FinInsights
Make your YNAB budget smarter with AI-powered insights. Detect spending patterns, get smart recommendations, and plan ahead with intelligence your budgeting tool cannot provide.
100% FREE Beta - No Credit Card Required - Free Through Q1 2026
What Does "Beta" Mean?
FinInsights is in active development. You get full access to all features completely free while we validate the product with real users. Your feedback directly shapes what we build next.
Beta runs Nov 2025 - Q1 2026. Pricing decisions made Jan 31, 2026 based on your feedback.
Works With Your Financial Tools
YNAB Integration
OAuth 2.0 API - Real-time sync with your YNAB budget
Start with YNAB today. Additional integrations (bank accounts via Plaid, Mint/Monarch import) coming based on beta user feedback.
Powerful AI Intelligence for Your Finances
Works With Your Tools
Connect YNAB, bank accounts, and more. We add AI intelligence without replacing your workflow or the tools you already love.
Spending Pattern Analysis
Advanced machine learning automatically detects spending patterns across categories, merchants, and time periods you might miss.
Smart Bill Detection
Identify recurring bills and subscriptions automatically, even when they vary slightly each month.
Predictive Budget Recommendations
AI-powered budget suggestions based on your historical spending patterns and upcoming obligations.
Multi-Account Intelligence
Analyze patterns across YNAB budgets, checking accounts, credit cards, and savings in one unified view.
Privacy-First Design
Your financial data stays yours. We analyze it to provide insights, never sell it to advertisers.
See What AI Insights Look Like
Real examples of insights FinInsights generates from your YNAB data
"Your grocery spending is 40% higher than usual this month"
Detected: 3 large Costco purchases totaling $450 (vs. avg $110/purchase)
Recommended: Adjust "Groceries" target from $500 to $600 for next month
"You're under-budgeting for car insurance"
Detected: $1,200 annual payment in June, but only $800 saved by May
Recommended: Increase monthly target from $100 to $120 to avoid shortfall
"Subscription detected: Spotify Premium"
Detected: $10.99 charge every 15th, last 6 months
Recommended: Create monthly target for "Subscriptions" category
The Intelligence YNAB Won't Build
Real frustrations from YNAB users on Reddit
Life Changes Break Your Budget
"I bought a new car and my registration target went from $200/yr to $450/yr. YNAB has NO way to adjust this automatically."- Reddit user, Oct 2025 (118 upvotes)
FinInsights: Life changes? Your budget adapts automatically.
Target System Too Confusing
"I've been using YNAB for 3 years and I STILL don't understand when to use 'Needed for Spending' vs 'Savings Balance by Date'."- Reddit user, Oct 2025 (102 upvotes)
FinInsights: No more target type confusion. AI recommends the right amount.
Variable Bills Not Supported
"My electric bill ranges from $80-$250. YNAB makes me pick ONE target. I built my own Python script to calculate rolling averages."- Reddit user, Oct 2025
FinInsights: Rolling averages with seasonal adjustment. Built in.
No Future Expense Forecasting
"I would love to see what my expenses would look like next week or next month. YNAB says 'future money is a pipe dream.'"- Reddit user, Nov 2025
FinInsights: YNAB budgets today. FinInsights plans tomorrow.
How It Works
Create Free Account
Sign up in seconds. No credit card required for the free beta. Full access to all features immediately.
Connect Your YNAB Budget
Securely link your YNAB account via OAuth. We never see your password. Read-only access means your budget stays safe.
Get AI Insights
Our AI analyzes your spending patterns, detects anomalies, and generates personalized recommendations instantly.
Make Better Decisions
Use predictive insights, cash flow forecasting, and smart budget recommendations to improve your financial health.
Your Data Is Safe
Privacy-first design. Your financial data stays yours.
Encrypted at Rest & Transit
Industry-standard AES-256 encryption protects your data at every step.
We Never Sell Your Data
Your financial information is never shared with advertisers or third parties. Period.
OAuth 2.0 Security
We connect to YNAB securely. We never see your password. Revoke access anytime.
You Control Your Data
Disconnect integrations anytime. Request data export or deletion. Full transparency.
Ready to Make Your YNAB Budget Smarter?
Start your FREE beta today. Full access to all features. No credit card required.
Free through Q1 2026 - Beta users lock in grandfather pricing
We are not affiliated, associated, or in any way officially connected with YNAB or any of its subsidiaries or affiliates. The official YNAB website can be found at https://www.ynab.com. The names YNAB and You Need A Budget, as well as related names, trademarks, emblems, and images are registered trademarks of YNAB.