Getting Started
What is FinqoAI?
FinqoAI is an AI-powered personal finance platform designed to help you manage your money through natural conversation — not manual forms, spreadsheets, or complicated dashboards.
Instead of entering each transaction manually and selecting categories by hand, you simply describe what happened to the AI and it handles the organization automatically.
The core idea: Managing finances should feel as natural as sending a message to a friend — not like maintaining an accounting system.
FinqoAI helps you track expenses, income and financial trends all in one place, powered by AI that understands your financial activity from plain language or voice.
How FinqoAI Works
The platform operates through three layers working together:
- You communicate: Type or speak your financial activity in plain language — any amount, any format, any language (English or Spanish).
- The AI understands: FinqoAI's AI analyzes your message, extracts the relevant financial information (amounts, types, categories, dates), and converts it into structured records.
- The platform organizes: Your records are stored, categorized, and used to generate statistics, reports, trends, and insights visible on your dashboard.
FinqoAI creates:
→ Expense: Transportation · $5.00
→ Expense: Food · $12.00
→ Subscription: Netflix · $15.99
No manual categorization, no individual entries, no spreadsheet maintenance.
Quick Start Checklist
Most users are tracking finances within 5 minutes. Here's the recommended path:
- Create your account (email or Google Sign-In)
- Verify your email address if you registered with email
- Complete your profile — set your name and preferred language
- Create your first financial account (e.g., "Personal", "Business", "Savings")
- Record your first transaction by typing it naturally to the AI
- Explore your Dashboard to see your balance and statistics
- Add more transactions — the more you add, the more useful insights become
Tip: You can record several transactions from the same day in a single message. No need to send them one by one.
Creating Your Account
FinqoAI supports two registration methods:
- Email & Password: Enter your email, create a password, then verify your email with a 6-digit code sent to your inbox.
- Google Sign-In: Click "Continue with Google", select your Google account, and approve. No verification code needed — your account is created instantly.
Both methods give you access to the same platform and features. Use whichever you prefer, but always log in with the same method you used to register.
Important: If you register with email, always log in with email. If you register with Google, always log in with Google. Using a different method may create a second account.
Your First Transaction
Once you have an account and have created at least one financial account, open the AI chat and describe your financial activity naturally. You don't need any special commands or format.
"I spent $10 on coffee."
"I received $500 from a client."
"I paid my electricity bill — $85."
"Netflix charged me $15.99."
"I lent John $50."
The AI will confirm what it recorded and show you the created transaction. If anything is incorrect, you can edit the record directly.
Account Management & Login
Registration Methods
Email registration: Go to the sign-up page, enter your email and password, submit, then enter the 6-digit verification code from your inbox. Check spam and promotions folders if the code doesn't arrive within a few minutes.
Google Sign-In: Click "Continue with Google", choose your account, approve the permissions. Your FinqoAI account is created immediately with no additional verification step.
Email not arriving? Check your spam folder, wait 3–5 minutes, then request a new code from the login page. If it still doesn't arrive after two attempts, contact support.
Logging In
Use the same method you used when you registered:
- Email + password → use the email login form
- Google → click "Continue with Google"
Both paths lead to the exact same account if they were used to create it. If you're unsure which method you used, try Google first (it won't create a duplicate if you already have a Google-linked account), then try email.
Forgot Your Password?
- Go to the login page and click Forgot Password
- Enter the email address you used to register
- Check your inbox for a password reset email (check spam too)
- Follow the link in the email to set a new password
- Log in with your new password
You can also change your password while logged in: navigate to Profile → Settings → Change Password. A verification code will be sent to confirm the change.
Password not arriving? Check your spam and promotions folders. The email typically arrives within 2 minutes. Request another if it doesn't come after 5 minutes.
Account Security Best Practices
- Use a strong, unique password — mix uppercase, lowercase, numbers, and symbols. Example:
MyFinqo#2026Secure! - Never share your verification codes — FinqoAI support will never ask for them. Anyone who does is attempting to access your account.
- Avoid public computers — always log out after using FinqoAI on a shared or public device.
- Monitor your activity — if you notice unfamiliar records, change your password immediately and contact support.
- Never reuse passwords — don't use the same password as your email, bank, or other services.
Suspicious activity? Change your password immediately at Profile → Settings → Change Password, then contact us at support@finqoai.com.
Deleting Your Account
Account deletion is permanent. Before proceeding, make sure you have reviewed any important records.
Free accounts: Go to Profile → Settings → Delete Account and confirm. Your data is scheduled for removal.
Paid accounts: You must cancel your plan first (Profile → Plan → Cancel), wait for confirmation, then proceed to Profile → Settings → Delete Account.
Warning: Deleted accounts and their financial records may not be recoverable. If you deleted your account by mistake, contact support immediately at support@finqoai.com — recovery cannot be guaranteed.
