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FYN
FLOW

AI That Understands Your Money

An all-in-one personal finance app — committees, Zakat, bill splits, AI budgeting, and voice logging. Designed for how you actually live and spend.

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Available on
Web
PWA
iOS Launching soon
Android Launching soon
12+
Core features
PKR
Native currency
AI
Urdu voice support
4
Web · PWA · iOS · Android
The Problem

THE WORLD DESERVES
A SMARTER FINANCE APP

Hundreds of millions of people manage their money in spreadsheets, notebooks, and chat groups. Global apps don't understand committees, can't calculate Zakat, and ignore local financial realities.

📋
Global apps miss the basics
Mint and YNAB don't know what a committee is, can't calculate Zakat, and were built for a single market. FynFlow was built for how you actually live.
📱
Mobile-first, but no great app
Billions of mobile users track finances in chat groups and paper ledgers — because nothing better existed for their context. Until FynFlow.
💸
Inflation is invisible
Nobody can tell you exactly how much more you spent this month vs last. FynFlow shows you down to the category — automatically.
Core Platform

EVERYTHING IN
ONE DASHBOARD

A complete financial operating system — transactions, committees, goals, budgets, AI chat, and live market data, all beautifully designed and PKR-native.

SMART
DASHBOARD

Your complete financial picture the moment you open the app. Net balance, income vs. expense trend, active goals, and live market prices — all in real time with quick-action shortcuts for your most common tasks.

  • Animated metric cards with real-time values
  • 6-month income vs expense bar chart
  • Category spending breakdown donut chart
  • Recent transactions with category colours
  • Live markets snapshot (gold, petrol, USD/PKR)
  • Goals progress and committee status widgets
PKR 1.24M
Net Worth
PKR 95,000
This Month Income
PKR 48,200
Expenses
49.3%
Savings Rate
Recent transactions Live
Imtiaz Grocery
Today · Food
− PKR 4,280
Salary — June
Yesterday · Income
+ PKR 95,000
Petrol — PSO
Jun 10 · Transport
− PKR 3,200
💳
Transaction Tracking
Log expenses manually, by voice, or by scanning a receipt. Filter, search, and export your full history.
  • Auto-categorise by merchant name
  • Filter by date, category, amount
  • Attach receipts to any transaction
  • CSV export for accountants
🎯
Goals & Budgets
Set savings goals with deadlines. Track monthly budgets per category and get alerted before you overspend.
  • Visual progress bars with animations
  • Monthly budget per category
  • Goal timeline and milestone alerts
  • Debt snowball / avalanche tracker
📂
Document Vault
Upload bank statements, receipts, and contracts. AI parses them automatically. Everything in one secure place.
  • PDF, JPG, PNG, CSV support
  • AI auto-extracts transactions
  • Searchable archive
  • Attach documents to transactions
Local Intelligence

FEATURES GLOBAL
APPS MISSED

No mainstream app has ever built these. FynFlow is designed around financial realities that matter to you — from committees to Zakat to Eid budgets.

🕌
Zakat Calculator
Live Nisab from silver prices. Auto-calculates from your assets. Saves a PDF certificate.
🔄
Committee Tracker
Digital bahi khata for rotating savings groups. Track members, payments, and payout order.
☪️
Hijri Calendar
Hijri date shown alongside Gregorian. Ramadan and Eid modes activate automatically.
🎊
Eid Budget Planner
Track qurbani costs, eidi, and clothes per family member. Auto-activates before Eid.
💑
Wedding Planner
Mehndi, Barat, Walima budgets. Two-family expense split. Vendor and contribution tracker.
🏪
Kiryana Mode
Digital bahi khata for small shopkeepers. Customer credit tracking and WhatsApp reminders.
✈️
Remittance Tracker
For expats and overseas workers. Track every transfer, compare rates, calculate fees vs interbank.
🇵🇰
Urdu Voice Input
"Aaj petrol ke liye teen so rupay diye" — logs automatically in Urdu and Roman Urdu.
Committee — Rotating Savings

THE DIGITAL
BAHI KHATA

Millions of people run committees in WhatsApp groups and notebooks. FynFlow digitises it completely — members, payments, payout order, and reminders in one tap.

COMMITTEE
MANAGER

Create a committee, add members, set the monthly amount and collection date. The app tracks who has paid, sends WhatsApp reminders, and processes the payout — with a full audit trail so there are never any disputes.

  • Fixed-order or random draw payout methods
  • Monthly payment tracking with confirmation flow
  • Payout receipt confirmation by the recipient
  • Late fee management and member reliability scores
  • One-tap WhatsApp reminder per member
  • Double-slot support (2× contribution, 2× payout)
Office Committee · Month 3/10 PKR 100,000 pot
YO
You (organiser)
@yourhandle
Paid ✓
SA
Sara Alam
Gets payout this month ★
Paid ✓
RK
Rabia Khan
+92 300 ×× ×× ×× · pending
Not paid
Remind all unpaid
Process payout
Artificial Intelligence

YOUR PERSONAL
FINANCE ADVISOR

An AI that knows your actual PKR amounts, your Zakat status, today's petrol price, and your committee schedule. Not generic advice — specific, local, personal.

