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A financial education app — but is it worth the subscription fee?
Finny is a financial education app that uses an AI-based robot to help answer your financial questions. The app features a wealth of information regarding money and investing — but it costs $8.25 to $14.95 a month. And from our experience, the information you find in the app isn’t that different from what you can find online for free.
Cassidy Horton is a writer for Finder, specializing in banking and investments. She has a Bachelor of Science in Public Relations and a Master of Business Administration from Georgia Southern University. Cassidy enjoys educating people about financial services, exploring the Pacific Northwest and watching endless reruns of The Office.
Expert Review
Review by
Cassidy Horton
Finny aims to be a one-stop-shop for financial education. It’s best for those who feel overwhelmed by financial information online and want a designated place to go for guidance and support. The app has money guides that cover topics such as debt management, homes and mortgages, bank accounts and more.
But these features are only available on the Premium plan. From what we can tell, Finny doesn’t have any standout features that help justify the cost. The resources and information you receive through the app aren’t all that different from what you can find online for free.
Unless you feel completely overwhelmed every time you Google a financial question, I’d recommend saving your money and sticking with the Internet’s infinite amount of free resources.
Expert review
Finny aims to be a one-stop-shop for financial education. It’s best for those who feel overwhelmed by financial information online and want a designated place to go for guidance and support. The app has money guides that cover topics such as debt management, homes and mortgages, bank accounts and more.
But these features are only available on the Premium plan. From what we can tell, Finny doesn’t have any standout features that help justify the cost. The resources and information you receive through the app aren’t all that different from what you can find online for free.
Unless you feel completely overwhelmed every time you Google a financial question, I’d recommend saving your money and sticking with the Internet’s infinite amount of free resources.
Finny divides its offerings into four categories: Ask Finny, Money Guides, Investing Tools and Analysis and Charts.
Ask Finny
Type a question into the Ask Finny search bar to access responses and browse forum discussions from the Finny community. Users can also ask Finny Coaches questions that aren’t answered on the site.
According to Finny, coaches are employees or contractors and aren’t compensated for any products or securities they’ve highlighted in their responses. But there’s no information on the site about how coaches are chosen or if there are any required qualifications.
Money Guides
Finny’s money guides traverse a variety of topics, including money management, credit scores, investing, debt management, mortgages, retirement planning, insurance and savings vehicles.
Investing Tools
Finny’s investing tools are designed to help you compare securities, brush up on market news and screen stocks:
Quick take. Enter a stock’s ticker symbol for a breakdown of pros and cons for investing in that security.
Compare wizard. See how a pair of securities stack up by entering their ticker symbols and reviewing their key stats side by side.
Similar stocks and funds. Enter a stock’s ticker symbol to review comparable securities in the same industry and sector.
ETF ideas. Assess top ETFs across different categories and industries, from large- and small-cap funds to prominent real estate ETFs.
Mutual fund ideas. Review US equity, international equity, taxable fixed income, tax exempt fixed income, balanced, index funds and Vanguard funds.
Stock screeners. Tap into data on Finny’s prepopulated lists of popular stock categories.
Massive upside stocks. View Finny’s top small-, mid- and large-cap stock picks by market sector.
Market scanners. Access key ETF performance data by country, commodity, bond, sector and market.
Company and market news. Stay up to date with relevant market, cryptocurrency and company news.
Low-cost funds. Pinpoint low-cost mutual funds and ETFs.
Dividend picks. Find ETFs with competitive returns and stocks with dividend yields of at least 7%.
Analysis and Charts
Enter a ticker symbol for a deep dive on that security’s data. Up top, you’re presented with the stock’s market price and Finny score: a score from 0 to 100 that takes into account Finny’s pros and cons for investing in the stock.
Scroll further down the page and you’ll get a list of key stats, including average analyst rating, industry, sector, market cap, revenue, profit margin and more. There’s also a news tab, which includes articles ordered by date from a variety of sources that vary by stock.
You can also access charts and graphs on the stock, which display data from a variety of metrics:
Analyst price target
Analyst ratings
Cash to debt
Debt to equity
Enterprise multiple
Enterprise value/revenue
Forward dividend yield
Forward P/E ratio
PEG
Price/book
Price range
Price/sales
Profit margin
Return
Revenue growth
Short interest ratio
Short share of float
Trading volume
Trailing dividend yield
Trailing P/E ratio
How much does it cost?
It’s free to sign up for a Finny account. But you’ll pay extra to access premium features such as Finny’s money guides, search engine and in-depth investment security reviews. Here’s how the pricing breaks down:
Plan
Cost
Features
Free
Free
Basic analysis of individual stocks, ETFs, mutual funds and cryptos
Premium
$14.95 a month or $99 a year
Money guides
In-depth analysis of individual stocks, ETFs, mutual funds and cryptos
Is Finny safe to use?
Finny doesn’t connect to any of your financial accounts. If you choose the Premium plan, you’ll share your card information. Finny has standard security measures in place to protect your financial and personal information from any unauthorized access.
What are the pros and cons of Finny?
Here are some pros and cons you should be aware of if you’re thinking about using Finny:
Pros
Free trial. Finny comes with a seven-day free trial so you can experience the Premium version to decide if it’s right for you. But fair warning — you’ll pay a $99 annual subscription fee if you fail to cancel before your trial expires.
Cons
Basic free version. The only thing you can do with the free version is read basic analyses of securities. Almost everything else requires you to “Unlock Finny Premium.”
No stand-out features. Most investing platforms have stock charts and analyses where you can get in-depth comparisons of securities. Other sites have free money guides and blog posts where you can learn how to make informed financial decisions.
Finny Q&A
We had the opportunity to ask Milan Kovacevic, co-founder of Finny, some questions about the platform. Here’s what we asked:
Are there any new features planned that you can tell us about? We’ll be launching a free, game-based financial education app next month.
What makes Finny different from other robo-advice platforms or human advisors? Finny is not an advice platform and should not be compared to robo-advisors or human advisors. Finny is an investment research app.
Who do you see as the target audience for Finny? The new generation of investors who are looking to learn about investing, and do their own research quickly and efficiently.
How delayed is your stock information? The quotes are real-time, provided by IEX.
Compare brokerage accounts to purchase stocks
Finny can help you track stock performance and plan trades, but you can’t buy stocks on Finny. If you want to invest, you’ll need a brokerage account.
If you’re looking for a new brokerage account, use the table below to compare your options.
How to sign up for Finny
Follow these steps to sign up for Finny online:
Visit the Finny website and click Start your free seven-day trial.
Click Create an account.
Enter your email address and click Send.
Jump over to your email and click the link Finny sent you.
Enter your name and password and click Sign up.
Click Sign in and enter your email address and password.
Frequently asked questions
Follow these steps to cancel your free trial or subscription:
Log in to your Finny account.
Click on your avatar.
Navigate to the Subscription menu.
Follow the prompts to cancel or adjust your plan.
Before your trial begins, you’ll be prompted to enter your credit or debit card information. Then, for seven days, you’ll get access to Finny Premium where you can read through money guides, ask unlimited questions and compare securities. You’ll pay a $99 annual membership fee if you don’t cancel your free trial before it ends.
You can reach customer support for Finny by emailing support@askfinny.com.
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