✓ Not-for-profit · ✓ No products to sell · ✓ Free, forever
Financial advice was always for people who could afford it.
Franky was built to change that. Not as a startup. Not as a fintech. As a not-for-profit project that believes everyone deserves access to honest, personalised financial guidance — regardless of income, background, or whether they can afford an adviser.
Join people getting honest financial guidance. No agenda, no products to sell.
✓ Not-for-profit✓ No products to sell✓ No affiliate revenue✓ No data sold✓ Free, forever
Most financial tools earn money by pointing you toward products.
Comparison sites earn referral fees. Apps earn revenue from savings accounts, investment products, and insurance they recommend. Banks earn margin on every product in their range. Even some independent advisers earn commission on what they sell you.
That's not a criticism — it's just the structural reality. The incentive shapes the guidance, often invisibly.
"Franky's only revenue is voluntary donations from people who found it useful. It earns nothing from any financial product you use. Ever."
Most people don't have a financially knowledgeable friend they can call and ask straight questions. Franky exists to be that — direct, informed, with no financial products to sell and no reason to steer you anywhere in particular.
The founder
Built for one reason.
Most people with a financial question face the same problem — general AI can give you a broad answer, but not the specific, market-aware, personalised guidance that actually helps. And the tools that can? They have a product to sell you.
Franky is an AI tool built specifically to close that gap. Not a bank. Not a fintech app. Not a general assistant retrofitted for finance. Purpose-built for money guidance, across 7 markets, with no product behind it and no commercial interest in what you do with your money.
No funding, no exit plan, no products to sell. It runs on voluntary donations from people who found it useful. Everything else goes back into keeping it free.
What Franky is
AI-powered financial guidance, built for real people.
Franky uses a leading AI model, shaped into a specific character with a specific voice: direct, clear, and allergic to waffle. It answers questions about savings, investing, pensions, property, tax, debt, and life decisions — with real numbers, real frameworks, and genuine depth.
It knows the difference between an ISA and a TFSA, understands how CPF works in Singapore, knows why UK student loan guidance is almost the opposite of US guidance, and can produce a structured financial migration brief when you're moving countries.
Ask it anything about your money. It gives you the answer a knowledgeable friend would give. Not a liability-hedged disclaimer. Not a product recommendation. Not a prompt to speak to a financial adviser unless that's genuinely what you need.
Coverage
Seven markets, each with local context.
Franky tailors every answer to your market. Local currency, local regulations, local products, and the correct regulatory signposting for each jurisdiction.
Being clear about what Franky doesn't do is as important as what it does.
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Not regulated financial adviceFranky is not FCA-authorised, SEC-registered, ASIC-licensed, MAS-licensed, or regulated by the Central Bank of Ireland, CSA, or FMA. It provides general advice only. For significant decisions involving complex personal circumstances, it will tell you to speak to a regulated adviser, and point you to one.
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Doesn't touch your moneyFranky never connects to your bank accounts, never moves money, never holds funds, and never executes transactions. It's a guidance tool, conversation only.
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Doesn't recommend specific productsFranky will not name a specific fund, stock, insurance policy, or savings account and tell you to buy it. It explains frameworks, principles, and how products work. Never "buy this one."
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Doesn't sell your dataYour conversations are not sold, shared, or used to build advertising profiles. Franky is donation-supported. There is no other revenue model.
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Doesn't earn from financial productsNo referral fees, no affiliate revenue, no commission. Franky is a not-for-profit project. It has no financial interest in what you do with your money.
FAQ
Common questions.
Yes. Franky is completely free — no question limits, no trial periods, no premium tier. It's a not-for-profit project supported by voluntary donations from people who found it useful. If it helps you, you can support it at sofranky.com/donate — but there's no obligation and nothing is locked behind a paywall.
General purpose AI tools can talk about anything. Franky is purpose-built for personal finance, with a specific voice, market-specific regulatory awareness across seven countries, hardcoded crisis and debt distress intercepts that fire before any AI response, and guardrails that prevent it straying into territory it shouldn't touch. It also has deep knowledge of specific products: ISAs vs TFSAs, CPF in Singapore, why UK student loan guidance is almost the opposite of US guidance, and how to structure a financial migration brief when you're moving countries.
Money management apps connect to your bank accounts, move money on your behalf, and earn revenue from financial products they recommend or facilitate. Franky never connects to your accounts, never touches your money, and has no products to sell. The structural difference matters: Franky's only incentive is to give you a useful answer.
No. Franky provides general financial guidance, not regulated financial advice. It is not FCA-authorised in the UK, not registered with the SEC or FINRA in the US, and not licensed by ASIC, MAS, the Central Bank of Ireland, the CSA, or the FMA. For decisions involving significant sums, complex tax situations, or personal circumstances that require tailored advice, Franky will tell you clearly and point you toward the right regulated service for your market.
No. Franky does not sell, share, or monetise your personal data or conversation content with third parties. Franky is donation-supported. There is no advertising model, no data brokerage, and no third-party commercial relationships that involve your data.
The persona quiz is a short diagnostic that identifies your financial personality type — your instincts, blind spots, and behavioural patterns around money. Most people make the same financial mistakes repeatedly because of their personality type, not because they lack information. The quiz produces a Financial Persona Report that names the patterns and tells you what to watch out for. Free for everyone.
Franky was built by an independent founder frustrated by financial tools that earn revenue by pointing people toward products. The goal: build the honest financial friend most people don't have access to — knowledgeable, direct, covering 7 markets, with no financial products to sell. It's a not-for-profit project, donation-supported, and free for everyone.
Free guides
Financial guides by market.
In-depth guides on the decisions that matter most — written for your specific market, with real numbers and no generic advice.