Account hub
Bring checking, savings, and credit card accounts into one place so you can review balances together instead of switching between bank sites.
Finchum
Finchum is a personal finance planning tool that aggregates accounts and forecasts future balances for users in the US and Canada. It supports secure sync without sharing bank passwords, with OAuth where available and file-based imports as a fallback.
Overview
Finchum is a personal finance planning tool focused on secure account aggregation and balance forecasting. It brings multiple accounts into one view, then uses recurring income and expense rules to project where those balances are headed.
The product is designed for people in the US and Canada who want a clearer read on runway, mortgage readiness, or big purchases without handing over their bank password. Where supported, it uses OAuth; otherwise it relies on secure file uploads and bank-provided import formats.
Core features
Category insights
View income versus spending by category with a simple presentation that avoids heavy accounting language or complex graphs.
Balance forecasting
Model recurring income and expenses, then use Foresee to show where balances are headed based on the transactions your accounts already reflect.
Secure account sync
Connect through OAuth where a bank supports it, or use secure file uploads and one-click imports without sharing bank passwords.
Planning views
Use the product for runway, mortgage readiness, and planned purchases, which are the main scenarios called out on the site.
Common use cases
Centralize everyday accounts
Connect several personal accounts and review checking, savings, and credit card balances together in one account hub.
Forecast future balances
Add recurring income and expense rules to see how your balances are likely to move over time rather than only showing today’s numbers.
Plan around major expenses
Check whether you have enough runway for the near term or whether a big expense may affect your balance outlook.
Prepare for a mortgage
Use the balance forecast to think through mortgage readiness and similar long-range financial decisions with current account data.
Pros and Cons
Pros
- Does not ask for your bank password.
- Supports OAuth where banks offer it, with secure file upload fallback.
- Combines account aggregation, category insights, and future balance forecasting in one product.
- Offers a free tier and an unlimited paid plan.
- Built specifically around US and Canadian banking contexts.
Cons
- The site does not show a full public list of supported institutions.
- Premium OAuth access is described as an upgrade for eligible paid subscribers, not a self-serve option.
- The product description suggests a simple workflow, but detailed setup and collaboration features are not documented on the public pages.
FAQ
Who is Finchum for?
Finchum is built for individuals who want a forward-looking view of their personal finances without sharing their bank password. The site positions it for users in the US and Canada who want to track balances, runway, mortgage readiness, or planned purchases.
How do you connect accounts to Finchum?
Finchum says it supports secure account sync through OAuth where available, or through secure file uploads and one-click imports from bank-provided file formats. It does not ask for your bank password.
What does Foresee do?
The product shows current account data and then applies recurring income and expense rules to project where balances are headed. Its Foresee view extrapolates from what the accounts already reflect rather than making speculative predictions.
What are the main plan options?
The pricing page shows a free tier with up to 3 connected accounts and a paid unlimited plan. It also says Premium with OAuth is an upgrade path for eligible existing paid subscribers, not a self-serve checkout.
Does Finchum support every bank or team usage?
The sources describe Finchum as working with US and Canadian banks, with OAuth readiness as banks adopt it. They do not list a full supported-institution directory or a team plan.
Quick Facts
- Category
- Personal finance planning
- Primary users
- Individuals tracking balances, runway, and planned purchases
- Regions
- US and Canada
- Source domain
- haumend.com
- Free plan
- Yes, up to 3 connected accounts
- Paid plan
- Yes, unlimited accounts at $3.99/month
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