Switching from Finny

You already said no to the bank sync. Now what?

You did the thing most people won't: you skipped the bank connection. No aggregator, no full transaction history handed to a third party, nothing piped in to miscategorize. You log your own spending — you type “coffee 4 bucks,” it sorts it, and your data stays yours.

We think that was the right call. It's the same call we made.

But somewhere along the way you might have noticed something. You have a beautiful, private, perfectly fast record of everything you spent — and it doesn't go anywhere. The charts tell you about last month. Nobody's planning the next one with you. And if you're doing this with a partner, you've probably hit the wall already: it was built for one person, and money is rarely a one-person thing.

What carries over

What we do like Finny.

The instincts that made you choose Finny in the first place — kept, not dropped.

No bank in the loop. No Plaid, no ambient feed, no surveillance. You decide what gets logged, the same as you do now.
You log in plain language. Text it or say it; the AI sorts the category and amount. The fast, no-forms habit you already have comes with you.
Your categories, your words. No app deciding Uber Eats is “Groceries.” You name what matters to your household.
Privacy by design. Manual entry means your whole financial life isn't sitting inside an aggregator. That principle is ours too.

Where we part ways

What we believe that a tracker doesn't.

Finny's proudest feature is Tap to Track — pay with Apple Pay and the expense logs itself, no app, no typing. It's clever. It's also the exact place we go the other direction, on purpose.

We think the small act of logging is the practice. It's the ten-second moment you notice where your money's going — and noticing is the thing that changes behavior, not the spreadsheet you review afterward. Finny works to make that moment disappear. We work to make it matter. (Their own marketing cites the research that manual logging builds awareness — right before selling the feature that removes it.)

And we take that shared manual habit somewhere a tracker can't follow:

Forward, not backward. Finny shows you last month. Una helps you plan the next one — your paycheck cycle, your intentions, what you want to do before you do it.
A partner, not a parser. Finny's AI structures your entry and stops there. Una remembers what you said you'd do, and talks it through with you. There's a relationship, not just a text box.
Built for two. Finny is one person with a spending log. Unicorn Money is two equal partners from the first screen — both logging, both planning, in real time.
Any phone, from anywhere. Text a real number — no app open, no Apple Pay required, works on your partner's Android just as well as your iPhone.

Side by side

Here's where we line up — and where we don't.

	Finny	Unicorn Money
The bank	No sync — manual / AI input	No sync — manual / SMS / chat
Privacy posture	On-device, no aggregator	No ambient feed, you log what you log
Core mental model	Expense tracker — record what you spent	Paycheck-cycle practice — plan what's next
The logging	A chore to automate away (Tap to Track)	The rep that builds the habit
AI role	Parses your entry	A partner who remembers and plans with you
Time direction	Backward — charts, trends, months compared	Forward — next cycle, intentions, projection
Couples	One person, one log	Built for two from the start
The trade-off	The fastest way to record the past	A conversation about what's next

If you chose Finny because you didn't want your bank surveilled, you and we already agree on the hard part. The question is just what the logging is for — a tidy record, or the first step of a practice you and your partner actually run together.

We'll be honest about the other side, too: if what you want is a fast, private, single-person spending log — especially if you travel and need multi-currency tracking — Finny is genuinely good, and it's cheaper than we are. Stay. We cost more because you're not buying a tidier tracker; you're buying a companion and a plan, for the whole household, not per person. Those aren't the same thing, and we won't pretend they are.

The real difference

Finny is the fastest way to write down the past. We're the conversation about the future — built on the same manual habit you already trust.

Ready when you are

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