Finu: Finance App with a WhatsApp AI Agent (Own Product)

Finu is my own product: a personal finance app built so tracking money takes one message, not one more app to open. It's not client work. It's where I build and run, end to end, the same kind of AI agents and automations I build for clients.

The core idea: Finu lives in WhatsApp. You talk to it like you'd talk to a friend, and an AI agent built in n8n takes care of the rest.

Log expenses by message. Text, voice note or a photo of a receipt: the agent understands it, picks the category and saves the expense.

Payment reminders. The day before a payment is due, Finu sends a WhatsApp message with what's coming up and a direct link to each payment.

Ask about your money. "How much did I spend on food this month?" gets a real answer from your data, in the chat.

Every incoming WhatsApp message hits a webhook and a router that splits text, audio and images.

Audio is transcribed and images are analyzed before reaching the agent.

The agent runs on OpenAI with conversation memory in Postgres, and uses Finu's own tools to create and query expenses, payments and categories.

A separate calendar agent handles reminders and dates, and an error workflow alerts me if anything fails.

Built with Next.js and Supabase.

Monthly overview with fixed and variable expenses, income, savings and days until payday.

Multiple currencies with live exchange rates, recurring payments and an analysis view by month and category.

A built-in assistant that turns "$20.543 delivery pad thai" into a proper expense, with a confirmation card before saving.

Finu also exposes an MCP server with tools to read and write your data, so you can manage your finances from Claude without opening the app.

The same setup works for any business: a WhatsApp agent connected to your own data, that understands text, audio and images, takes real actions and reminds people on time.