The brief
Finman is a personal finance app. It is a product of INNOVA CONSULT LTD., the Ottawa company of our business group, and Marketing MIX builds both the app and its public site at finman.money and promotes them. The site footer carries our credit.
The person it serves has money in several places: two or three bank accounts, a card, maybe an account in another currency, a car loan and a few subscriptions. The bank apps show each account alone, and a spreadsheet goes stale within a month. The brief was one place for the whole picture, fed from the files banks already give out, so the user never has to share a bank password. On top of that picture: budgets, goals, debts and a forward look at the balance.
What we built
The app
Work on the app started on 1 April 2025. It is a Node.js and Express server with an SQLite database and a plain JavaScript front end with no build step, so it starts fast on a modest server. On 8 November 2026 it covers accounts in several currencies, transactions, budgets with an envelope (rollover) mode, savings goals, debts with their rates and target dates, subscriptions, investments and a net worth history.
From a bank file to a forecast
Transactions come in as CSV, OFX or QFX files from RBC, TD, Scotiabank, BMO, CIBC, Tangerine, Wealthsimple Cash, EQ Bank, Revolut and Wise, through a direct monobank connection with a personal token, or by hand. Each imported line gets a category from its merchant code or keywords in the description, and the user's own rules sort what is left with one click. The balance forecast looks up to 90 days ahead from the last 90 days of income, spending and recurring payments. Finman finds charges that repeat and lists the subscriptions behind them. A receipt photo is read on the server for merchant, total and date, and the user checks the result before saving. An AI chat answers questions from the user's own figures.
Family members can share accounts and household budgets while each keeps a private spending view. On a phone the web app works offline and syncs when the connection returns.
The public site
The site at finman.money was started on 14 August 2026 as a static build with its own design system. The direction is a nautical chart and a tide table: known figures print as plain numbers, and one accent colour is kept for forecasts only, so a reader always sees which number is a fact and which is a projection. Each feature has its own page, and the site has comparison pages, a blog and five free calculators that need no account: rent affordability, net worth, debt payoff, emergency fund and the 50/30/20 split.
Where it stands today
On 8 November 2026 finman.money is live in English. The menu holds Features, Tools, Pricing, Compare, Blog and Log In. The home page shows the five steps from a bank file to a forecast, twelve feature cards, the list of supported banks, the calculators and an FAQ. During the open beta every feature is free and online payment is not switched on. The sitemap lists 141 addresses, 113 of them blog articles. The footer names INNOVA CONSULT LTD.
Related
The site: corporate websites. Search: SEO. The sector: fintech and accounting. Our finance system for companies: FINMOZG.
Project lead: Marketing MIX. Product: Finman, a personal finance app of our business group. Years: 2025–2026.