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FinPM

AI-powered personal finance for European households — multi-currency by default, all data stays in the EU.

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Overview Dashboard
https://app.finpm.eu
FinPM overview dashboard with net worth, cashflow trend and category spending
Open
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Supported banks
across the EU
0%
Manual categorisation removed
<0s
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EU only
Data residency
Why this exists

European households face a finance-app landscape built for the United States. Tools like Monarch and Copilot were not designed for European bank accounts, EU payment standards, or multi-currency life — and most either don't connect to European banks or route data through US servers. The few EU alternatives bury users under endless manual categorisation. None handle the 'yours, mine, ours' reality of couples and families.

What it is

A privacy-first finance platform with manual import for everyone and automatic bank sync across 1,200+ European banks for selected users today, with broader rollout in progress. Once connected, a full financial picture loads in under five seconds. Multi-currency is first-class: every transaction keeps the amount and currency it was actually made in, with daily conversion against official rates — so nothing gets lost in translation.

Transaction categorisation is handled by an AI model hosted entirely inside the EU — no data ever leaves European servers. The system learns from how you have categorised similar transactions before, so the more you use it the less you have to fix. Result: roughly 90% less time spent on manual categorisation.

Household sharing is role-based: owners and members each have clear permissions on shared accounts, while personal accounts stay completely private. Every consent and every change is logged — GDPR-compliant by design, not by retrofit.

Stack

Built with

A pragmatic stack — selected to ship fast without trading away long-term operability.

29 technologies · 6 layers

Frontend

7 tools

  • Next.js 16
  • React 19
  • TypeScript
  • Tailwind CSS
  • shadcn/ui
  • TanStack Query
  • next-intl

Backend

6 tools

  • Python 3.12
  • FastAPI 0.120
  • SQLAlchemy 2.0
  • asyncpg
  • Pydantic 2
  • Uvicorn

Database

3 tools

  • PostgreSQL
  • JSONB for flexible metadata
  • SQLAlchemy async ORM

AI / ML

4 tools

  • Google Gemini (via Vertex AI EU)
  • gemini-embedding-001
  • Retrieval-augmented categorisation
  • Prompt caching

Auth & Security

4 tools

  • JWT + HTTP-only cookies
  • NextAuth 4
  • Email OTP (pyotp)
  • Argon2 password hashing

Infra & DX

5 tools

  • Vercel (web)
  • Railway (backend)
  • Supabase / Neon (DB)
  • GoCardless Open Banking
  • Sentry
Highlights

What makes it work

01

AI that learns your habits

The categorisation engine learns from your own history — once you correct it a few times, similar transactions sort themselves. Rule-based fallbacks cover anything new, so nothing slips through.

02

Multi-currency, end to end

Every transaction keeps the amount and currency it was actually made in. Budgets, net worth, and analytics all respect that — no silent conversions, no hidden surprises on the exchange rate.

03

Household roles & shared accounts

Couples and families share accounts with clear owner/member roles. Personal accounts stay private. Money moving between joint and individual accounts is tracked properly — built for how European households actually share finances.

04

EU-first data residency

All AI processing — and all user data — stays inside the EU. No US cloud anywhere in the data path. Every consent is tracked, every change is logged: GDPR by design, not afterthought.