FinBuddy

Yes. All core features, including expense logging, budget planner, live bill splitting, savings goal tracker, and basic AI insights, are free for college students with no hidden charges or subscription gates.

FinBuddy uses real-time Firestore listeners. A splitting session displays a room QR code; when roommates scan it, they are added to the screen, and balances update instantly across connected screens.

Yes. FinBuddy does not require direct bank login credentials; users input transactions via manual logging, voice entry, or receipt scanner OCR.

The site says security is a priority, with the database hosted on Firebase Secure Rules and secure Cloud Firestore, and data is not shared, sold, or exposed to third-party ad companies.

Unlike generic calculators that just show numbers, the AI Money Coach analyzes personalized habits and provides actionable strategies.