01 Getting Started
Finwise AI is your AI Finance Coach. No account, no email, no data ever leaves your device. All your transactions, goals, and net worth items are automatically saved to IndexedDB on your device — data persists across app restarts, no internet needed.
💡 Tap "Start Your Finance Coach →" on the welcome screen. That's it — you're live in under 10 seconds.
First Steps
Go to Transactions tab → tap + Add
Add your Monthly Salary — tap "💼 Salary" income type — this powers predictions
Add a few expenses — the AI instantly starts coaching you
Check your Dashboard to see your Financial Fitness Score
02 Navigation
| Tab | What it does |
|---|
| 🏠 Dashboard | Main overview — balance, fitness score, chart, predictions, budget envelopes |
| 📋 Transactions | Full transaction list with search, filter, and CSV import |
| 🎯 Goals | Savings goals, Financial Planner (Debt/Savings/Investment), goal progress tracking |
| 💬 Coach | Natural language AI chat — ask anything about your finances |
| ⋯ More | Privacy audit, dark mode, round-up savings, subscriptions, this manual |
03 Adding Transactions
Income Types
| Type | Use when |
|---|
| 💼 Salary | Your regular monthly pay — used for cash flow projections and balance predictions |
| 🎁 Bonus | Performance bonuses, gifts, irregular income |
| 💻 Freelance | Project-based consulting or gig work |
💡 Always log your main income as "💼 Salary" — this is what the AI uses to predict next month's balance.
CSV Import
Go to Transactions → Import or More → Import Bank CSV. Drop your bank's statement file. The AI auto-categorises transactions by keyword. 100% on-device — nothing uploaded.
04 Dashboard Explained
| Widget | What it shows |
|---|
| Net Balance | Total income minus all recorded expenses |
| Safe-to-Spend | Balance after a 15% emergency buffer is reserved |
| Health Score | Excellent (20%+) / Good (10-19%) / Fair / At Risk |
| Fitness Score | 0–100 score based on savings rate, streak, buffer, engagement |
| Smart Nudge | Personalised coaching alert — updates based on your data |
| Envelope Budget | 50/30/20 rule — Needs, Wants, Savings with progress bars |
| Predictions | Next month forecast and 5-year wealth projection at 7% growth |
| Net Worth | Your assets minus liabilities = true financial position |
Fitness Score Breakdown
40 pts — Savings rate (2 pts per 1%)
20 pts — Emergency buffer funded
20 pts — 7-day activity streak
20 pts — Transaction engagement
05 AI Coach Commands
Type any of these in the Coach tab, or tap the quick-prompt buttons:
Analyse my week
Am I on track?
Roast my spending
What if I spend 500
Show my budget rule
How do I invest?
Tell me about my debt
Is my data safe?
How to save money
What are my goals
💡 For best results, add at least 3–4 transactions first. The more data you provide, the more personalised the coaching.
06 Goals & Financial Planner
Creating a Goal
Go to Goals tab → + New Goal. Enter name, target amount, current savings, and monthly contribution. The AI instantly calculates when you'll reach your goal.
Financial Planner (3 Modes)
💳 Debt/Loan Payoff — enter balance, interest rate, and monthly payment to see months to payoff and total interest. Works for hand loans, bank loans, and credit cards.
🏦 Savings Target — set a target and monthly contribution to see exactly when you reach your goal (trip, emergency fund, school fees, luxury purchase).
📈 Investment Growth — compound interest calculator showing how your savings grow over time at a given return rate.
💡 Avalanche method (highest rate first) saves the most interest. Snowball method (smallest balance first) gives the fastest psychological wins.
07 Privacy & Security
| What | Status |
|---|
| Data storage | Your device only |
| Server uploads | Zero — none |
| Account required | Ghost mode — none |
| On close | Saved to device (IndexedDB) |
| Encryption | HTTPS end-to-end |
| AdSense (web) / AdMob (app) | Device ID only (anonymous) |
💡 Your data is saved automatically to your device using IndexedDB. Use More → Data Management → Export Backup to create a JSON backup file you can restore anytime.
Tap the green pulse dot in the header or go to More → Security Audit for a full real-time transparency report.
08 FAQ
Is my data saved when I close the app?
Yes — your transactions, goals, and net worth items are automatically saved to your device using IndexedDB, which persists across app restarts. No account or internet connection is needed. Your data never leaves your device.
How accurate is the 5-year forecast?
It uses 7% annual growth — consistent with long-term global equity market averages. Educational illustration only, not financial advice.
What do the ads see?
When browsing via your browser, Google AdSense shows ads. When using the Android app from Play Store, Google AdMob shows ads. In both cases only an anonymous device identifier is used for ad targeting — your financial data is never shared with Google or anyone else.
Can I export my data?
Yes — go to More → Data Management → Export Backup. This downloads a JSON file containing all your transactions, goals, and net worth data. Use Import Backup to restore it on any device. Keep this file safe — it contains your complete financial history.
Need Help?
© 2026 Finwise AI - Finance Coach · v2.1 · Md. Ahsan Habib CDCS CAMS