Finlynq

Free plan AndroidAPIiPhoneSelf-hostedWeb

What Finlynq is

Finlynq is an open-source personal finance app for individuals and households. It tracks income, expenses, budgets, investments, loans, net worth, and financial goals through web, iOS, Android, API, or self-hosted access. Budgeting includes rollover envelopes; investment tools track lot-based cost basis and dividends, with multi-currency support and historical exchange-rate lookups. Canadian account tracking covers RRSP, TFSA, and RESP contribution room against CRA-published limits. Users can import CSV, OFX, QFX, PDF, and email data, connect banks with a review step, and export reports. Its MCP server connects with compatible assistants such as Claude, Cursor, Windsurf, and ChatGPT custom GPTs, offering 54 HTTP tools and 89 stdio tools. Finlynq says bank credentials are held by a third-party aggregator. Sensitive fields are encrypted using AES-256-GCM with a key derived from the user's password; forgetting that password can make encrypted data unrecoverable. The free plan includes all features and is listed as free.

Who it suits

Finlynq suits individuals and households who want to organize budgets, accounts, investments, and financial goals. Self-hosting is available for users who want to run it with Docker Compose and PostgreSQL.

What it does well

Tracks budgets, investments, loans, and financial goals
Imports CSV, OFX, QFX, PDF, and email data
Connects to compatible assistants through its MCP server
Free plan includes all features
Offers managed cloud and self-hosting

What to know first

Forgotten passwords can make encrypted data unrecoverable
Managed cloud retains HTTP logs for 30 days
Managed cloud backups are retained for 7 days

Limits

The free plan is free forever and includes all features. Finlynq says forgotten passwords can make encrypted data unrecoverable; managed cloud retains operational HTTP logs for 30 days and database backups for 7 days.

Plans

Plan	Billed and limits	Price
Free	Free forever; all features included · 54 HTTP MCP tools · 89 stdio MCP tools · iOS app · Android app	Free
Everything, included	54 MCP tools (HTTP) · 89 (stdio) · all features · managed cloud or self-hosted	Free

As finlynq.com lists them, read 22 Sept 2026. The maker's own page has the final word.

Getting started

Open finlynq.com to use the web app
Choose the iOS or Android app for mobile access
Connect a bank account directly and review the connection
Import CSV, OFX, QFX, PDF, or email data
Self-host with Docker Compose and PostgreSQL if preferred
Connect an MCP-compatible assistant using Finlynq's MCP server

Verdict

Finlynq brings budgeting, account tracking, imports, investment records, and assistant integrations into a free personal finance app. Its password-derived encryption key makes password recovery an important consideration, while self-hosting offers another deployment option.

Questions

How much does Finlynq cost?

Its Free plan costs nothing, billed free forever. The Everything, included plan is also free.

Is there a free plan?

Yes. The free plan includes all features, including 54 HTTP MCP tools, 89 stdio MCP tools, and the iOS and Android apps.

Which platforms does Finlynq support?

It supports web, iOS, Android, an API, and self-hosting.

Can I self-host Finlynq?

Yes. Self-hosting uses Docker Compose and PostgreSQL, with the same feature set as managed cloud.

Is Finlynq open source?

Yes. Finlynq describes itself as an open-source, donation-funded project with no paid tiers or advertising.

Does it connect to AI assistants?

Its MCP server supports Claude, Cursor, Windsurf, ChatGPT custom GPTs, and other MCP-compatible assistants. It provides 54 HTTP tools and 89 stdio tools.

Facts from Finlynq's own pages

Account sync: both · finlynq.com, 22 Sept 2026
AI integrations: Its built-in MCP server supports Claude, Cursor, Windsurf, ChatGPT custom GPTs, and other MCP-compatible assistants. · finlynq.com, 12 Oct 2026
Bank connections: Finlynq supports direct bank connections with a review step, and says bank login credentials are held by a third-party aggregator rather than Finlynq. · finlynq.com, 12 Oct 2026
Budgeting and investments: Features include rollover envelope budgets, lot-tracked investment cost basis, dividends, multi-currency support, and historical FX lookups. · finlynq.com, 12 Oct 2026
Budgeting tools: Yes · finlynq.com, 22 Sept 2026
Canadian accounts: Finlynq tracks RRSP, TFSA, and RESP contribution room against CRA-published limits. · finlynq.com, 12 Oct 2026
Encryption: Finlynq says it encrypts sensitive fields with AES-256-GCM using a key derived from the user's password; forgotten passwords can make encrypted data unrecoverable. · finlynq.com, 12 Oct 2026
Free plan: Yes · finlynq.com, 22 Sept 2026
Imports: The app supports CSV, OFX, QFX, PDF, and email imports. · finlynq.com, 12 Oct 2026
Intended users: Finlynq describes itself as a personal finance app for individuals and households, and says it is not a broker and does not execute trades or hold customer funds. · finlynq.com, 12 Oct 2026
Maker and funding: Finlynq describes itself as an independent, bootstrapped, donation-funded open-source project with no paid tiers or advertising. · finlynq.com, 12 Oct 2026
MCP tools: The first-party MCP server provides 54 HTTP tools and 89 stdio tools. · finlynq.com, 12 Oct 2026
Mobile apps: Native iOS and Android apps cover Dashboard, Transactions, Import, Budgets, and Settings. · finlynq.com, 12 Oct 2026
Net-worth tracking: Yes · finlynq.com, 22 Sept 2026
Privacy and retention: The managed cloud retains operational HTTP logs for 30 days and database backups for 7 days, and says it does not sell or rent user data. · finlynq.com, 12 Oct 2026
Product: Finlynq is an open-source personal finance app for tracking income, expenses, budgets, investments, loans, and financial goals. · finlynq.com, 12 Oct 2026
Report export: Yes · finlynq.com, 22 Sept 2026
Self-hosting: Users can self-host with Docker Compose and PostgreSQL, with the same feature set as the managed cloud. · finlynq.com, 12 Oct 2026

Where Finlynq stands on Freedom251

Personal Finance Software#7 of 181