Overview

Set a target amount and deadline, then choose how to build toward it. finbee tracks progress and savings history, with recurring contributions and rules tied to card purchases, step counts, or unused card spending capacity. Contributions can be automated, but withdrawals are manual; this is a tool for building savings, not automating access to them.

Card round-ups save the gap between a purchase and a selected rounded amount after you register a debit or credit card. Step-based saving can connect activity to contributions; on Android, this feature requires Health Connect with app version 8.5.0 or later. Trial savings provides a way to try the saving flow without linking a bank account, which lowers the commitment for someone still deciding whether the method suits them.

Key features

Multiple savings rules: Recurring savings, round-ups, step-based contributions, and saving based on unused card spending capacity offer different routes to consistency. That breadth is useful for users whose habits fit one of these triggers; it is less compelling if they want investments or fully automated withdrawals.
Goals and progress: Goals include a target and deadline, and the app displays progress and history. The free plan restricts how much history remains visible, so it is better for trying the routine than for keeping a complete record over time.
Bank connections: The maker lists API agreements with SBI Sumishin Net Bank, Mizuho Bank, Chiba Bank, Hokuetsu Bank, Iyo Bank, Hyakugo Bank, Chugoku Bank, Toho Bank, Musashino Bank, and Japan Post Bank. Linked and savings accounts must be in the user's own name.
Account safeguards: NestEgg says it uses organizational, physical, technical, and personnel measures to guard against unauthorized access and information leaks. Its bank API agreement says bank information is not disclosed to third parties except where law requires it or the user consents.

Pricing

finbee is freemium, with two free plan entries and two paid tiers. The free option makes it possible to use the service without a subscription, but its history restrictions matter if you want to review long-term progress.

Plan	Price	What it includes
フリープラン	0.00 USD per free	Free; savings-in-progress history is viewable for two years, while completed-goal history is unavailable.
finbee	0.00 USD per free	No service fee. Mizuho transfers are capped at ¥500,000 per day; other linked banks have no stated cap.
ベーシック	300.00 JPY per month	Monthly ¥300 including tax; ads removed, up to 20 goals, and full history for active and completed goals.
プレミアム	500.00 JPY per month	Monthly ¥500 including tax; ads removed, unlimited goals, and full history for active and completed goals.

ベーシック is the practical upgrade for users who want an ad-free app and complete history while staying within 20 goals. プレミアム is for users who need more than 20 goals; both paid plans restore completed-goal history. The free plan gives up that history and limits active-goal history to two years. The listed pricing note also includes a 30-day trial. Service fees are stated as none, but Mizuho users may face a bank-side fee when moving unswept funds into a savings account, and the Mizuho daily transfer cap is ¥500,000.

Platforms

finbee is available on Android and iOS. Android users need Health Connect for step-based saving on app version 8.5.0 or later. One account cannot be used across multiple devices, a meaningful restriction for people who expect to switch between a phone and tablet.

Who it's for

finbee fits people who want a Japanese-bank-linked savings routine organized around goals and recurring or behavior-based rules. The practice mode makes it approachable before connecting a bank. It is less suitable for users who need multi-device access, automatic withdrawals, or a complete history without paying for a plan.

Pros and cons

Pro: Four types of savings rules let users align contributions with schedules, purchases, steps, or unused card capacity.
Pro: Trial savings allows exploration without a linked bank account.
Pro: Paid plans include active and completed-goal history, and Premium removes the goal cap.
Con: The free plan hides completed-goal history and retains active-goal history for only two years.
Con: A single account cannot be used on multiple devices, and withdrawals require manual action.
Con: Mizuho users face a ¥500,000 daily transfer cap and may incur bank-side transfer fees.

Alternatives

For a broader category comparison, start with Automated Savings Apps. Choose Betterment instead if web access matters or its investment-oriented account thresholds—$200 in monthly recurring deposits for Digital or a $100,000 minimum eligible investment balance for Premium—fit your plans better. PiggyVest is a free option with no transaction charges or monthly fees, though some products carry processing fees and early withdrawals may incur penalties.

SavingsBox is worth considering if web access and personal savings boxes appeal; its free plan includes manual contributions, while Premium costs 4.99 USD per month. Chip may suit users looking for savings accounts and recurring deposits, with autosaves priced at 45p per save on Basic. Goin offers automatic saving, investment options, and rewards, with a 1.33 EUR per month Pro tier for users who want its additional cashback and flexible saving features.

Plum is another free-to-start option, but its Basic plan is limited to one pocket and has no pocket goals; Pro costs 3.99 EUR per month. Raiz is a paid alternative starting at 2.50 AUD per month for Lite, with preset portfolios and a $1,500 balance threshold. Piggo is a free alternative available on web, iOS, and Android.

Verdict

Choose finbee if you want savings goals and several rule-based ways to build contributions, especially if trial savings or a supported Japanese bank connection matters. Its strongest case is the range of routines paired with goal progress; its main trade-offs are limited free history, single-device access, and manual withdrawals. Look elsewhere if you need a complete free history, cross-device use, or a different kind of savings product.

	finbee	Guac
Free plan	Yes	No
Free trial	No	No
Paid from	¥250/mo	—
Open source	No	No
Platforms	Android, iOS	Web, iOS, Android
Free plan	Yes	Yes
Card roundups	Yes	No
Scheduled transfers	Yes	—
Custom savings rules	Yes	Yes
Savings goal limit	20 goals	—
Interest on savings	Yes	—
Withdrawal method	manual	manual

finbee vs Guac

finbee

Guac