# FinMan — full content map
Last updated: 2026-09-13

> Free app to automate personal & family finance, utility bills, fuel & car cost-per-km, tenant meter readings. Bank import, AI meter photos, multi-currency.

## Pages

### FinMan — Free personal finance, family budget & utility tracker
URL: https://finman.vhworx.com/
Free app to automate personal & family finance, utility bills, fuel & car cost-per-km, tenant meter readings. Bank import, AI meter photos, multi-currency.
FinMan is a free personal and family finance manager that automates the routine: import bank statements in one click, read utility meters by sending a Telegram or WhatsApp photo, track car fuel and real cost-per-kilometer, split tenant payments, and handle multiple currencies — all in one place.

### The FinMan Story — why I built a finance tracker for myself
URL: https://finman.vhworx.com/story
How FinMan grew from a personal Perl script with Monobank webhooks into a free multi-language finance app with AI bank imports, meter photos and car cost-per-km analytics.
FinMan started as a personal Perl script catching Monobank webhooks and grew into a free, multi-language finance app. Today it imports statements from any bank with AI, recognizes utility meters and fuel receipts from photos, and calculates real car cost-per-kilometer — built by one developer for everyday use.

### FinMan Use Cases — Personal, Family, Landlord, Cars
URL: https://finman.vhworx.com/scenarios
Real ways people use FinMan free: personal budgeting, household bills, tenant meter readings, multi-car fuel & cost-per-km, family shared finance.
People use FinMan for personal budgeting, shared family finance, and as landlords tracking tenant meter readings. It fits multi-car owners measuring fuel and cost-per-kilometer, households automating utility bills, and anyone who wants bank statements imported and categorized automatically instead of typing every transaction by hand.

### FinMan vs Competitors - Which Finance App is Best?
URL: https://finman.vhworx.com/compare
Compare FinMan with YNAB, Spendee, Toshl, and Wallet. See why FinMan's unique features make it the superior choice for real-life finance management.
Compared to YNAB, Spendee, Toshl and Wallet, FinMan stands out with one-click bank import, AI utility-meter and fuel-receipt photo recognition, real car cost-per-kilometer analytics, tenant payment splitting, and 50+ languages — all free for core use, with optional premium AI features from $2.99 per month.

### How to submit meter readings: deadlines and methods by provider
URL: https://finman.vhworx.com/meters
Find out how and when to submit electricity, gas and water meter readings for DTEK, Naftogaz, Octopus Energy, E.ON, Vattenfall and other providers in Ukraine, the UK and Germany.
Most providers let you submit readings online, via app or by phone — track your own history alongside the bill by photographing the meter in FinMan.

### Free finance calculators — car cost per km, utility bill
URL: https://finman.vhworx.com/calculators
Free, no-signup calculators: real cost per kilometer for your car, and your utility bill from meter readings.
FinMan offers two free calculators: car cost per kilometer (fuel plus maintenance divided by distance) and a utility bill estimate from your previous and current meter readings.

### Import a bank statement from any bank — FinMan
URL: https://finman.vhworx.com/bank-import
Upload a PDF, CSV or Excel statement and FinMan imports every transaction — from any bank. It learns each format automatically, with AI for ones it hasn't seen.
FinMan imports bank statements from any bank. You upload a PDF, CSV or Excel file exported from your bank, and FinMan recognizes the format, imports every transaction and auto-categorizes it. For a format it hasn't seen, an AI builds a parser on the fly, so there's no fixed list of supported banks.

### FinMan in 50+ languages — full localization
URL: https://finman.vhworx.com/languages
FinMan UI and AI assistant speak 50+ languages: English, Ukrainian, German, French, Polish, Spanish, Portuguese and more — fully localized.
FinMan's interface and AI assistant speak 50+ languages, including English, Ukrainian, German, French, Polish, Spanish, Portuguese, Italian, Turkish and many more. Every page is fully localized, currencies show as symbols rather than ISO codes, and new languages are translated automatically so the app works worldwide.

