Backed by InQUBE Entrepreneurship Incubator, University of Wroclaw
Top Fintech in Poland 2025
Top Fintech in Poland 2025
AI Financial Concierge
for Smarter Financial
Decisions
Not another budgeting app. Decision intelligence for personal and business finance.
Amibudget is your AI financial concierge. It analyzes your financial data and guides you to one clear, well-reasoned financial decision.
Download the App
Today you can:
• Log expenses in just a few taps
• See clear charts by category
• Build simple budgets and stick to them
• Log expenses in just a few taps
• See clear charts by category
• Build simple budgets and stick to them
Tomorrow we’re building even more:
*Open Banking integration — connect your bank accounts for real-time cash flow analysis
* AI financial concierge — get one smart recommendation tailored to your goals, not a long list of options
*Open Banking integration — connect your bank accounts for real-time cash flow analysis
* AI financial concierge — get one smart recommendation tailored to your goals, not a long list of options
For Personal Finance
Problem:
Chaotic spending and poor financial decisions driven by impulsive purchases, Buy Now Pay Later habits, and lack of real-time financial clarity.
Solution:
An AI financial concierge that analyzes your real financial data and guides you toward one clear, well-reasoned financial decision — not endless dashboards or alerts.
Value:
Clear guidance instead of fragmented insights.
Financial advising is outdated — finance is evolving.
For SMEs
Problem:
SMEs struggle with complex financing and slow, product-driven advisory processes.
Solution:
An AI decision engine that analyzes company financials to recommend one best-fit financial product.
Value:
Faster access to well-reasoned financing decisions
Transparent, data-driven recommendations
One clear best option — not multiple vague alternatives
100% GDPR compliant
How Amibudget Works
Your AI Financial Concierge in 3 Simple Steps
2
Amibudget analyzes your spending or financials
1
Upload your bank accounts or accounting systems data
3
You receive a clear plan or the best financing option - instantly
Bank-level security
Why Amibudget is different
Real-time
Partial
Personalization
1 best-fit
Multiple alternatives
Number of options
Real-time
Data-driven
High
Limited
Transparency
Yes
Incentive-driven
Recommendation process
7 seconds
Days or weeks
Time to deliver advice
Feature
Human Advisor
Built by a team of experts
About the project
Launched January 2025 (MVP 08.2025)
Backed by InQUBE University of Wrocław Entrepreneurship Icubator
Featured among Poland’s top fintech startups
Endorsed by economics & business professors
Listed on the official Map of Polish Fintech 2025
About the team
Experts in tech, AI & product development
Proven experience in launching and scaling tech startups
We know AI, data, and business
For Investors
We are building the AI decision layer for finance
Investment highlights:
Fintech × AI, scalable across B2C and B2B
Decision intelligence, not another finance app
Why now:
Financial decisions are shifting from humans to algorithms
Demand for real-time, data-driven finance is accelerating
An AI financial concierge that guides users to one clear financial decision
Banking apps show data. Amibudget turns financial data into one clear, well-reasoned decision
• Individuals who want clearer, smarter financial decisions
• Small and medium-sized businesses navigating everyday finance
• Freelancers and entrepreneurs managing variable income and cash flow
• Small and medium-sized businesses navigating everyday finance
• Freelancers and entrepreneurs managing variable income and cash flow
1. Connects to your bank via Open Banking (PSD2).
2. Uses AI/LLMs to analyze your financial data.
3. Sends risk alerts and personalized suggestions.
4. Provides guidance in a simple chat interface.
2. Uses AI/LLMs to analyze your financial data.
3. Sends risk alerts and personalized suggestions.
4. Provides guidance in a simple chat interface.
• Real-time financial data insights
• Expense and income overview
• Category-based financial analysis
• Decision-oriented financial guidance
• Alerts supporting smarter financial decisions
• Expense and income overview
• Category-based financial analysis
• Decision-oriented financial guidance
• Alerts supporting smarter financial decisions
Amibudget is available on Google Play and App Store.
Right now, we already have users in:
• 🇵🇱 Poland
• 🇺🇸 USA
• 🇨🇦 Canada
• 🇪🇸 Spain
More countries will be added soon.
Right now, we already have users in:
• 🇵🇱 Poland
• 🇺🇸 USA
• 🇨🇦 Canada
• 🇪🇸 Spain
More countries will be added soon.
Yes ✅. Amibudget is fully GDPR and PSD2 compliant, uses encrypted data storage, and only connects through official, certified APIs.
The basic version is free. A premium subscription with advanced features (cash flow forecasting, white-label SDK for banks, business modules) will be introduced soon.
• More integrations with crypto and financial services.
