“Where did the money go this month?”
With FI-532
Every expense lands in needs, wants or savings automatically. You see exactly where each dollar went, as it happens.
Know what’s left to spend.
One shared budget for couples, families and roommates. Every paycheck is split 50/30/20 automatically, so your whole household sees one honest number.
- No bank login needed
- Invite your partner in seconds
- Free to start
- No bank loginYour credentials never leave your bank.
- Built for two or moreCouples, families and roommates.
- Syncs in real timeEveryone sees the same numbers.
- English & SpanishWith your own currency.
Why FI-532
Money together is hard. We make it simple.
“Wait, who paid for what?”
With FI-532
Share one household, split expenses and settle up in seconds. No more awkward math at the end of the month.
“We forgot that bill again.”
With FI-532
Every bill and subscription in one planner, with reminders before the due date and one-tap “paid”.
The method
5‑3‑2 =
50/30/20
The budget rule is in our name.
Half for what you need, 30% for what you enjoy, 20% for your future. FI-532 does the split on every paycheck, so nobody has to open a spreadsheet.
/ month
Your split
- Needs 50%Rent, groceries, utilities, transport$3,300
- Wants 30%Dining out, streaming, hobbies$1,980
- Savings 20%Emergency fund, investments, debt$1,320
Prefer 60/20/20 or 40/30/30? Change the split any time.
Features
Less tracking. More knowing.
Logging an expense takes seconds, and often nothing at all. The rest of the app turns that into answers.
Every paycheck gets a job.
Needs, wants and savings, split 50/30/20 for you. Unspent budget rolls into the next cycle.
This cycle
Needs 50Wants 30Savings 20
Budget together.
Shared or private expenses, fair shares by income, and settle-ups in a tap.
Alex owes you
$42.10
Groceries · Internet · Dinner
Never miss a bill.
Due dates, reminders and one-tap “paid”.
Due tomorrow
Rent · $1,650
🔔 Reminder set
Apple Pay logs itself.
Tap to pay and the expense lands in FI-532.
FI-532now
Logged from Apple Pay
Trader Joe’s · −$114.09 · Groceries
Just say it.
Or snap the receipt. We fill in the rest.
“I spent 86 dollars at Costco”
Ask your budget anything.
Plain answers about your money, any time.
“What can we cut?”
See where it goes.
Every cycle compared with the last one, category by category, so you know what to cut and what's working.
Dining out
−56%
vs. last cycle
And everything else a household needs
- Receipt scanning
Point the camera and the total and line items fill themselves in.
- Savings plan
Split your 20% across goals like an emergency fund or a vacation.
- Shared shopping lists
Check off what you bought and turn it into one transaction.
- Bill calendar
Every bill and subscription mapped onto the month.
- Search and filters
Find any expense by person, category or amount in seconds.
- CSV export
Your data is yours. Take it with you whenever you want.
How it works
Set up in minutes.
- 1
Create your household
Pick your currency and your split: 50/30/20, or any ratio that fits your life.
- 2
Invite your people
Add your partner, family or roommates by email. Everyone shares the same live budget.
- 3
Spend with a plan
Log by voice, receipt or Apple Pay, and always know what's left to spend.
From households using FI-532
Households saving more. Every month.
“Finally an app that makes budgeting with my partner simple. We can both see where our money is going and plan together. The 50/30/20 view is a game-changer.”
“The recurring bills tracker is a lifesaver. I set it up once and now I never miss a payment. Clean UI, fast, and it actually helps me save more every month.”
“I love the needs/wants/savings breakdown. It completely changed how I think about spending. I've saved more in 3 months with FI-532 than in the past year.”
Pricing
Start free. Upgrade when you're ready.
No hidden fees. No credit card required for the free plan. Upgrade anytime through the App Store.
Free
$0forever
Start your 50/30/20 journey — no credit card needed.
- Monthly budget dashboard
- Up to 10 transactions / month
- 2 active recurring items
- Category-based tracking
- Household setup & configuration
- Secure authentication
Most Popular
Premium
$4.99/month
The full FI-532 experience. Unlimited, collaborative, powerful.
- Unlimited transactions
- Unlimited recurring items
- Multi-member collaboration
- Split expenses & settle up
- Bill reminders & notifications
- AI-powered financial reports
- Shared shopping lists
- Distribution calculator
- CSV data export
- Priority support
Less than 1 coffee a month for full financial clarity.
Start Free TrialFAQ
Questions, answered.
Do I have to connect my bank account?
No. FI-532 never asks for your bank login. You add expenses by voice, by scanning a receipt, by typing them in, or automatically when you pay with Apple Pay.
What is the 50/30/20 rule?
It divides your after-tax income into 50% for needs (rent, groceries, utilities), 30% for wants (dining out, subscriptions, hobbies) and 20% for savings. FI-532 automates the breakdown so you always know where you stand.
Can I use a different split?
Yes. 50/30/20 is the default, but you can change the percentages in your household settings — for example 60/20/20 or 40/30/30.
How do I budget with my partner?
Set up your household, then invite members by email from the household settings. Once they accept, you share a real-time view of the budget, transactions and balances.
Is FI-532 free?
It's free to download and the free plan never expires. Premium unlocks unlimited transactions, multi-member collaboration, AI reports and more. Subscriptions are managed by the App Store and you can cancel any time.
Is there an Android version?
Not yet. FI-532 is currently available on iPhone through the App Store. Android is on the roadmap.
Start budgeting together.
Download FI-532, set up your household and see what's left to spend before your next paycheck arrives.
Scan to download- No bank login needed
- Free to start
- No credit card