CHAT WITH
YOUR MONEY

Ask anything about your finances in Urdu or English. FynFlow AI has access to your real transaction data, goals, splits balances, and live commodity prices — and answers in the language you write in.

  • Urdu and English in the same conversation
  • Knows your real spending, not just averages
  • Aware of live gold, petrol, and dollar rates
  • Suggested prompt chips to get started instantly
"Am I on track for my Umrah goal?"
FynFlow AI
At your current saving rate of PKR 12,000/month you'll reach PKR 144,000 by November — PKR 56,000 short. Cutting dining out by 30% (saves ~PKR 3,500/month) gets you there by September. Want me to set up that budget?
"Gold rate aaj kitna hai?"
FynFlow AI
Aaj gold ka rate PKR 225,000 per tola hai (24k). Kal se PKR 1,200 zyada hai. Your Nisab is PKR 142,500 — your net wealth is above it so Zakat is due this year.
🧾
Receipt Scanner
Photograph any receipt — from a dhaba chit to a Metro invoice. AI extracts every item, amount, and merchant automatically.
  • Works on blurry and Urdu receipts
  • Auto-fills transaction form
  • Items saved to Grocery Bank
  • Confidence score shown for review
📧
Weekly AI Digest
Every Sunday morning, a personalised financial briefing in your inbox — real numbers, live prices, goal progress, and one actionable tip.
  • Weekly spending summary
  • Live commodity price changes
  • Goal progress update
  • One specific, actionable tip
🔔
Anomaly Detection
AI monitors every transaction silently. Flags unusual spending — a merchant you've never visited, double the normal spend, or a suspicious charge.
  • Runs on every new transaction
  • Instant push notification
  • Non-intrusive gentle nudges
  • Pro users only
Voice — World First

LOG EXPENSES
BY SPEAKING URDU

No competitor supports Urdu voice transaction logging. Hold a button, say what you spent, done. Works in Urdu, Roman Urdu, and English.

SPEAK.
IT LOGS.

Voice capture runs on-device — no external API needed. FynFlow AI parses your Urdu sentence and extracts the amount, category, and merchant. The transaction form auto-fills. One tap to confirm.

  • Urdu, Roman Urdu, English, and mixed
  • Understands number words (do hazaar, teen so)
  • Works in quick-add modal and floating action button
  • Morning briefing read aloud on request
🎙
"Aaj petrol ke liye teen so rupay diye"
→ PKR 300 · Transport
🎙
"Spent 1500 on groceries at Imtiaz"
→ PKR 1,500 · Food · Imtiaz
🎙
"Ahmad ne mujhe do hazaar wapis kiye"
→ PKR 2,000 · Income · Ahmad
🎙
"Bijli ka bill bara hazaar tha"
→ PKR 12,000 · Utilities
Social Finance

SPLITS &
BILL SHARING

Split any bill between friends instantly. Equal, custom amounts, or by percentage. Every split is also a viral invite — the smartest way to share bills, built natively into FynFlow.

SPLITS &
BILLS

Create a split, add peers by @username or phone number, choose equal or custom amounts. Everyone sees their balance. Settle up with a tap. Minimum cash-flow algorithm reduces the number of payments needed in a group.

  • Equal, exact, percentage, and shares split methods
  • Group splits for trips and events
  • Minimum cash flow debt simplification
  • Settlement auto-logs as a transaction for both parties
  • WhatsApp nudge to unpaid members
  • Voice-powered split creation
Murree trip — balances Net: +PKR 2,400
AK
Ahmad Khan
@ahmadkhan
owes PKR 2,400
SA
Sara Alam
@saraalam
you owe PKR 1,200
ZB
Zara Butt
@zarabutt
Settled ✓
💡 Simplified: Ahmad pays you PKR 1,200 to clear all debts
Zakat Calculator

CALCULATE ZAKAT
IN 60 SECONDS

The only app that calculates Zakat from your actual financial data. Live Nisab from silver prices. Saves a beautifully formatted PDF certificate.

ZAKAT
MADE EASY

Enter your zakatable assets — cash, gold, silver, investments. FynFlow fetches today's Nisab threshold from live silver prices and tells you instantly whether Zakat is due and exactly how much. Supports Hanafi fiqh.

  • Live Nisab calculated from silver spot price
  • Supports all asset types (Hanafi fiqh)
  • Deductibles section (money owed, bills due)
  • Year-by-year calculation history
  • Printable PDF Zakat certificate
  • Hijri date aware — Hawl calculation included
Zakat 1446 AH Zakat due ✓
Cash & savingsPKR 450,000
Gold jewelryPKR 337,500
InvestmentsPKR 200,000
Less: money owed− PKR 50,000
Net zakatable wealthPKR 937,500
Nisab today (silver)PKR 142,500
Zakat Due (2.5%) PKR 23,437
Start Today

READY TO OWN
YOUR MONEY?

Finally, a finance app that understands your financial life — committees, Zakat, voice logging, and AI that gives you real answers.

Open FynFlow — It's Free →
AI That Understands Your Money
🌍 Locally intelligent
🤖 AI in Urdu
🌐 Web · PWA · iOS · Android
🕌 Zakat calculator
🔄 Committee tracker
🤝 Bill splitting
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