Finlynq is an open-source personal finance platform licensed under AGPL v3, designed to help people track their finances and explore their data using AI. Users can connect a bank or import transactions from CSV, Excel, OFX, QFX, PDF, or email. Finlynq organizes finances with rollover envelope budgets, net-worth tracking, savings goals, loans, and portfolio tools featuring live prices, returns, benchmarks, lot-tracked cost basis, and multi-currency support. It also offers FIRE projections and cash-flow forecasting.

A built-in Model Context Protocol (MCP) server connects financial data to compatible clients such as Claude, Cursor, and other MCP tools, enabling plain-English questions and structured responses. An in-app AI chat is available without an external MCP client, and native iOS and Android apps are offered. Finlynq can be used through its hosted cloud service or self-hosted with Docker, with the same features and no license fees. The platform uses password-derived encryption and is designed so the operator cannot decrypt most personal financial details; some numeric data remains unencrypted to support calculations and database functions.