Track your finances before it becomes a problem.
Finbird watches the small signals — a habit forming, a budget bending, a goal slowing — and flags them while they’re still easy to fix. You act early, not when next month’s statement shows up.
Coffee is your $4,416/year habit.
You’re 78% through May with 60% gone.
You’ll hit $10,000 11 days early.
Every morning, three signals worth catching before they cost you.
The habit before it costs you.
Coffee runs cluster on Mon/Wed/Fri mornings. Lunch out spikes on Tuesdays. Shopping hits within 48h of payday. We surface forming habits while they’re still cheap to break — not after they’ve quietly become a month’s rent.
The line before you cross it.
78% through your eating-out budget with 60% of the month gone. We say it on the day you can still fix it — skip 2 dinners, move them to your grocery line — not when next month’s statement lands.
The finish line, projected forward.
You’ll hit your $10,000 emergency fund in 34 days — 11 days early. Real projections from your actual cadence, so you see the goal slipping before it slips, not after you missed it.
Every transaction, flagged before it becomes a habit.
A list of charges is a ledger. We turn it into an early-warning read. Each transaction is annotated with context: how it fits your week, what it’s costing in aggregate, and whether to act on it now — while it’s still small.
- A.Auto-tagged repeats. 6 of 47 transactions this month are coffee — flagged and grouped, not buried.
- B.Budget context.Each charge is read against your cycle. Knowing it’s 78%-through is more useful than the dollar amount.
- C.Largest expense highlights. The one outlier each month gets called out before it disappears in the scroll.
- D.Income on cadence. Direct deposit on time, on day, on amount. Anything off, you hear about it first.
A net-worth chart that warns you before the line tips.
You spent $340 more than you earned this month — the first negative since January. Three categories drove it: travel, eating out, one-off shopping. Catch it now, not when next month’s statement lands.
- A.Annotated peaks. Big movements get labeled with the cause: a paycheck, a trip, a refund. The chart reads itself.
- B.Cycle compare. This month vs last, this quarter vs last. Not generic averages — your own cadence.
- C.Pattern surfacing.“Shopping spikes within 48h of payday.” We name the pattern in plain English and tell you when it broke.
Four steps to catch what’s coming.
Add your accounts.
Type them in yourself — it’s the whole free plan, no card or bank link required. Or, on Pro, connect via Plaid: read-only, encrypted, takes about a minute. Either way, you decide what we see.
We watch every transaction.
Whether you log them yourself or auto-sync via Plaid, every transaction is read in context — recurring charges, income on cadence, anomalies. Early signals surface as your data builds up.
Three signals, every morning.
One forming habit, one budget bending, one goal projection. Three minutes to read. Skim it on the train; act on the one that matters — while it’s still cheap to.
Fix it before it bites.
Cap a category, nudge a goal up, snooze a signal for a week. Tomorrow’s brief reflects today’s choices. You act on the small thing now — that’s the whole loop.
“I cancelled three other apps. Finbird is the only one that tells me what to do— before the damage is already done. The other ones just showed me the wreck afterwards.”
Two plans. The free one is actually free.
Daily brief and the full app — you just enter your accounts and transactions by hand. No card, no time limit.
- ✓Daily 3-thing brief
- ✓Manual entry — log accounts and transactions yourself
- ✓1 account, 1 active goal
- ✓Annotated activity feed
- ✓30 days of pattern history
Connect your banks once, we sync the rest. Unlimited accounts, projections, alerts, and history that never expires.
- ✓Everything in The Brief
- ✓Automatic bank sync via Plaid
- ✓Unlimited accounts, cards, and goals
- ✓Goal projections + scenario modeling
- ✓Pattern alerts (push + email)
- ✓Full history forever + CSV export