### FinMan Pricing — Free forever, premium AI from $2.99/mo
URL: https://finman.vhworx.com/pricing
Free plan covers personal finance, family budget, utility bills & multi-currency. Premium adds AI parsing for new banks, transaction categorization, and AI meter photos recognition from $2.99/mo.
FinMan's free plan covers personal and family finance, utility bills, tenant meters and multi-currency forever. Premium, from $2.99 per month, adds AI parsing for new banks, automatic transaction categorization and AI meter-photo recognition. Yearly is $29 and a lifetime license is $59 — no hidden fees.

### FinMan Feedback — Share your ideas and report bugs
URL: https://finman.vhworx.com/feedback
Tell us what to improve in FinMan: feature requests, bug reports or general feedback. We read every message and ship updates weekly.

### FinMan Changelog — Recent updates and new features
URL: https://finman.vhworx.com/changelog
What is new in FinMan: latest features, fixes and improvements. Updated weekly with user-requested changes.

### Terms of Service
URL: https://finman.vhworx.com/terms-and-conditions
FinMan Terms of Service: acceptance, accounts, payment, data ownership and responsibilities. Plain-language summary at the top.

### Privacy Policy
URL: https://finman.vhworx.com/privacy-policy
FinMan Privacy Policy: what we collect, how we use it, third parties, your rights and how to request data deletion.

### Refund Policy
URL: https://finman.vhworx.com/refund-policy
FinMan Refund Policy: 60-day trial, money-back guarantee for first paid month, refund process and contact details.

## Scenarios

### Utility Meter Readings via Telegram or WhatsApp | FinMan
URL: https://finman.vhworx.com/scenarios/utility-meters
Send a photo of your water, gas or electricity meter to Telegram or WhatsApp and FinMan reads the numbers, calculates the bill and saves it automatically.
FinMan lets you track utility meter readings (water, gas, electricity) by sending a photo to a Telegram or WhatsApp bot. AI reads the digits automatically, calculates the bill from your tariff, and saves the history — so you never type meter numbers by hand or forget the monthly deadline again.

### Automatic Bank Statement Import & Categorization | FinMan
URL: https://finman.vhworx.com/scenarios/bank-statement-import
Upload a PDF or XLS bank statement and FinMan detects the bank, imports every transaction and auto-categorizes it with AI — a full month of spending in about a minute.
FinMan imports bank statements (PDF or XLS) automatically: it detects the bank, extracts every transaction, and uses AI to assign spending categories — without typing a single line by hand. Supports Monobank and other major banks, merges duplicates, and keeps a full multi-currency transaction history.

### Car Cost Per Kilometer Calculator & Fuel Tracking | FinMan
URL: https://finman.vhworx.com/scenarios/car-cost-per-km
Track fuel, repairs and mileage by sending a receipt photo in Telegram or WhatsApp. FinMan calculates real cost-per-kilometer (or per-mile) automatically for every car you own.
FinMan tracks car expenses — fuel, maintenance, repairs and mileage — from a photo of a receipt sent to Telegram or WhatsApp, then calculates the real cost per kilometer (or per mile) automatically. It supports multiple vehicles, both metric and imperial units, and shows fuel consumption (L/100km or MPG) alongside total running cost.

### Personal & Family Expense Tracking, Automated | FinMan
URL: https://finman.vhworx.com/scenarios/expense-tracking
Track personal or family spending without spreadsheets or weekly meetings. Each member logs expenses their own way, and FinMan shows one shared, always up-to-date picture.
FinMan automates personal and family expense tracking: every family member logs spending their own way — bank import, Telegram or WhatsApp bot, or manual entry — and everyone instantly sees the shared, always up-to-date picture with analytics per person and for the whole group, multi-currency included.

