The financial oracle for households
You don’t have a money problem.
You have a visibility problem.
Finora watches every account, card, and benefit your household touches — then shows you the $10,000 a year most families leave on the table, before it slips away.
Coming from another app? Migration takes 60 seconds.
Mint (shut down)
“Intuit shut Mint down in October 2024. I had 8 years of categorized data and nowhere to go.”
CSV import preserves your history · Plaid reconnects in 2 minutes
Rocket Money
“Paying $5/mo so an app could remind me about subscriptions. Did nothing else useful.”
Finora flags zombie subs AND finds HSA + reimbursements they miss
Monarch Money
“Beautiful dashboards but no HSA, no card optimizer, no tax exports. Felt like Mint with new paint.”
Direct CSV import · Same Plaid feed · Adds HSA + Card Router + Form 8889
The money you can’t see is the money you lose.
The average tax-optimizing household leaves this much on the table every year — in missed HSA dollars, wrong-card swipes, and forgotten reimbursements.
View methodology + IRS 2024 source data →The others track. Finora sees.
| Capability | Finora | Mint | Rocket Money | Monarch | Copilot | YNAB |
|---|---|---|---|---|---|---|
| HSA / FSA / DCFSA engine | ● | — | — | — | — | — |
| Ghost Ledger forecast | ● | — | — | partial | partial | — |
| Smart Card Router | ● | — | — | — | — | — |
| Subscription detection | ● | — | ● | partial | — | — |
| Tax exports · 8889 · Schedule E | ● | — | — | — | — | — |
| Business trip + reimbursement | ● | — | — | — | — | — |
| Rental property · Schedule E | ● | — | — | — | — | — |
| Money Meeting Mode (couples) | ● | — | — | — | — | — |
| Free tier | ● | shut down | — | — | — | — |
| Starts at | $0 / $6.99 | — | $5 - $12 | $14.99 | $13.00 | $14.99 |
Everything Finora watches. Drag to explore.
HSA / DCFSA Engine
IRS Pub 502 + 503 detection. Flags every eligible expense and queues one-click reimbursement. Average household recovers $3,180/yr.
Ghost Ledger
Past + forecasted transactions on a single timeline. Bills, paychecks, scheduled spend — see your next 30 days before they arrive.
Smart Card Router
Tells you the best card per swipe based on category + rewards rate. Worth ~$612/yr in unclaimed rewards for active 4+ card households.
Subscription Tracker
4-layer detection — system DB + cadence patterns + price-change alerts + cancellation sweep. Direct cancel links to merchant billing pages.
Forgotten Reimbursements
Employer, FSA, warranty, insurance claims. Money owed back to you that quietly expires unclaimed. Average household: $2,734.
Crystal Ball Dashboard
5-tile view: Income · Expenses · Cards · Savings · Tax/HSA. Sparkline + delta on each. Drill into the one that needs attention today.
Money Meeting Mode
The couples ritual that replaces the monthly budget fight. Wins, watches, upcoming bigs, one thing to fix — in 10 minutes.
Trip Tracker
Business + personal travel with per-trip P&L. Pull receipts, map expenses to per-diem, generate reimbursement reports for HR.
Rental Property
Schedule E ready. Track rental income, depreciation, §280A personal use, insurance events, repairs. CPA-grade output at tax time.
Tax Engine
Form 8889 (HSA), Schedule E (rental), 1099-MISC tracking, quarterly threshold alerts. Hand to your CPA or export to TurboTax.
Goals + Sinking Funds
Property tax in October, kids' college in 2030, refi in 18 months — tag transfers as goal contributions, see progress on a single board.
Anomaly Alerts
Spending spike vs your 6-month average. Catches subscription price hikes, fraud, accidental double charges before your statement closes.
HSA + FSA + DCFSA Engine — your tax-free $3,180.
