Finthian is a free financial planning app built around a structured 7-step financial roadmap. It helps individuals and families track financial goals, pay off debt, and build wealth through a clear, ordered sequence of milestones — with shared household goals and premium tools for deeper planning.

Is Finthian really free?

Yes. The Free plan includes the full financial roadmap, household sharing for up to 6 members, goal tracking, and progress visualization — forever, with no credit card required. Premium unlocks AI payslip parsing, retirement roadmap, financial projects, and more for a monthly fee.

How does household sharing work?

When you create or join a household, up to 6 members can see and contribute to shared household goals in real time. Each member also keeps a fully private personal view for goals they do not want to share. You can invite members by email from the app settings.

How does the 7-step financial roadmap work?

Finthian's 7-step financial roadmap is an ordered sequence of milestones that guides you from financial instability to full financial freedom. Each step builds on the last: start with a starter emergency fund, eliminate all debt, grow your emergency savings, invest for the future, and ultimately build lasting wealth. Complete each step in order for steady, measurable progress — your personal and household roadmaps track progress independently.

How does Finthian compare to other budgeting apps?

Most budgeting apps focus on where your money goes — tracking expenses against categories. Finthian focuses on where you're going — tracking your overall progress through an ordered 7-step roadmap. You can see which milestone you're on, what comes next, and how close you are across every step. Finthian also provides free household sharing for up to 6 members, which most competitors charge extra for.

Does Finthian sync with my bank account?

Not in v1 — all financial data is entered manually. Bank account syncing via Plaid is on the roadmap for a future Premium feature. Manual entry keeps your financial data private by default and requires no third-party bank credentials.

✦ Take control of your financial future

The financial plan your whole family sticks to

Finthian guides your household through a clear 7-step financial roadmap — with shared goals, personal milestones, and progress tracking. Free for up to 6 members.

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Personal goalsHousehold sharingFinancial roadmap

Step 2 of 7

✓
Starter Emergency Fund
2
CurrentDebt Snowball
3
3–6 Month Fund
4
Invest 15%
5
College Savings
6
Pay Off Home
7
Build Wealth

3 membersGoal: $24,500

7-step roadmapUp to 6 household members — freeAI payslip parsing on Premium

7-Step Financial Roadmap · Goal Tracker

Finally, a 7-step financial roadmap built for the whole family

Most finance apps are just budget trackers — they tell you where your money went, but not where you're going. Finthian is built around a structured 7-step financial roadmap: every feature exists to move you forward through a clear, ordered sequence of financial goals. Your roadmap is the app, not an afterthought.

Every user gets two independent roadmaps: a personal one for their own goals, and a household one shared with family members. Progress on each step is tracked in real time and visible to everyone in the household.

Ordered 7-step roadmap — always know what to do next, never what to skip
Personal and household goals tracked independently with separate progress
Visual progress bar per step, updated in real time
AI payslip parsing, retirement roadmap, and more — available on Premium

Debt Payoff Planner · Debt Snowball App

Know your debt-free date, down to the day

Step 2 of the roadmap — paying off all debt using the snowball method — is where most people get stuck. The snowball method works by attacking the smallest balance first, building momentum with each win. Finthian makes it concrete: list every debt, set your monthly extra payment, and see exactly when you will be free.

Unlike a spreadsheet or a generic debt calculator, Finthian connects your debt payoff progress to the full financial roadmap. Finishing Step 2 automatically unlocks Step 3, keeping you moving forward without needing to figure out what comes next.

Add every debt: credit cards, car loans, student loans, medical bills
Snowball ordering: smallest balance first, building momentum
Real-time debt-free date projection based on your payment pace (Premium)
Celebrate each paid-off debt with your household — they see it too

Shared Budgeting App · Family Budget Tracker · Household Finance

Shared finances should not cost extra

Most finance apps treat households as an afterthought — or a premium upsell. YNAB charges $109/year for family sharing. Monarch charges $99/year. Finthian gives your entire household up to 6 members — a shared financial roadmap for free.

Every household member sees the shared financial goals in real time. Each person also keeps their own private view for personal goals. One household, two views, zero conflicts.

App	7-Step Roadmap	Household Sharing	Free Tier	AI Payslip Parsing
Finthian	✓	Free (6 members)	✓	Premium
EveryDollar	✗	Not included	✗	None
YNAB	✗	$109 / yr	✗	None
Monarch	✗	$99 / yr	✗	None

*Competitor pricing as of May 2026. Sources: nerdwallet.com, ynab.com/pricing, monarch.com/pricing

Everything you need to reach financial freedom

Financial Roadmap

An ordered 7-step plan, not just a budget. Always know which step you are on and what to do next.

Household Sharing

Invite up to 6 household members. Share goals, celebrate milestones, and stay accountable together — free forever.

Personal Goals

Keep private financial goals separate from household ones. Your personal journey runs alongside your family's.

AI Payslip Parsing

Premium

Upload your payslip to automatically extract income, deductions, and net pay — keeping your financial picture complete every month.

Progress Visualization

See exactly how far you have come on every step with real-time progress bars and milestone markers.

Dual Roadmap View

Switch instantly between your personal roadmap and your household roadmap. Two views, one app, no confusion.

Simple, transparent pricing

Start free. Upgrade when you are ready.

Free

$0/ month forever

Financial roadmap (personal + household)
Household sharing — up to 6 members
Goal tracking and progress visualization
Personal and household dual view
Manual goal entry

Join the waitlist

No credit card required

Premium

Coming soon

AI payslip parsing — automatic income and deduction tracking
Retirement roadmap — plan your path to financial independence
Financial projects — model savings targets and timelines
Paycheck planning
Priority support

Frequently asked questions

: Finthian is a free financial planning app built around a structured 7-step financial roadmap. It helps individuals and families track financial goals, pay off debt, and build wealth through a clear, ordered sequence of milestones — with shared household goals and premium tools for deeper planning.

Start your financial journey today.

Join families building financial freedom the right way.

Join the waitlist

Free forever plan · No credit card required · Household sharing included