What gets deleted: All financial records, accounts, expenses, income, statistics, profile information and settings associated with your account.
Multiple Financial Accounts
Inside FinqoAI you can create multiple financial accounts to organize different areas of your finances. These are not bank accounts — they're organizational workspaces within the app.
- Free Plan: 1 account
- Monthly & Annual Pro: Up to 10 accounts
Common account structures: Personal · Business · Savings · Travel · Emergency Fund · Side Project. Each account keeps its own balance, history, and statistics completely separate.
AI Assistant & Transactions
How the AI Assistant Works
The AI Assistant is the core of FinqoAI. When you send a message, the AI analyzes it and looks for:
- Financial amounts and currencies
- Type of transaction (expense, income)
- Dates and timing references
- Categories (food, transport, entertainment, salary, etc.)
- Named parties (clients, friends, services)
It then creates structured records that appear in your dashboard, update your balance, and contribute to your statistics. The AI works in both English and Spanish and handles mixed-language messages.
Message limit: The AI supports messages up to 500 characters. This is enough for most multi-transaction descriptions. For longer sessions, send several messages.
Recording Expenses
Expenses represent money leaving your account. Just describe what you spent — no special format required.
"I spent $12 on lunch" → Expense · Food · $12.00
"Paid $45 for gas" → Expense · Transportation · $45.00
"Bought a new keyboard, $80" → Expense · Electronics · $80.00
"Electricity bill $95 this month" → Expense · Utilities · $95.00
"I went shopping and spent $120 at the supermarket" → Expense · Food/Groceries · $120.00
The AI infers the category from context. You never need to manually select it, though you can always edit it afterward if the category isn't what you expected.
Recording Income
Income represents money coming into your account. Describe it naturally — salary, freelance payments, client transfers, bonuses, gifts, or any other earnings.
"Client paid me $800 for the project" → Income · Freelance · $800.00
"Got a $200 bonus at work" → Income · Bonus · $200.00
"Earned $150 from a side project" → Income · Side Income · $150.00
Recording Multiple Transactions at Once
This is one of FinqoAI's most powerful features. You can describe an entire day's financial activity in a single message and the AI will create each record separately.
Result: 4 separate records created from 1 message — Transportation $5, Food $12, Groceries $40, Entertainment $15.99.
This dramatically reduces the time needed to keep your records up to date. Instead of logging each transaction individually, you can recap your whole day in seconds.
Voice Input
FinqoAI supports voice recording so you can log financial activity hands-free. The AI transcribes your speech and processes the financial information automatically.
Voice is ideal when you're on the go — just finished lunch, getting out of a taxi, or finished shopping. Tap the microphone, speak, and you're done.
Language setup is critical: Go to Profile → Language and select the language you speak. If your profile is set to English but you speak Spanish, transcription accuracy will be poor.
Voice transcription issues? 90% of the time this is caused by the wrong language being set in your profile. Check Profile → Language first.
Other tips for better voice results: Speak clearly, reduce background noise, use a stable internet connection, and keep recordings reasonably short (one to three sentences).
Editing, Correcting, and Deleting Records
The AI is highly accurate but not perfect. You always have full control over your records.
To edit a transaction: Open the transaction → tap Edit → modify the name, category, amount, date, or type → Save. Changes are reflected immediately across your balance and statistics.
To delete a transaction: Open the record → tap Delete → confirm. The record is permanently removed and your balance is updated.
AI made a mistake? Don't worry — just open the transaction and correct it. The edit takes seconds and your statistics will automatically update to reflect the correction.
Common corrections needed: Wrong category assigned (e.g., "groceries" tagged as "shopping") or amount slightly off. Both are easily fixed in the edit screen.
Dashboard, Accounts & Statistics
Understanding Financial Accounts
A financial account in FinqoAI is a separate workspace for a specific financial purpose. Think of them as labeled folders — each one tracks its own balance, transactions, and statistics independently.
Why use multiple accounts? Mixing personal spending with business expenses, savings goals, or travel budgets in a single account makes your data confusing and your reports less useful. Separate accounts give you clarity.
Family setup: Household · Education · Travel · Emergency Fund
Entrepreneur: Personal · Business Operations · Marketing · Investments
Creating an account: Go to Accounts → Create Account → Enter a name → Save. The account is available immediately and you can switch between accounts at any time.
Categories and Automatic Categorization
Categories organize your transactions and power your spending statistics. FinqoAI assigns categories automatically based on what you describe. You never need to select a category manually.
