Frequently asked questions

It means your income minus your planned expenses equals zero before the month begins. Not that you spend everything — it means every dollar has a job. Some go to bills, some to savings, some to debt. Nothing is unaccounted for. That's the whole idea.

No. Figsense is a planning and coaching tool. We never touch your money, never connect to your bank account, and don't store any financial credentials. You enter your numbers; we help you make sense of them.

The core budget tool — all four screens — is built and working. We're not publicly launched yet. Join the waitlist and you'll be first to get access when we open the doors.

FIO is Figsense's built-in money coach. Not a generic chatbot, not a FAQ search. FIO reads your actual budget and responds to where you are. Ask about savings account rates, which debt to pay first, what to do with a windfall, or whether you qualify for SNAP — FIO gives you real, specific answers.

Never. FIO's whole purpose is to help you move forward, not replay where you went wrong. Whatever your numbers look like, FIO starts from there.

A lot. FIO covers savings account rates (Cash App 4.50% APY, SoFi 4.60% APY, Credit Karma Money 4.10% APY), debt payoff strategies (avalanche vs. snowball), goal timelines, self-employed tax reserve estimates, SNAP eligibility basics, business budgeting, and general money questions. If it touches your budget, FIO can help.

Yes. FIO is built into the app — no scheduling, no waiting. It's there whenever you open Figsense.

$9.99 per month. That's it. No setup fees, no tiers, no features locked behind a higher plan.

Yes. No contracts, no cancellation fees. If you decide it's not for you, you can cancel whenever you want.

Everything: the full 4-screen budget tool, unlimited FIO coaching, PDF export, monthly reset reminders, budget sharing with a partner or coach, and every future update we ship. One price, no surprises.

We're not going to make promises we can't keep. What we will say: waitlist members get first access, and we're committed to keeping Figsense genuinely affordable. We built this for people who need it, not people who already have it figured out.

Not at launch — but we're thinking about it. Join the waitlist and you'll hear about any trial offers first.

Four screens. First, you enter your monthly take-home income. Second, you set aside your emergency fund and tax reserve — these get locked so they can't be accidentally spent. Third, you assign the rest to spending categories until you hit zero. Fourth, you confirm your plan and go. Next month, you reset and do it again.

Locked categories — Tax Reserve and Emergency Fund — are protected from being reassigned during the month. They're your non-negotiables. FIO helps you set the right amounts; the lock keeps them safe.

That's exactly what Figsense is built for. Every month starts fresh. Enter what you actually earned, not what you hope to earn. FIO can help you think through irregular income and build a buffer so slow months don't wreck you.

Yes. Budget sharing with a partner or coach is included in the subscription. Useful if you're working through a financial plan together or accountability is part of your process.

Yes — PDF export is included. Download a clean version of your monthly budget whenever you need it.

We collect your email address when you join the waitlist, and the budget numbers you enter in the app. We don't connect to your bank, don't access your accounts, and don't sell your data — ever.

Yes. Your budget is yours. We don't sell it, share it with advertisers, or use it to target you with offers. Figsense is funded by subscriptions, not by your data.

No. Figsense is ad-free. We're funded by subscriptions. What you see in the app is the app — not inventory dressed up as features.

Reach out at help@fig-sense.com. We read every message and we'll get back to you.

Possibly yes — white-label and institutional licensing is on the roadmap. Send us a note at help@fig-sense.com and tell us about your organization.