afford something? Finvision answers in one tap.
Features
Everything you need, nothing you don't
Left to spend
AI-driven spending analytics track your pace in real time, predict when you're heading for trouble, and surface the number that actually matters — how much you can safely spend before the month breaks.
Left to spend
$847
Deep category insights
See exactly where each category is heading — daily charts, weekly patterns, top vendors, and spend heatmaps. Know your habits before they know you.
Honest expense advice
Every spend is evaluated. Finvision tells you fine, tight, or risky — and can block impossible spends outright.
100% on-device
All your financial data stays in SwiftData on your iPhone. No account, no cloud for your money data.
Savings goals
Set goals with timelines. Finvision projects when you'll hit them based on your actual spending patterns.
5 home-screen widgets
Headroom, daily budget, month overview, bills tracker, and goals progress — all glanceable on your home screen.
Month Recap
A 'Month Wrapped' breakdown with letter grades, patterns, and insights. Know what worked and what didn't.
Meet Penny,
your AI money owl
Penny knows your last six months of financial patterns — your habits, your pace, your goals. Ask her anything about your money, in plain language. She answers honestly, without judgment.
“Am I on track this month?”
Context-aware answer in seconds
“Can I afford this weekend trip?”
Honest projection against your plan
“Where am I overspending?”
Pattern analysis across 6 months
“What should I fix next month?”
Personalised coaching from your data
Privacy: Penny sends only anonymised behavioural patterns — never names, amounts, or transaction details. Your financial data stays on your device.
Join waitlistUnlock your financial superpowers
Everything Gold unlocks, in one place.
CHAT WITH PENNY
SMART NUDGES
Heads up — risk window approaching
You overspend in the last 8 days of the month. It happened 4 of your last 6. You're 3 days away.
Coffee spend is 3× your average
Small amounts, but they've added up to $38 this week. Same pattern as March.
Gym hits on the 28th — plan for it
Your $45 membership is coming. You have a gap right now and usually forget to leave room.
EVERY RECAP CHAPTER
UNLIMITED GOALS
$4.99 / month
Billed $59.99 / year
Summer
2026
iOS 17.6+
Get early access
We're inviting testers before launch. Send us an email and we'll add you to TestFlight personally.
hello@vegarise.ioSubject: Finvision TestFlight
FAQ
Questions answered
Is Finvision really private?
Yes. Your financial data — income, bills, transactions — lives in SwiftData on your iPhone. No account required, no server sync. When you use Penny AI (a Gold feature), only anonymised behavioural patterns are sent to our AI backend — never names, amounts, or descriptions.
How is Finvision different from a budget tracker?
Budget trackers show you what you already spent. Finvision answers a different question: how much can you safely spend right now? It evaluates every expense against your plan in real time and gives honest advice — including blocking impossible spends before they happen.
What is Finvision Gold?
Gold is the optional premium tier that unlocks Penny AI chat, the Proactive Coach, Deep Month Recap, category projections, unlimited savings goals, and CSV data export. The free version handles everything essential — planning, tracking, goals, and widgets.
Who is Penny?
Penny is Finvision's AI owl. She lives inside the app, knows your last six months of financial patterns, and can answer questions about your numbers in plain language. She never leaves your data footprint outside the anonymised AI request.
When does Finvision launch?
Summer 2026 on iOS 17.6 and later. Email hello@vegarise.io with subject "Finvision launch" and we'll notify you the moment it's live.
Is there a free trial for Gold?
Yes — Gold includes a free trial so you can explore Penny and all premium features before committing. Cancel any time in your iPhone Settings with no charges.
What does it cost?
The core app is free forever. Finvision Gold is $4.99 / month billed annually ($59.99 / year), or $9.99 / month billed monthly. A free trial is included — cancel any time in your iPhone Settings, no charges.