Write it down.
Let AI keep the record.
A personal finance app that does less. Type what you spent in one line — Financial Note files it, counts money sent home as care, and stays quiet until you ask.
For young Vietnamese adults · Write in Vietnamese or English
You wrote
coffee 24k, breakfast 35k, petrol 100k, Peter paid me back 45k for lunch
4 items
Here's what I got
Coffee
Drink
Breakfast
Food
Petrol
Transport
Peter paid me back for lunch
Received
28%
save a fixed amount every month
16%
feel confident about their finances
0 of 9
who send money home feel proud of how they manage it
54%
prefer a tool that records over one that advises
From our research with young Vietnamese adults — 5 interviews and a 32-person survey, 2026. Read the report
You write one line. The record is already done.
Most finance apps answer with more charts, alerts and advice. Financial Note is built on the opposite finding: people were already managing — what they needed was less noise.
Type it like a text to a friend.
“cà phê 24k, ăn sáng 35k” or “coffee 24k, breakfast 35k” — one line, any mix of Vietnamese and English. Financial Note splits it into items, amounts and categories, and shows you what it understood before anything is saved.
Money sent home is care, not spending.
Supporting parents is expected — so it earns guilt when missed and little pride when met. Financial Note keeps it in its own space, “Taken care of”, counted as something you gave. It never asks for your income.
Upcoming bills as dates, not alarms.
Rent, electricity and instalments in one quiet list for the month — what's due and when. No red numbers, no overdue badges, no pressure.
Where it is today.
Research & design
5 interviews, a 32-person survey, an iOS prototype and a 6-person pilot. World Usability Design Challenge 2026.
First version
One-line notes with AI parsing and a confirm step, a quiet home screen, “Taken care of” and upcoming bills. Data stays on your device.
After launch
Photo of a handwritten money note, instalments in a sentence, a clearer view of assets.
Things it won't do
Connect to your bank, ask for your income, or tell you how to spend.
The finance app that does less — so you can look more.
Financial Note isn't released yet. Send a short email and you'll hear when the first version is ready to try.
Join the waitlist nin@phamnguyen.space