What Fina Can Do That Other Personal Finance Apps Can’t
Would you like to choose an app that adapts to you, or vice versa?
In a crowded personal finance app landscape, choosing the right tool can make the difference between tolerating your finances and truly mastering them.
While apps like Monarch Money have made strong strides in budgeting and mobile experience, Fina Money is emerging as a fundamentally different platform - one built for giving you true ownership, flexibility, and control over how you view, organize, and grow your financial life.
1. A Finance System You Build
Topic: Modular and customizable by design
Fina doesn’t just track transactions and show charts, it lets you build your own financial tracking system from the ground up. Think Notion-style blocks for finance, where dashboards, metrics, and reports are crafted around your needs, pre-defined templates are just the inspiration for you to create more.
Instead of being boxed into a few dashboards like most budget apps offer:
- You can create unlimited pages and dashboards tailored to your goals.
- You can mix blocks like text, charts, tables, formulas, and custom metrics.
- You can define your own financial logic. e.g., calculating net cash flow for a side business or rolling up freelance revenue vs expenses.
This level of flexibility to construct a finance workspace that mirrors your world isn’t offered by apps like Monarch Money, which prioritize pre-built views over user-built ones.
2. Multiple Profiles for Diverse Financial Lives
Topic: Not just one “household” view but many simultaneous ones
Fina supports multiple financial profiles within one workspace. Each profile is an independent container that represents one side of your finance lives. This means you can track:
- Personal finances
- Joint accounts separately or together
- Business finances
- Side hustles or freelance ventures
- Investment portfolios
- Specialized financial goals
Each profile has its own accounts, transactions, categories, rules and dashboards. It’s like having many apps in one, without mixing the data together. However, you can aggregate them in reporting if you want, such as “total net worth” of all.
Contrast this with Monarch: while it supports joint accounts and shared dashboards for couples, it doesn’t natively support distinct profiles with segregated data sets and custom configurations.
3. AI-Driven Transaction Categorization and Insights
Topic: Intelligence could be transparent and safe.
Fina uses advanced AI to auto-categorize transactions and surface insights tailored to your specific behavior and goals. All the personalized learning happens within your workspace. This means:
- Faster setup with less manual cleanup
- Smarter trend detection over time
- Personalized insights based on your actual financial patterns
Monarch offers flexible categorization and robust budget tools, but it’s not known for the same degree of data-driven personalization through user-specific AI logic.
4. Formula Metrics
Topic: Build Your Own Financial Logic
One of Fina’s most powerful differentiators is the ability to define custom formulas and metrics, similar to spreadsheets, but connected to live financial data.
For example, you could define metrics like:
- “Profit margin on my freelance work over the last 90 days”
- “Net cash flow across all rental properties”
- “Recurring subscription cost trends month-over-month”
These aren’t just static dashboards, they are living calculations tied to real data. Monarch and most traditional apps don’t offer native formula building in the same flexible way.
5. Seamless Collaboration
Topic: Make Great Relationships with Partners, Clients, or Advisors
Fina offers flexible collaboration, and it is simple to collaborate.
Depending on your needs, you can selectively share:
- Categories setup sharing through a link.
- Custom reports through a shared document link.
- Entire workspace by inviting guest accounts.
This is especially useful for:
- Couples managing shared finances and personal budgets.
- Freelancers or small business owners sharing financials with a partner.
- Financial advisors reviewing client data with permissions.
Monarch does offer joint accounts and shared views for couples, but Fina’s granular share controls and multi-scenario collaboration are built for real-world complexity (personal + business + joint finances together).
6. Designed for Complex Financial Contexts
Topic: Comprehensive finance picture beyond budgets
Fina was built with more than just everyday spending in mind. It’s designed to support:
- Multi-currency, financial assets, real estate.
- Investment tracking.
- Customized reporting and exports.
- Multi-use cases like business + personal finances.
- Integration with spreadsheet tools like Google Sheets for users who want advanced workflows with live data.
- Dynamic budgeting rather than static budget setup.
Monarch excels at budgeting and net worth tracking, but Fina emphasizes flexibility and extensibility, especially for people with diverse or evolving financial lives.
7. A Community and Resource Ecosystem
Topic: Community based ecosystem.
Unlike many apps that treat the product as a closed system, Fina emphasizes:
- A community ecosystem
- Templates and reports you can share
- Roadmaps shaped by community feedback
This orientation helps users learn from others and evolve how they track their finances collaboratively, a different mindset than static budgeting tools.
Why This Matters for You
Choosing a personal finance tool isn’t just about features, it’s about *what you want your finances to become. If your goals are:
- ✅ Simple budgeting and expense tracking: Monarch is strong here.
- ✅ Customizing every aspect of your financial view: Fina leads.
- ✅ Managing multiple contexts — side hustles, business, family finances: Only Fina offers true multi-profile support.
- ✅ Building real financial logic beyond static dashboards: Fina’s formulas give you spreadsheet-style analytics with live data.
Quick Recap
While apps like Monarch Money are excellent tools for budgeting and net worth tracking with a premium experience, Fina Money fundamentally reimagines how financial management works - giving you a system you design, not one you adapt to.
For anyone with complex goals, diverse income streams, business financials, or simply a desire for deeper, personalized financial clarity, joining Fina means getting capabilities that other apps simply don’t provide.
White Label
If you’ve read this far, you likely have a clear picture of what Fina really is. At its core, Fina isn’t just another budgeting app, it’s a platform that empowers people to build and customize their own financial app.
That’s exactly why the Fina White Label program exists. We’re looking for community leaders who want to create a fully branded experience, set it up in their own way, and serve their audience’s unique needs—whether that’s budgeting, investing, or business insights.
If this resonates with you, take a look at our simple and affordable white-label plan and see what you can build on Fina:
👉 Fina White Label: https://app.fina.money/doc/OiUcfvEQoVrDko