Features
Everything you'd log by hand — captured for you.
Filu turns the messages your bank already sends into a living picture of your money. No spreadsheets, no manual entry, no forgotten receipts.
Automatic capture
Bank SMS becomes a transaction — instantly
The moment your bank texts you about a purchase, an Apple Shortcut hands that one message to Filu on your device. Filu parses the amount, merchant, and currency and files it — before you've even locked your phone.
- Parsed on-device — the raw SMS never leaves your phone
- Works across dozens of bank message formats
- Duplicate-safe, so the same purchase is never counted twice
The dashboard
Where every pound went — at a glance
One screen that actually answers the question. See the month's spend, your accounts and cards, and where the money is going, updated the instant a transaction lands.
- Live balance and monthly spend across every account
- Accounts and cards merged into one clear view
- Spending broken down the way you actually think about it
Goals
Set a target — Filu does the math
Pick an amount and a deadline. Filu works out the monthly rate you need and points to the exact merchants and subscriptions worth cutting to get there.
- Required monthly savings, calculated for you
- The top things to cut, surfaced inside each goal
- Progress that updates as you spend
Subscriptions
Every recurring charge, in the open
Filu spots the same merchant charging the same amount on a rhythm and flags it as a subscription — so the quiet auto-renewals you forgot about stop being a surprise.
- Automatic detection from your real transactions
- Renewal dates and amounts in one list
- Know what to cancel before it renews again
Installments
Track what you owe, month by month
Phone on installments? Furniture on a plan? Filu keeps each installment plan visible — how much is left, what's due next, and when it finally ends.
- Remaining balance and next payment at a glance
- Every plan in one place, not scattered across banks
- See the finish line for each commitment
Spending limits
Guardrails that warn you in time
Set a limit for a category or a merchant and Filu tracks it in the background, nudging you as you approach — not after you've already blown past it.
- Per-category and per-merchant limits
- Warnings while there's still time to act
- Categories you can rename and reorganize
See it for yourself
Your whole financial life, without the data entry.
Free during the beta. No ads, ever.