# FinMan

> 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](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.
- [The FinMan Story — why I built a finance tracker for myself](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 Use Cases — Personal, Family, Landlord, Cars](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.
- [FinMan vs Competitors - Which Finance App is Best?](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.
- [How to submit meter readings: deadlines and methods by provider](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.
- [Free finance calculators — car cost per km, utility bill](https://finman.vhworx.com/calculators): Free, no-signup calculators: real cost per kilometer for your car, and your utility bill from meter readings.
- [Import a bank statement from any bank — FinMan](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 in 50+ languages — full localization](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 Pricing — Free forever, premium AI from $2.99/mo](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 Feedback — Share your ideas and report bugs](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](https://finman.vhworx.com/changelog): What is new in FinMan: latest features, fixes and improvements. Updated weekly with user-requested changes.
- [Terms of Service](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](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](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](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.
- [Automatic Bank Statement Import & Categorization | FinMan](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.
- [Car Cost Per Kilometer Calculator & Fuel Tracking | FinMan](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.
- [Personal & Family Expense Tracking, Automated | FinMan](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.
- [Landlord & Tenant Utility Meter Sharing — Telegram & WhatsApp | FinMan](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.
- [Track savings & one-off costs apart from living expenses](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.

## Blog
- [Automatic expense tracking with Monobank: webhooks instead of manual entry](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.
- [What does one kilometer really cost? A practical method for car expense tracking](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.
- [Utility meter readings without mistakes: tariffs, differences and a photo instead of a calculator](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.
- [The 50/30/20 Budget Rule: A Simple Way to Split Your Income](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.
- [Sinking Funds: Stop Letting Car Repairs Wreck Your Budget](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.
- [Manage Your Utility Tariffs Right From the Telegram & WhatsApp Bot](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.
- [Day/Night Electricity Meters: How to Track Them Right](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.
- [Spending Abroad? Track It Right With Daily Exchange Rates](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.
- [Free LLMs vanish weekly, so FinMan VHWorx picks its own models](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.
- [Your Real Cost-Per-Kilometer Isn't Just Fuel](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.