Finthy USA - Your Personal Finance Dashboard

The American Banking Fragmentation Problem

The average American holds accounts at 5.3 financial institutions. Between a checking account at Chase, a savings account at Ally or Marcus earning 4%+ APY, a Roth IRA at Fidelity, credit cards from Capital One and Amex, a brokerage at Schwab, and maybe a neobank like SoFi or Chime for cashback — your money lives everywhere.

Traditional aggregators like Mint (now discontinued) and Copilot attempted to solve this, but they rely on data aggregators like Plaid and Yodlee that frequently break connections and raise security concerns. Finthy takes a different approach: a Chrome Extension that reads transactions directly from your online banking sessions, so your credentials stay with you.

If you also hold accounts abroad — whether you’re an expat, a digital nomad, or someone with family ties overseas — the fragmentation multiplies. Finthy is built for this reality.

How the Chrome Extension Works with US Banks

The US has no mandatory Open Banking regulation like the UK or EU. The Consumer Financial Protection Bureau (CFPB) finalized its Section 1033 rule in late 2024, but full implementation won’t arrive until 2026-2030 depending on institution size. In the meantime, data access remains patchy.

Finthy’s Chrome Extension sidesteps this entirely:

1. You log into your bank’s website normally in Chrome
2. The extension reads your transaction data directly from the page
3. Data is encrypted and sent to your Finthy dashboard
4. Your login credentials never leave your browser

Supported institutions include Chase, Bank of America, Wells Fargo, Citibank, Capital One, US Bank, PNC, TD Bank, Ally, Marcus, Discover, and dozens more. For banks not yet supported by the extension, you can upload OFX, QFX, or CSV statements and Finthy processes them automatically.

Built for Americans with Cross-Border Lives

Digital Nomads and Remote Workers

Earning in USD while living in Mexico City, Lisbon, or Bali? You need to track dollar income against expenses in pesos, euros, or rupiah. Finthy handles multi-currency budgeting natively — set a rent budget in MXN, a subscription budget in USD, and see your total spending converted at live exchange rates. Our guide on freelancer budgeting in USD covers the specifics.

Expats Returning or Relocating

Moving to or from the US means maintaining accounts in two countries for months or years. Social Security payments, US brokerage accounts, a mortgage back home — these don’t disappear when you move. Finthy lets you see your American and foreign accounts side by side, so you can manage money across two countries without spreadsheet gymnastics.

Immigrants Sending Money Home

If you send money to family in Latin America, the Philippines, India, or elsewhere, you need visibility into both sides: how much you earn and spend here, how much you send, and what your family receives after conversion fees. Finthy tracks both your US accounts and your accounts abroad in one view.

Beyond Aggregation: Real Financial Control

Seeing all your accounts is table stakes. Finthy gives you tools that actually change how you manage money:

• Zero-based budgeting — assign every dollar a job before the month starts, following the method from our zero-based budgeting guide. Unlike YNAB, Finthy natively handles multiple currencies
• AI-powered categorization — transactions are automatically sorted into groceries, dining, subscriptions, housing, transit, and 40+ categories calibrated for US spending patterns (Costco, Amazon, Uber, DoorDash)
• Net worth tracking — see your total wealth across all accounts, all currencies, updated with live exchange rates. 401(k)s, IRAs, HSAs, brokerage accounts, and checking — one number
• Spending trend analysis — spot that your DoorDash spend crept from $80/month to $240/month before it becomes a habit

Security Without Compromise

American consumers face 1.4 million identity theft reports annually (FTC, 2023). Your financial data deserves serious protection:

• Your credentials stay local — the Chrome Extension operates entirely in your browser. We never see, store, or transmit your banking passwords. Unlike Plaid-based apps, there’s no third-party token storage
• 256-bit AES encryption — all data encrypted in transit (TLS 1.3) and at rest, the same standard used by FDIC-insured institutions
• No data selling — Finthy’s business model is subscriptions, not selling your transaction data to advertisers or hedge funds
• SOC 2 aligned infrastructure — hosted on cloud infrastructure that meets the compliance standards of major US banks

Your banking security matters. Finthy was designed so you never have to choose between convenience and safety.