Signing up takes about a minute, and no card is involved.
The form
At app.finthy.com/signup you give:
- First name and last name.
- Your email address. This becomes how you sign in, so a typo here is the single most common reason a verification email never arrives.
- A password, at least 8 characters.
- Agreement to the terms of service and the privacy policy, which is a tick box and is required.
There is also an optional tick box for product emails. Leaving it unticked changes nothing about your account.
Three things the form does not ask for, which people often expect: there is no sign-up with Google, you do not choose a country here, and you do not choose a currency here. Country comes up later, when you add a bank, because it is a property of the bank rather than of you. Your display currency lives in settings and can be changed whenever you like.
Verifying your email
We email you a link and a 6-digit code, either of which completes verification. The link is good for 24 hours. The separate article on verifying your email covers what to do when it does not arrive.
Getting Started
After verification you land on Getting Started, a checklist rather than a wizard. It shows “{completed} of {total} steps complete” and each step says why it is there:
- Connect a bank account. “Everything else on this page starts with one account.”
- Import transactions. “The charts and the budgets fill in from what you bring in.”
- Categorize your transactions. “Sorting them is what makes the budgets and trends real.”
- Create your first budget. “A limit on one category is enough to start tracking against it.”
Skip for now is on every step, and Dismiss removes the checklist. Nothing is lost by skipping: the steps are things you can do at any point, and the dashboard will keep offering them until they are done.
You do not need a bank to start
If connecting a bank is not where you want to begin, the dashboard shows a section called Works right now, with the note “None of these needs a single transaction”:
- Set a budget first. Deciding the number before the spending is the point.
- Put your bills in the calendar. Rent, a subscription, payday.
- Add what you already own. A home, a car, an investment, recorded by hand, moving your net worth with no account behind them.
- See what saving turns into, with the interest projection.
About the free trial
When you connect a bank from the onboarding step, Finthy offers a 14-day free trial, no credit card required. Automatic bank sync is a paid feature, so the trial is what lets you try it before deciding. Adding a bank by hand is free on every plan and needs no trial at all.