HSA gets the headlines, but most US households have at least one of HSA, FSA, or DCFSA — and most leak thousands a year on all three. Finora watches IRS Pub 502 (HSA + medical FSA) AND Pub 503 (DCFSA dependent care) and queues one-click reimbursement for whichever accounts you actually have.
Detect
Every transaction scanned against three rule sets:
HSA / FSA: pharmacy, doctor, dental, vision, therapy, lab.
LP-FSA: dental + vision (auto-detected if you have HSA + FSA).
DCFSA: daycare, preschool, day camps, after-school care, nanny.
Flag
Surfaces eligible expenses with the IRS rule that applies + which of your accounts can claim it. Couples get a Money Meeting summary: “$847 reimbursable this month — your call.”
Queue
Reimbursement queue with receipts + IRS reference + plan year. One click submits to your HSA / FSA / DCFSA admin (HealthEquity, Fidelity, WageWorks, etc).
File
Form 8889 (HSA) + DCFSA carryover tracking + FSA “use-it-or-lose-it” alerts. CSV for your CPA. Audit-trail receipts archived 7 years.
in combined HSA + FSA + DCFSA tax savings the average Finora household recovers — even households with no HSA at all. No other tracking app does any of this. This single feature pays for Oracle 13x over.
The Ghost Ledger — your future, before it arrives.
Finora drifts tomorrow’s bills, paychecks, and forecasted spend in ahead of the NOW line — so you never get surprised by a date you could’ve seen coming.
Smart Card Router — always the right card.
Best card right now
One dashboard. Five answers.
Money Meeting Mode
Finora doesn’t just track money — it aligns the people spending it.
Real households. Real dollars recovered.
“Finora flagged a $1,800 HSA reimbursement I'd forgotten — from a dental procedure last March. Already paid for Oracle for the next decade.”
“I'd forgotten my employer owed me $2,734 in conference reimbursement. Rocket Money flagged the subs. Finora flagged the bigger thing.”
“My wife and I had three different finance apps + a spreadsheet. Money Meeting Mode replaced our monthly 'budget fight' with a 10-min check-in.”
“The card router told me I was using my 1% card at restaurants where my 4% card was sitting in my wallet. $612 of rewards I would've left on the table.”
Plans that pay for themselves.
- CSV / XLSX uploads + manual entry
- Basic dashboard + net worth
- Category tracking
- Financial-personality quiz
- 2 bank connections (Plaid)
- AI auto-categorization
- Crystal Ball dashboard
- Subscription tracker · 2 members
- Unlimited bank connections
- HSA / DCFSA engine
- Ghost Ledger · anomaly alerts
- Money Meeting · unlimited members
- Smart Card Router
- Tax exports · Form 8889
- Rental Schedule E · Trip Tracker
- CPA portal · priority support
| Plan | Monthly | HSA engine | Tax exports | Free tier |
|---|---|---|---|---|
| Quicken Simplifi | $5.99 | No | No | No |
| Finora Seeker | $6.99 | Seer+ | Oracle | Yes |
| Copilot Money | $13.00 | No | No | No |
| Finora Seer | $12.99 | Yes | Oracle | Yes |
| YNAB | $14.99 | No | No | No |
| Monarch Money | $14.99 | No | No | No |
| Finora Oracle | $19.99 | Yes + DCFSA | Yes | Yes |
Your money’s view is yours alone.
Bank-level encryption
256-bit encryption in transit and at rest. We never store your bank credentials.
Read-only by default
Connections via Plaid are read-only. Finora can see your money — it can't move it.
We don't sell data
No ads, no data brokers. Your household's finances are never the product.
Export anytime
Your data, your call. Full CSV and tax exports, delete on request — no lock-in.
Word-of-mouth gets rewarded.
Refer a household, get 3 months Oracle free. They get 3 months too. Built into the product — no codes, no friction.
Stop tracking money.
Start seeing it.
Free forever to start · no credit card · 60-day money-back on annual · 2 minutes to your first insight
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