### Landlord & Tenant Utility Meter Sharing — Telegram & WhatsApp | FinMan
URL: https://finman.vhworx.com/scenarios/landlord-tenant-meters
Invite tenants with one link so they submit utility meter readings via Telegram or WhatsApp — you see every reading in real time, with no more photos lost in chats.
FinMan lets landlords invite tenants with a single link: tenants register, then submit utility meter readings via the app, Telegram or WhatsApp bot, and the owner sees every reading in real time. It replaces scattered chat photos with one shared, organized history per address — useful for any rental property, regardless of country or utility provider.

### Track savings & one-off costs apart from living expenses
URL: https://finman.vhworx.com/scenarios/separate-spending
Keep investments, savings and one-off costs out of your monthly living-expense total in FinMan — they stay visible in the breakdown, just don't inflate the total.
In FinMan you can mark any category — investments, a house deposit, long-term savings — to be excluded from your total-expense figure. Those payments stay fully visible in the category breakdown, but your monthly cost-of-living total isn't inflated by money that isn't really day-to-day spending.

## Blog

### Automatic expense tracking with Monobank: webhooks instead of manual entry
URL: https://finman.vhworx.com/blog/monobank-expense-tracking
How to track card expenses automatically using the Monobank API: every payment lands in your tracker in a second — amount, merchant and category, no typing.
To track card spending automatically, connect Monobank's webhook API to FinMan: every payment lands in your tracker within a second with amount, merchant and category filled in — no manual typing. This article explains how webhooks work, how to set them up, and how to keep categories accurate.

### What does one kilometer really cost? A practical method for car expense tracking
URL: https://finman.vhworx.com/blog/car-cost-per-km
A 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.
Your real cost per kilometer is more than fuel: combine fuel consumption from refuels and odometer readings with repairs, maintenance and other car expenses, then divide by distance driven. This article gives a simple methodology and shows how FinMan automates the calculation from your refuel and mileage data.

### Utility meter readings without mistakes: tariffs, differences and a photo instead of a calculator
URL: https://finman.vhworx.com/blog/utility-meters-without-mistakes
Common mistakes in utility bill calculations — wrong differences, outdated tariffs, lost history — and a workflow where AI reads your meter from a photo.
Most utility-bill mistakes come from wrong meter differences, outdated tariffs and lost reading history. The fix is a consistent workflow: record each reading, let the system compute differences and apply current tariffs automatically. This article shows how FinMan reads your meter straight from a photo to avoid errors.

### The 50/30/20 Budget Rule: A Simple Way to Split Your Income
URL: https://finman.vhworx.com/blog/50-30-20-budget-rule
Learn how the 50/30/20 budgeting rule works, how to adapt it to real life, and how to track each category automatically without spreadsheets.
The 50/30/20 rule splits your after-tax income into 50% needs, 30% wants, and 20% savings or debt repayment. It gives you a flexible, easy-to-remember structure for spending, and tracking apps like FinMan can automatically sort transactions into each bucket for you.

### Sinking Funds: Stop Letting Car Repairs Wreck Your Budget
URL: https://finman.vhworx.com/blog/sinking-funds-for-car-repairs
Learn 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.
A sinking fund is money you set aside monthly for a known future cost like tires, insurance or a timing belt. Estimate the annual total, divide by 12, save that amount, and track contributions and spends in FinMan categories so the bill never feels like an emergency.

### Manage Your Utility Tariffs Right From the Telegram & WhatsApp Bot
URL: https://finman.vhworx.com/blog/manage-utilities-from-bot
FinMan 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.
FinMan's bot Utilities menu now lets you manage everything inline: pick an address to rename it or open its services, rename a service, toggle a shared meter, and edit tariffs — change their name, type (metered, subscription, manual) or price. You can add new items too, and share an address for tenant read-only access.

### Day/Night Electricity Meters: How to Track Them Right
URL: https://finman.vhworx.com/blog/day-night-meter-readings
Multi-tariff electricity meters bill day and night usage at different rates. Here's how to read both registers correctly and track them in FinMan.
A multi-tariff electricity meter has separate registers for day and night usage, each billed at a different rate. Record both readings, let the app compute the difference per register, and apply each tariff's price. FinMan supports day/night tariffs and calculates each bill automatically.

