Every budget app I've used starts the same way: give us your bank login. That request gets routed through an aggregator, and what's on the other side isn't a spending total it's line items. The pharmacy. The bar. The date and the amount.
I'm an Android engineer, and I kept thinking: none of this needs a server. Categorising a transaction is a small language model problem, and small language models run on phones now.
So Fainto has no bank connection at all. A SmolLM model ships inside the APK. You photograph a receipt or type an expense, and it's parsed and categorised on your device, offline, on a plane, in a tunnel. There's no upload, so there's nothing to sell, share, or leak. You can put it in airplane mode and use every core feature please do; that's the honest test.
Every AI finance app sends your salary and spending to a server. Fainto doesn't. Five LLMs run on-device — 135M to Phi-4 Mini 3.8B — so your money coach works offline, with no account, no ads, no tracking. Plus a 45-country tax engine. Free on Android.
