sajjadahammed

SDE | Building @

[sajjadahammed @sajjadahammed]

Finly is free to use.

If you've ever looked at your balance and still had no idea whether you could actually afford something, this is for you.

Try it here: https://t.co/7ENtGMUGvU

#Fintech #BuildInPublic #MCP #AIAgents

[sajjadahammed @sajjadahammed]

Most budgeting apps are rearview mirrors.

They tell you what you spent last month. They don't tell you the one thing you actually need to know.

"Can I afford this, right now?"

That's what Finly answers. 🧵

[sajjadahammed @sajjadahammed]

A few small things that add up:
Passkey login, no passwords
Offline-first PWA
A 15 second spoken morning brief of your money situation

Built to be fast and stay out of your way, not another app fighting for your attention.

[sajjadahammed @sajjadahammed]

Splitting a bill with friends or lending someone money?

Finly handles bill splitting and money loans natively, so it doesn't turn into a spreadsheet or an awkward "you still owe me" text.

[sajjadahammed @sajjadahammed]

Here's what actually sets Finly apart.

It ships an MCP server, so you can connect Claude Desktop, Cursor, or any AI agent straight to your Spending's. Ask "can I afford this?" or log an expense in plain English.

[sajjadahammed @sajjadahammed]

Every transaction gets categorized automatically by AI.

And before you overspend, Finly nudges you ahead of time, instead of just showing you the damage afterward like most apps do.

[sajjadahammed @sajjadahammed]

Got debt? Finly builds automated payoff plans using avalanche or snowball strategy, and simulates them against your real cash flow instead of a generic formula.

So you see your actual payoff date, not a guess.

[sajjadahammed @sajjadahammed]

Finly's core is a live number called Safe-to-Spend.

It takes your balance, subtracts upcoming bills, debt payments, and savings goals, and shows you what's actually free to spend today. Not your balance. Your real number.

[sajjadahammed @sajjadahammed]

@samsiavoshian Thank you, Sam! i’ll add it to our onboarding experiments. The goal is exactly that: make Safe-to-Spend answer the user’s question at a glance, without needing a tutorial. Appreciate the support!

[sajjadahammed @sajjadahammed]

Launched Finly on Product Hunt today 🚀

Every budgeting app tells you what you already spent.
Finly tells you what you can actually spend — right now, after bills, debt, and goals.

[sajjadahammed @sajjadahammed]

@Maims668708 Interested

[sajjadahammed @sajjadahammed]

@aaliya_va Thanks Aaliya! Appreciate the support 🙏

[sajjadahammed @sajjadahammed]

@chenzhangreal https://t.co/wfVj5xsSUr
A personal finance app with agentic capabilities

[sajjadahammed @sajjadahammed]

@lightsilver323 https://t.co/wfVj5xsSUr

[sajjadahammed @sajjadahammed]

@Maims668708 interested

[sajjadahammed @sajjadahammed]

@CharuMitraDubey https://t.co/7ENtGMUGvU

[sajjadahammed @sajjadahammed]

The part I'm most excited (and nervous) about: an MCP server.

Connect Claude Desktop, Cursor, or any AI agent straight to your ledger and ask "can I afford this?" in plain English.

[sajjadahammed @sajjadahammed]

It's built around one live number: Safe-to-Spend.

Around that:
→ Automated debt payoff plans (avalanche/snowball, simulated against real cash flow)
→ AI transaction categorization + overspend nudges
→ Bill splitting & money loans

[sajjadahammed @sajjadahammed]

@rightfitso @wh0sumit https://t.co/wfVj5xsSUr