Finly - The money app that always knows your bills.

Finly is an AI-powered personal finance app built around one question: "what can I actually spend right now?" It calculates a live Safe-to-Spend number after bills and goals, builds automated debt payoff strategies, categorizes transactions automatically, and sends proactive nudges before you overspend. It also ships an MCP server, so you can connect Claude Desktop, Cursor, or any AI agent directly to your ledger to check affordability or log transactions in plain language.

Hey Product Hunt 👋 I'm Sajjad, and I built Finly because every budgeting app I tried told me what I had already spent - never what I could safely spend right now, after rent, subscriptions, and debt payments were accounted for. Finly's core is a real-time Safe-to-Spend number that updates as bills come due. Around that, I added: - Automated debt payoff plans (avalanche/snowball, actually simulated against your real cash flow) - AI transaction categorization and proactive spending nudges - An MCP server - connect Claude Desktop, Cursor, or your own agent straight to your ledger and ask "can I afford this?" in plain English - Bill splitting & money loans for shared expenses with friends - Passkey login, offline-first PWA, and a 15-second spoken morning brief It's free to use. I'd love your feedback, especially on the Safe-to-Spend logic and the MCP integration - that's the part I'm most excited (and nervous) about. Happy to answer anything below 🙏

Finly - The money app that always knows your bills.

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