Practical guides on automating personal finance: bank imports, utility meters, car costs and honest analytics.
How FinMan VHWorx keeps AI features alive while free LLMs churn: a daily job syncs models from OpenRouter, re-ranks paid fallbacks by price, and recognition fails over down a priority list. Models as data, not constants.
Read more → Multi-currencyHow to track travel spending in multiple currencies without messy conversions — log payments in the currency you paid, see totals at daily rates.
Read more → UtilitiesMulti-tariff electricity meters bill day and night usage at different rates. Here's how to read both registers correctly and track them in FinMan.
Read more → UtilitiesFinMan now lets you manage addresses, services and tariffs entirely from the Telegram & WhatsApp bot's Utilities menu — no web app needed. Here's the step-by-step flow.
Read more → BudgetingLearn how the 50/30/20 budgeting rule works, how to adapt it to real life, and how to track each category automatically without spreadsheets.
Read more → BudgetingLearn how to build sinking funds for predictable-but-irregular costs like car repairs and tires, and track them with FinMan categories and real cost-per-kilometer.
Read more → Bank importHow to track card expenses automatically using the Monobank API: every payment lands in your tracker in a second — amount, merchant and category, no typing.
Read more → Car expensesA simple methodology to calculate your real cost per kilometer: fuel consumption from refuels and odometer readings, plus repairs and maintenance — and how to automate it.
Read more → UtilitiesCommon mistakes in utility bill calculations — wrong differences, outdated tariffs, lost history — and a workflow where AI reads your meter from a photo.
Read more →Articles and stories about how FinMan was built.