Common expense categories: Food · Transportation · Housing · Utilities · Healthcare · Shopping · Entertainment · Travel · Education · Insurance · Subscriptions · Personal Care · Business · Investments · Savings · Other
Common income categories: Salary · Freelance Income · Business Revenue · Commission · Bonus · Investment Income · Refund · Gift · Other Income
If the AI assigns the wrong category, open the transaction, tap Edit, change the category, and save. The correction applies instantly to all related statistics.
Statistics and Dashboard Overview
The Dashboard is your financial overview. At a glance you can see:
- Current Balance: The net financial position of the selected account (income minus expenses)
- Income Summary: Total earnings, recent income, and income trends
- Expense Summary: Total spending, recent expenses, and where money is going
- Recent Activity: Your last transactions at a glance
- Category Distribution: How your spending breaks down across categories (e.g., Food 25%, Transport 12%, Subscriptions 8%)
- Monthly Performance: How this month compares to previous months
Statistics are a Pro feature. Free plan users have access to basic balance information. Advanced statistics and full dashboard analytics require a Monthly or Annual Pro plan.
Trends, Insights, and Historical Analysis
Statistics transform individual transactions into patterns. Patterns create awareness. Awareness leads to better financial decisions.
Trend analysis answers questions like:
- Am I spending more this month than last month?
- Which categories are growing over time?
- Are my subscriptions adding up?
- Is my income increasing or decreasing?
- How much am I saving each month on average?
The longer you use FinqoAI, the more valuable your historical data becomes. A week of data tells you your current situation. A year of data tells you your financial trajectory.
Best practice: Review your statistics once a month. Look at which category grew the most, whether any subscriptions increased, and whether your income is trending up or down. These reviews take less than 5 minutes and can reveal important patterns.
Billing, Plans & Subscriptions
Plan Comparison
- 25 AI credits (one-time)
- 1 financial account
- Expense tracking
- Debt tracking
- Subscription tracking
- Basic balance view
- Unlimited AI usage
- Up to 10 accounts
- Full dashboard
- Advanced statistics
- Monthly analytics
- Priority support
- Everything in Monthly
- ~$2.42/month effective
- Unlimited AI usage
- Up to 10 accounts
- Full dashboard
- Priority support
Payments are processed securely by Dodo Payments. Accepted methods include Visa, Mastercard, American Express, Apple Pay, Google Pay, debit cards, and regional payment methods depending on your country.
Understanding Free Credits
The Free Plan includes 25 AI credits as a one-time trial experience. Credits are consumed every time you send a message to the AI assistant.
Do credits reset? No. Credits are granted once and never replenished automatically. The Free Plan is designed to let you experience FinqoAI before deciding whether to upgrade — not as a permanent free tier with ongoing AI access.
What happens when credits run out? The AI Assistant becomes unavailable. You can still view your existing data, balance, and records — but you cannot add new transactions through AI or send new messages. You must upgrade to continue.
Getting the most from your 25 credits: Use them to test real transactions from your life. Record a few days of expenses, try voice input, check your stats. This gives you an accurate feel for whether FinqoAI works for your habits.
How to Upgrade Your Plan
- Navigate to the Pricing section from your dashboard or the main menu
- Choose Monthly Pro ($5/mo) or Annual Pro ($29/yr)
- Complete checkout through Dodo Payments — enter your payment details
- After successful payment, your plan upgrades immediately
- New features (advanced stats, additional accounts, unlimited AI) activate within seconds
Plan didn't update after payment? Wait 2–3 minutes, then sign out and sign back in. If your plan still shows as Free after 10 minutes, contact support with your payment confirmation and we'll resolve it promptly.
Canceling Your Subscription
You can cancel at any time with no cancellation fees. Your access continues until the end of the current billing period.
- Go to Profile → Subscription → Manage Subscription
- Click Cancel Subscription
- Confirm the cancellation
After canceling: No future renewals occur. You keep full Pro access until your current period ends. Your data and records remain safely in your account regardless of your plan status.
Want to reactivate? Simply purchase a new plan. All your previous data will still be there.
Refund Policy
Refund requests are evaluated on a case-by-case basis according to the official Refund Policy. Not all purchases automatically qualify for refunds.
Before requesting a refund, review the full policy at finqoai.com/refund-policy.
To submit a refund request, contact support at support@finqoai.com and include:
- Your account email address
- Payment date and amount
- Transaction ID or payment confirmation
- Reason for the refund request
Billing issue? Use the button below to submit a support request and we'll review your case within 24 hours.
Security & Privacy
Your Data, Your Ownership
Financial information belongs to you — not to FinqoAI, not to advertisers, not to third parties.
- FinqoAI does not sell your financial data. Your spending patterns, income, debts, and subscriptions are never sold to data brokers or marketing companies.
- FinqoAI does not share data with advertisers. Your financial activity is never used for ad targeting.
- FinqoAI does not train public AI models with your data. Your personal records remain private and are not used to train models that others can access.