### Spending Abroad? Track It Right With Daily Exchange Rates
URL: https://finman.vhworx.com/blog/track-spending-abroad-multi-currency
How to track travel spending in multiple currencies without messy conversions — log payments in the currency you paid, see totals at daily rates.
When spending abroad, log each payment in the currency you actually paid. FinMan stores multi-currency amounts per transaction and applies daily exchange rates, so you see accurate totals in your home currency without manual math or guesswork over which rate applied on which day.

### Free LLMs vanish weekly, so FinMan VHWorx picks its own models
URL: https://finman.vhworx.com/blog/llm-models-as-data-not-constants
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.
FinMan VHWorx never hardcodes an LLM: a daily job syncs the live model list from OpenRouter, adds new free vision models, retires vanished ones, re-ranks paid fallbacks by price, and photo recognition walks that priority list with automatic failover - so model deprecations never break the app or surprise the bill.

### Your Real Cost-Per-Kilometer Isn't Just Fuel
URL: https://finman.vhworx.com/blog/true-cost-per-km-include-maintenance
Fuel is only part of what your car costs per kilometer. Here's how to fold in repairs and maintenance for an honest number using FinMan.
Real cost-per-kilometer includes fuel plus repairs, maintenance and other car costs — not fuel alone. Log every refuel and expense against your vehicle, keep odometer readings current, and FinMan divides total spend by distance driven to show what each kilometer truly costs.

### EV vs Petrol: Compare Real Cost-per-Kilometer
URL: https://finman.vhworx.com/blog/ev-vs-petrol-cost-per-km
Thinking of switching to an EV? Here is how to compare the true cost-per-kilometer against your petrol car using FinMan's fuel and mileage tracking.
To compare EV and petrol running costs, log every charge or refuel plus odometer readings for both cars in FinMan. It computes each vehicle's real cost-per-kilometer — fuel/energy plus maintenance and repairs — so you compare actual numbers, not sticker-price guesses.

### Splitting a Shared Meter Between Housemates Fairly
URL: https://finman.vhworx.com/blog/split-shared-meter-costs-fairly
How to split a shared electricity or water meter between housemates fairly, and track it in FinMan with shared services and read-only tenant access.
To split a shared meter fairly, record the total bill from one meter difference, then divide it by an agreed rule — equal shares, per-person, or by room. In FinMan, mark the service as a shared meter, collect one reading, compute the bill, and give housemates read-only access.

### How to Handle Cash Withdrawals in Your Expense Tracking
URL: https://finman.vhworx.com/blog/categorize-cash-withdrawals
An ATM withdrawal isn't a real expense — it's just moving money. Here's how to track cash properly in FinMan so your categories stay honest.
An ATM withdrawal is a transfer, not spending — logging it as an expense double-counts and hides where cash actually goes. In FinMan, treat withdrawals as a neutral event, then log real cash spending as manual entries with proper categories so your reports reflect reality.

### Log a Refuel in Seconds With a Receipt Photo
URL: https://finman.vhworx.com/blog/track-second-car-refuel-photo
Skip manual typing: send a fuel-receipt and dashboard photo to FinMan's bot and let AI fill in litres, price, total, station and mileage.
To log a refuel fast, send a photo of the fuel receipt and your dashboard to FinMan's Telegram or WhatsApp bot. AI reads the litres, price, total and station from the receipt and the odometer from the dashboard, then saves the entry to the right car automatically.

### Spot a Fuel Efficiency Drop Before It Costs You
URL: https://finman.vhworx.com/blog/track-fuel-efficiency-drop-early
Learn how rising litres-per-100km can warn you of car trouble early, and how FinMan tracks your real fuel consumption from every refuel.
A slow rise in fuel consumption often signals underinflated tyres, a dirty air filter or a failing sensor. Log every refuel with litres and odometer in FinMan, and it computes your consumption automatically — so you can catch a trend and fix the cause before it drains your wallet.