Shawn Cao

I was scrolling through the list of merchants in Fina Money — it felt plain and, honestly, a little boring.

Personal finance and budgeting apps have become essential tools for managing our finances in today's digital age, but this market is so crowded that it is hard to choose the best one for you.

Companies are competing to provide the best features, user experience, and integrations with banks and financial institutions. When you search for the best personal finance apps, you will find a lot of articles and reviews, but they are often biased or outdated. In this article, we will explore the key features that make a personal finance app the best choice for you, and why Fina is the best personal finance and budgeting app in 2025.

When you hear the term "financial literacy," what comes to mind?

It seems an overwhelming complex topic, but in fact, it comes down to a few key concepts that everyone can understand and apply in their daily life.

Maybe you just started your career as a young professional, maybe you're managing big investments and assets in mid-life, or maybe you're thinking about retirement planning soon…

No matter what stage of life you're at, finance is one of the most important parts of it. Managing your finances well lays a secure foundation for a happy life.

You need a finance tracker.

A finance tracker not only keeps you on track with spending and budgeting but also gives you comprehensive financial clarity to feel financially secure.

Zero based budgeting is very popular in personal finance, because it is very simple but effective. Most of people can understand it easily and implement it in their daily life.

Budgeting tool like YNAB (You Need A Budget) is built around this concept, and it has been adopted by many people to manage their finances.

However, if you do not want to manage your finances in a religious way, you may find it hard to stick, and may not want to continue paying a high subscription fee for it.

Fina is built to be a flexible and powerful tool for personal finance, and we can implement it easily in Fina and use it in a flexible way.

When it comes to money — and life — nothing makes sense in isolation.

Building a brand-new product from scratch is hard — especially when you’re unsure if there’s market fit.

The harsh reality? Most of the time, people simply don’t care.

Repaying your debt can often feel challenging. That’s why making a plan to manage your payments and balances can help. Take a look at these tips and discover some small steps you can take today that may make managing your debt easier.

I like this quote from Wells Fargo and found it's relevant to Fina users. So here are expanded tips for managing debt effectively, along with how Fina can help you in each step.

At the heart of personal finance management is one essential task: tracking your transactions.

A big part of that is understanding your spending (or earnings) by merchant—so you can answer questions like:

• How much have I spent with a specific vendor?

• What does that look like over time?

• How does it break down by category?

Multi-Profile Feature​

Multi-profile is a unique and exclusive feature of Fina. Till today, you won't find the similar power in other apps.

It allows you to setup complete different tracking system to manage different financial situations or projects easily.

For example, you can setup a profile for your personal finance, another one for your family finance, and a third one for your business finance. Each profile has its own independent tracking system, including categories and rules.