✓ No agenda · ✓ No data sold · ✓ Free to use, forever
The honest financial friend you never had.
Most financial guidance comes with a product attached. Franky doesn't. Honest answers about your money, across seven markets, with no financial products to sell.
Join people getting honest financial guidance. No agenda, no products to sell.
✓ No products to sell✓ No affiliate revenue✓ No data brokerage✓ No commission✓ 14 questions free, always
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 comes from subscriptions. 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.
AI-powered general 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 student loan guidance, and can produce a structured financial migration brief when you're moving countries.
Ask it anything about your money. It will give 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's business model is a direct subscription. That's it.
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Doesn't earn from financial productsNo referral fees, no affiliate revenue, no commission. Franky has no financial interest in what you do with your money.
FAQ
Common questions.
Yes. You get 14 questions free every 14 days with no credit card required. Franky Plus (from £2.49 / $2.49 / month) removes the limit and adds the full persona analysis, unlimited retakes, and PDF exports. The free tier is permanent. Just start asking.
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. There's nothing else it could earn from you beyond a subscription.
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. Our business model is a direct subscription, Franky Plus. We may use anonymised, aggregated data to improve the product and publish market insights. Your personal data is never individually identifiable in any external use.
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. Available as part of Franky Plus.
Franky was built by an independent founder frustrated by financial tools that earn revenue by pointing people toward products. The goal was simple: build the honest financial friend most people don't have access to, knowledgeable, direct, covering multiple markets, and with no financial products to sell. It runs on a leading AI model, shaped into Franky's specific voice and character.