Your money. Your phone. Nobody else.

Get it onGoogle Play OpenFainto Web Download onApp Store
Fainto's Overview screen: $3,027.31 saved this month with $97.89 safe to spend this week, net worth $17,050.00 with a sparkline, 5 budgets on track, 2 near and 1 over, a Food insight at 113% of its monthly limit, Add expense and Ask coach tiles, total spent $867.06, top category Food $350.76, and a Do first list starting with Phone plan $59.00 due tomorrow.
Fainto's Accounts screen: $17,050.00 across 3 accounts, a monthly spend bar chart showing $4,000.00 for October, and a list of Checking Account $4,200.00, Savings Account $12,500.00 and Cash Wallet $350.00.
  • 5 Local AI
  • 45 Country Tax
  • 25 Languages
  • 0 Requests

What it is

Think of a personal finance coach that lives in your pocket. It reads your spending, spots patterns and gives advice, all on your device. We never see a thing.

  • AI on-device

    Five language models run locally, from a 135M featherweight to Phi-4 Mini 3.8B. Your phone does the coaching. No server involved.

  • Nothing

    We didn't write a privacy policy and hope for the best. We built an app that sends nothing. Cloud AI stays off unless you turn it on.

  • Tax math

    See your take-home pay with actual tax rules from 45 countries, in one of 25 languages. No guessing, no spreadsheets.

Fainto's Budgets & goals screen: an Emergency Fund ring at 42%, $12,500.00 of $30,000.00 with $17,500.00 to go, and category budgets — Food $350.76 of $310.00 marked over by $40.76, Shopping $142.08 of $154.00, Transport $133.20 of $159.00, Other $15.00 of $50.00, Education $24.00 of $63.00 and Utilities $35.52 of $77.00.

Budgets & goals

Catch overspending early

Give every category a limit and every goal a target. Fainto tracks them against what you actually spend and shows you where things are heading, before the month runs out.

  • Emergency Fund: 42% funded, $12,500.00 of $30,000.00
  • Shopping and Transport are on track; Food is over by $40.76
  • Every budget updates the moment you log a transaction
Fainto's Tax Breakdown screen: a gross-to-net waterfall and an annual summary for USD 102,000 gross — ZUS social USD 13,984, health insurance USD 7,921 and income tax USD 6,962 — leaving USD 73,132 net a year, USD 6,094 a month and a 28.3% effective rate; all figures 2026 estimates.

Tax

Gross to net, line by line.

See exactly where your gross income goes before you receive it — social contributions, health insurance, income tax — and compare countries when you are weighing a move.

  • 45-country tax engine, real income-tax rules
  • Tax breakdown: USD 102,000 gross nets USD 73,132 in the Poland preset, shown in USD
  • 25-language interface, so the numbers read naturally wherever you live

Educational information, not financial advice.

Screens show sample data.

Privacy

Don't take our word for it

Every screen above runs on your phone. The figures below are the app's own network log right after a fresh install: no setup yet, and nothing sent.

0 requests by default, by design

  • No account required
  • Works fully offline
  • No ads, trackers, analytics or cookies

Read the privacy policy

Screens

Fainto's Overview screen: $3,027.31 saved this month with $97.89 safe to spend this week, net worth $17,050.00 with a sparkline, 5 budgets on track, 2 near and 1 over, a Food insight at 113% of its monthly limit, Add expense and Ask coach tiles, total spent $867.06, top category Food $350.76, and a Do first list starting with Phone plan $59.00 due tomorrow.
Overview
Fainto's Transactions screen: Outcome tab selected, −$962.94 spent in October 2026 with a spending trend chart and month chips from July to October, and today's list — Food, Groceries −$34.00; Transport, Tram ticket −$12.00; Food, Morning coffee −$18.00 — above an Add expense button.
Transactions
Fainto's Accounts screen: $17,050.00 across 3 accounts, a monthly spend bar chart showing $4,000.00 for October, and a list of Checking Account $4,200.00, Savings Account $12,500.00 and Cash Wallet $350.00.
Accounts
Fainto's Add expense screen: 42.18 zł entered above Your usual category chips for Food, Entertainment, Transport, Utilities, Education and Other (selected), an expanded All categories list with Housing and Health, a Save expense button and the number keypad.
Add expense

Screens show sample data.

How it works

Three steps. Zero accounts.

  1. Install

    Get Fainto on Google Play. It works immediately, fully offline.

  2. Log

    One tap adds an expense. Fainto groups it, spots subscriptions and keeps totals honest.

  3. Ask

    Five local AI models answer in plain language, right on your phone.

Your first step costs nothing.

No payment, no account, no data sent anywhere by default. Get Fainto on Google Play or the App Store today.

Get it onGoogle Play Download onApp Store

Free

  • Budget tracker and tax engine
  • No ads, no account required
  • Cloud AI via OpenRouter, opt-in
  • Small on-device models — SmolLM 135M, Qwen 2.5 0.5B
  • Larger on-device models — Qwen 2.5 1.5B, DeepSeek R1 1.5B, Phi-4 Mini 3.8B

Premium

$1.99 / month · $14.99 / year

  • Budget tracker and tax engine
  • No ads, no account required
  • Cloud AI via OpenRouter, opt-in
  • Small on-device models — SmolLM 135M, Qwen 2.5 0.5B
  • Larger on-device models — Qwen 2.5 1.5B, DeepSeek R1 1.5B, Phi-4 Mini 3.8B