See where your money stands, and where it is going.
FinBuddy AI tracks your spending, plans budgets and goals, keeps your financial records in one safe place, and splits costs with family and friends.
The iPhone app is on its way.
- Languages
- 9
- Calculators
- 16
- Currencies
- 4
Sample data for the last 6 months. Hover over the chart to read each month.
- Saved
- ₹0
- Savings rate
- 0%
- Average monthly spend
- ₹0
Where last month went
- Home and rent
- Food
- Bills
- Shopping
- Transport
- Other
- Made for Indian money
- Amounts in lakhs and crores, and tracking for Section 80C, 80CCD(1B) and 80D tax savings.
- In your language
- English, Hindi, Bengali, Telugu, Marathi, Tamil, Gujarati, Kannada and Malayalam.
- Works without a signal
- Add entries offline. They wait in a queue and sync when you are back online.
- Yours to take with you
- Export everything you have stored, or back up to your own Google Drive.
Everything in the app, in seven parts
Pick a part to see what you can do in it. Some reports and coaching tools are part of the premium plans; the app shows you which when you open them.
Record money in seconds, keep it organised for years
Separate accounts and books for personal, family and business money. Add an entry in a few taps, or just say it.
- Accounts and books
- Keep personal, family and business money apart, each with its own books.
- Quick add
- Log income or an expense with a category, payment mode, tags and a note.
- Voice entry
- Type or dictate a line like “paid 500 for groceries” and the type, amount and category are filled in.
- Your own fields
- Add custom categories, payment modes and fields, and choose which ones show on an entry.
- Recurring entries
- Set up rent, a SIP or a subscription once and let it repeat.
- Import and export
- Bring in transactions from a CSV file, and export a book as CSV or PDF.
- Activity log
- See who changed what in a shared book.
Decide where money goes before it goes
Budgets that warn you in time, goals with a date, and reminders so no bill is a surprise.
- Budgets
- Set category limits and get an alert as you get close to them.
- Budget planner
- Enter income and commitments and get a monthly plan to start from.
- Savings goals
- Set a target amount and date, link entries to the goal, and pause or finish it when you choose.
- Goal feasibility
- Check whether a goal is realistic at your current income and spending.
- Bill reminders
- One-time or repeating bills, with a reminder 1, 3 or 7 days before they fall due.
- Tax saver
- Track Section 80C, 80CCD(1B) and 80D deductions and estimate the tax you save.
- No-spend challenge
- Try a stretch of days without discretionary spending.
Reports that tell you what the numbers mean
Scores, forecasts and plain-language reports built from your own entries.
- Financial health score
- One number for how your money is doing, with what to improve.
- Spend and savings scores
- How disciplined your spending is, and how well you turn income into savings.
- Forecast
- A projection of your future income and expenses.
- Cash flow, debt and emergency reports
- Cash flow health, debt stress and how ready you are for an emergency.
- Net worth
- Assets and liabilities in one view, over time.
- Spending heatmap and calendar
- See which days you spend most, and what is coming due.
- What-if simulator
- Change a category and see the effect on monthly and yearly savings.
- Spend DNA and Year in Money
- A shareable picture of your spending habits, and the story of your year. Both need at least 5 entries.
- Weekly recap
- A short summary of the week, delivered to you.
Learn, compare and calculate before you invest
Research tools for stocks and mutual funds, and a calculator for most money decisions.
- 16 calculators
- EMI, SIP and investment returns, FD, RD, PPF, SSY, NPS, NPS Vatsalya, retirement, savings goal, emergency fund, inflation, loan prepayment, net worth, GST and HRA.
- Stocks
- Browse Nifty 50, Next 50, Midcap 150 and Smallcap 250 stocks with health scores, fundamentals and a watchlist.
- Mutual funds
- Discover, compare and track funds, with your own funds and a watchlist.
- Advisor recommendations
- See stock and fund ideas from advisors you have connected with.
- Investment gain and loss
- Track how your investments are doing against what you put in.
One safe place for the records your family would need
Bank accounts, investments, loans and policies in a vault, with a plan for emergencies.
- Vault
- Keep bank accounts, investments, loans and insurance policies together, with alerts before a policy expires.
- Emergency contacts
- Choose trusted people who get your financial details if you have been inactive for a month.
- App lock
- Open the app with Face ID, Touch ID or your fingerprint.
- Hide balances
- Mask amounts on screen with one tap.
- Google Drive backup
- Back up to your own Google Drive account.
- Works offline
- Add entries without a connection. They wait in a queue and sync when you are back online.
- Your data, any time
- Export everything you have stored.
Shared money without the awkward conversations
Split costs with friends, share a book with family, and teach children how money works.
- Groups and split
- Add shared expenses, see who owes whom, record payments and settle up.