Your data exists in FinqoAI exclusively to provide you with the platform's features — organization, statistics, and insights.
Account & Data Protection
FinqoAI uses several layers of protection to secure your account and financial records:
- Row-Level Security (RLS): A database-level policy that ensures each user can only access their own records. Other users cannot see, read, or modify your data under any circumstance.
- Encryption: Data is encrypted in transit (HTTPS everywhere) and at rest, reducing the risk of interception or unauthorized reading.
- Access controls: Internal systems enforce strict permissions so that only authorized processes can interact with user data.
- Authentication: Session tokens with automatic expiration ensure your login is time-limited and secure.
Your responsibilities: Use a strong, unique password. Never share verification codes. Log out from shared devices. Contact support immediately if you notice anything unusual.
Privacy Commitments
FinqoAI is built on a simple philosophy: your financial life is personal. Technology should protect that privacy, not exploit it.
- No financial records are visible to other users
- No financial data is sold or monetized externally
- No advertising based on your financial behavior
- No use of your data for external AI model training
- Support staff access is controlled and logged
For the complete privacy policy, visit finqoai.com/privacy.
Security concern or potential vulnerability? Contact us privately at support@finqoai.com before any public disclosure. Responsible disclosure helps protect all users.
Troubleshooting
Before contacting support, check the solutions below — most issues can be resolved in under 2 minutes.
Login & Access Issues
1. Double-check your email for typos. 2. Try resetting your password via "Forgot Password" on the login page. 3. Make sure you're using the same method you registered with (email or Google). 4. Try an incognito/private browser window to rule out cache issues.
Check your spam folder and promotions tab. Wait 3–5 minutes. Verify you entered the correct email address. Request a new code. If the issue persists after two attempts, contact support with your email address.
Try in an incognito window with extensions disabled. Clear your browser cache. Make sure cookies are enabled. Check if Google services are down at status.google.com. Try a different browser (Chrome, Safari, Firefox).
If you registered with Google, use Google login — not the email/password form. If you registered with email, use the email form. Check that your email is verified. Check the system status at status.finqoai.com.
AI Assistant Issues
1. Check your internet connection. 2. Refresh the page and try again. 3. Sign out and sign back in to refresh your session. 4. Check status.finqoai.com for any ongoing incidents. 5. If the problem persists for more than 10 minutes, contact support.
This is expected behavior. Free credits are a one-time trial and do not reset. To continue using the AI, upgrade to Monthly Pro ($5/mo) or Annual Pro ($29/yr) from the Pricing section.
Go to Profile → Language and select the correct language (English or Spanish). This is the most common cause of voice transcription errors. After changing the language, test again.
1. Check that your browser has microphone permission for finqoai.com (browser settings → site permissions). 2. Refresh the page and allow microphone when prompted. 3. Test your microphone in another app. 4. Try a different browser.
Open the transaction from Recent Activity or your transaction list → tap Edit → correct the category, amount, name, or date → Save. The correction applies instantly and your statistics update automatically.
1. Verify you're viewing the correct financial account (check the account selector). 2. Check Recent Activity for all recent entries. 3. If the transaction truly wasn't created, resubmit the description. The AI may have misunderstood the original message.
Billing & Payment Issues
Wait 3–5 minutes, refresh the page, then sign out and sign back in. Check your subscription status under Profile → Subscription. If it still shows Free after 15 minutes, contact support with your payment confirmation.
1. Verify your card details. 2. Ensure sufficient funds are available. 3. Contact your bank — some banks block international or online transactions by default. 4. Try a different card or payment method. 5. Try again after a few minutes.
Review your payment history and verify the dates and amounts. Then contact support immediately with your email, transaction dates, and amounts. Include screenshots of both charges if possible.
Go to Profile → Subscription → Manage Subscription → Cancel Subscription. If this page fails to load, try refreshing or a different browser. If you still can't cancel, contact support and we'll assist immediately.
Dashboard & Technical Issues
1. Confirm you have a Pro plan (statistics require Pro). 2. Refresh the page. 3. Clear your browser cache (Ctrl/Cmd + Shift + Delete). 4. If records were recently edited, give the system 30 seconds to recalculate.
1. Verify you're looking at the correct account. 2. Review your recent transactions for any incorrect amounts. 3. Check for duplicate entries. 4. If an income or expense record was deleted recently, that will affect the balance.
1. Hard refresh: Ctrl+Shift+R (Windows) or Cmd+Shift+R (Mac). 2. Clear browser cache. 3. Disable browser extensions and reload. 4. Try a different browser. 5. Update your browser to the latest version.
Free plan: 1 account max. Pro plans: up to 10 accounts. If you're on Free and need more accounts, upgrade to Pro. If you're on Pro and have 10 accounts, consider deleting or repurposing an existing account.