- Shared books
- Invite people to a book as a viewer or an editor.
- Family and kids
- Give children their own space with goals and entries, under your control.
- Financial coach
- Invite an advisor you trust and choose what they can see. They cannot edit your data or move money, and you can revoke access at any time.
- Family and kids reports
- See how the household balances out and how children's savings are growing.
Goa trip
Sample group: 3 people, 14 shared expenses
- Ashagets back ₹1,850
- Raviowes ₹1,200
- Meenaowes ₹650
To settle up
Ravi pays Asha ₹1,200
Meena pays Asha ₹650
Small habits that change what you save
Build routines, notice how you feel about money, and get a nudge from your own spending.
- AI habit coach
- Habit challenges suggested from patterns in your spending.
- Financial habits
- Track routines with streaks and suggestions.
- Financial mood
- Log how you feel with notes and tags, and look back on a calendar.
- Mood and spending
- See whether how you feel and how you spend move together.
- Rewards
- Earn seeds, levels, streaks and badges for sticking with it.
This week
Sample habits
12
day streak
- Log every expense6/7
- Cook at home on weekdays3/5
- Move savings before spending4/4
Reports that explain themselves
These charts are parts of the app, drawn here with sample numbers. Hover over one, or use the arrow keys, to read the values. Drag the slider at the end to try the what-if simulator.
Cash flow
Income against spending, month by month, so a slow leak shows up before it becomes a habit.
Where it went
Spending by category for the month. Hover a slice or a name to isolate it.
- Home and rent38%
- Food21%
- Bills12%
- Shopping11%
- Transport10%
- Other9%
Net worth and forecast
What you own minus what you owe, month by month. The dashed line projects the next three months.
Financial health
One score from your savings, spending and commitments, with the parts that move it.
Budgets
Each category against its limit. Green is fine, amber is close, red is over.
- Groceries₹4,200 of ₹5,000
- Eating out₹3,650 of ₹3,500
- Transport₹2,100 of ₹4,000
- Shopping₹5,800 of ₹6,000
- Entertainment₹900 of ₹2,000
Goals
How far along each goal is, from the entries you have linked to it.
Spending heatmap
Which days of the week cost the most, over eight weeks. Weekends usually stand out.
What if you spent less?
Pick a category, trim it, and see what the change adds up to over a year.
- Saved each month
- ₹0
- Saved in a year
- ₹0
Your records stay in your hands
Money records are personal, and some of them matter most to the people you leave them for. These are the controls the app gives you.
- Encrypted records
- Account numbers and policy numbers in your vault are stored encrypted.
- App lock
- Face ID, Touch ID or your fingerprint opens the app, and balances can be hidden with one tap.
- You decide who sees what
- Share a book as a viewer or an editor. A financial coach sees only what you choose, cannot edit your data or move money, and loses access when you say so.
- A plan for emergencies
- Trusted contacts get your financial details only after a month of inactivity, and only if you set it up.
- Your own backup
- Back up to your Google Drive account, and export everything whenever you like.
From the first entry to the full picture
- Step 1
Set up your books
Create an account for yourself, your family or a business, then add books to keep each kind of money apart.
- Step 2
Add what you earn and spend
Use quick add, say it aloud, set up recurring entries, or import a CSV file from the tool you used before.
- Step 3
Set limits and goals
Give categories a budget, give goals a date, and add bill reminders so nothing is paid late.
- Step 4
Read the picture
Scores, forecasts and reports build themselves from your entries. Share a book or invite a coach when you want a second pair of eyes.
Free calculators, no sign-up
Work out an EMI, a SIP, a PPF maturity or your retirement number right here in the browser. The app has 16 calculators in all.
See all calculatorsUse the app in your language
- English
- हिन्दी
- বাংলা
- తెలుగు
- मराठी
- தமிழ்
- ગુજરાતી
- ಕನ್ನಡ
- മലയാളം
- EMI calculatorMonthly payment for a home, car, personal or business loan.
- Investment calculatorReturns, ROI, CAGR and SIP growth.
- FD and RD calculatorMaturity value of a fixed or recurring deposit.
- PPF calculatorMaturity amount and interest on your Public Provident Fund.
- NPS calculatorPlan National Pension System contributions.
- Retirement calculatorHow much to save each month for retirement.
- Loan prepayment calculatorInterest saved by paying a loan off early.
- Inflation calculatorWhat today's money is worth in the future.
- Emergency fund calculatorHow much to keep aside for emergencies.
- Net worth calculatorAssets minus liabilities, in one number.
- Budget plannerA monthly plan from your income and commitments.
Start with this month's entries
Add what you spend this week and FinBuddy AI will start showing you where it goes.
Questions? Write to us
Tell us what you need help with and a person at FinBuddy AI will reply by email.