Private personal finance, built for India

Know what's due.
Know what's left.

FinInOne brings every EMI, insurance premium, SIP, bill and udhar into one calm dashboard — and reminds you before anything is late. Your numbers stay on your phone.

Get early access See it in action
  • Works offline
  • No bank login or SMS access
  • English · हिन्दी · ગુજરાતી
Sample data — your own numbers appear as you add them.
  • Stored on your phoneNo cloud account, no server holding your finances.
  • AES-256 encryptedPasswords and backups use AES-256-GCM.
  • Offline-firstTracking and reminders work without internet.
  • No ads. No selling data.There is nothing to sell — we never receive it.

The problem

Your money is scattered.
Your due dates shouldn't be.

An EMI here, a premium there, a friend who owes you, a subscription you forgot. One missed date can cost late fees, a lapsed policy or a dent in your credit score.

Dates hide everywhere

SMS, emails, diaries, calendar entries. You only find out something was due when the fee shows up.

Five apps, no full picture

Banking, mutual funds, insurance, notes, a spreadsheet. None of them can tell you what's actually left this month.

Apps that want your data

Bank logins, SMS permissions, cloud accounts. Your most private numbers shouldn't leave your phone to be useful.

FinInOne puts it all in one place — and keeps it yours.

Everything in one place

Everything you owe, own and plan

Seventeen connected tools, one dashboard. Add something once and it shows up wherever it matters — the timeline, the budget, the reminders.

A Home that tells you what's next

Every EMI, premium, SIP, bill, renewal, udhar date, card payment and reminder in the next 30 days — overdue first, soonest next. Tap any item to open it.

Know what's really left

Income minus spending minus your fixed commitments — EMIs, SIPs, premiums, subscriptions. One honest number, plus a 6-month income-vs-spending chart.

Loans & EMIs

Outstanding balance, what you've paid, next EMI — and a prepayment calculator to see the interest you'd save.

Insurance

Premiums, renewals and expiry alerts for life, health, term, car and bike — with cover measured against your income.

Investments

SIPs, mutual funds, FDs, PPF, NPS, NSC, KVP, stocks, gold and crypto — returns, SIP calendar and maturity dates.

Expenses & budgets

Add a spend in seconds, set category budgets, browse any month and see where the money went.

Bills & subscriptions

Full payment history for every bill, overdue alerts, and a nudge for subscriptions you never use.

Udhar book

Who owes you, whom you owe, part-repayments and due dates — with a polite nudge message ready to send.

Net worth

Assets against liabilities, with a monthly trend so you can watch the number climb.

Cards & banks

Credit-card due-day reminders so you never pay interest by accident. Only the last 4 digits are ever stored.

Document vault

Policies, agreements and IDs in one place, behind their own lock.

Password manager

Logins encrypted with AES-256-GCM, with a strong-password generator.

Reminders

Birthdays, licence and PUC renewals, tasks — one-off or repeating monthly and yearly.

See it work

One entry. Everywhere it matters.

Add a loan once. It appears on your timeline, reminds you before it's due, and counts against what's left this month. Try the screens below.

Up next9 items

    Interactive preview with sample data.

    1. 1Add your home loanAmount, EMI, due day. Takes a minute.
    2. 2It joins Up nextShows on the timeline with the days left.
    3. 3You're reminded3 days before, 1 day before, and on the day.
    4. 4Your budget adjustsThe EMI counts in what's left this month.

    Getting started

    Ready in three easy steps

    1. 1

      Look around first

      FinInOne opens with realistic sample data, dated from today, so you can see every screen working before you type a single number.

    2. 2

      Reset and make it yours

      One tap on Reset all sample data clears it. Then add your loans, policies, bills and cards — most take under a minute.

    3. 3

      Stay ahead, quietly

      Reminders arrive before things are due, with quiet hours so nothing buzzes at midnight. Choose exactly which ones you want.

    Made for India

    Built for how India actually manages money

    Not a Western app with a rupee sign bolted on. The things you really track are already here.

    • ₹ in lakh & crore
    • EMIs
    • PPF
    • NPS
    • NSC
    • KVP
    • Sovereign Gold Bonds
    • FDs
    • SIPs
    • Udhar
    • UPI · Cash · Card
    • Credit-card due days
    • PUC & licence renewals
    Left this month ₹27,140
    Income₹1.93 L
    Spent₹62.3 K
    Commitments₹1.04 L

    Every screen, reminder and chart is fully translated — switch any time from the top of Home.

    Privacy & security

    Private by design, not by promise

    The safest place for your finances is somewhere nobody else can reach. FinInOne keeps everything on your phone and asks for nothing it doesn't need.

    On-device, always

    No account server. No bank connection. No SMS or contacts access. Only the last 4 digits of a card or account number are ever kept.

    Passwords, properly encrypted

    Saved logins use AES-256-GCM with a key that lives in your phone's secure keystore — not in the app, not in a file.

    Locks that mean it

    App PIN and biometrics, plus a separate lock for the document vault. Wrong PINs are throttled.

    Encrypted backups you can keep anywhere

    Export a single .finbackup file, protected with a password only you know (AES-256-GCM, key derived with PBKDF2-SHA256). Store it on Drive, OneDrive, a USB stick — restore it on any phone. A wrong password reveals nothing.

    Forget the password and the file can't be opened. That's the point: we can't open it either.

    1. Create a backup password
    2. Everything is encrypted on your phone
    3. FinInOne_Backup_2026-09-21.finbackup
    4. Enter the password to restore
    • 17connected tools in one app
    • 30 daysof everything due, looked ahead
    • 3languages: English, हिन्दी, ગુજરાતી
    • 0bank logins or SMS permissions needed

    Why FinInOne

    A spreadsheet or another expense app?

    Both are fine at one thing. Neither reminds you about your EMI, tracks a PPF and keeps your data private at the same time.

    Feature FinInOne Spreadsheet Typical expense app
    Reminders before EMIs, premiums & billsYesManualPartial
    PPF, NPS, NSC, KVP, gold bondsYesDIYRare
    Udhar & part-repaymentsYesDIYRare
    Works fully offlineYesYesVaries
    Data stays on your phoneYesDependsOften cloud
    Encrypted backup, your passwordYesDIYVaries
    Hindi & GujaratiYesNoRare

    General comparison of common approaches, not of any specific product.

    Questions

    Answers before you ask

    Where is my data stored?

    On your phone, in the app's own storage. FinInOne has no account server, so there's no cloud copy of your finances for anyone — including us — to access.

    Does it connect to my bank or read my SMS?

    No. You add your own loans, policies, bills and expenses, which is exactly why nothing sensitive has to leave your phone. Only the last 4 digits of a card or account number are stored — never the full number, CVV or PIN.

    Will it remind me before things are due?

    Yes. EMIs, insurance premiums and expiry, SIPs, subscriptions, bills (including overdue ones), credit-card due days and your own reminders can all notify you — by default 3 days before, 1 day before and on the day. You choose which ones, and set quiet hours.

    Does it work offline?

    Yes. Tracking, charts and reminders all run on your phone with no internet connection.

    What happens if I change phones?

    Create an encrypted .finbackup file with a password of your choice, save it anywhere you like, and restore it on the new phone. If you forget the password the file can't be opened, and we can't reset it. Your vault's document files stay on the phone for now; the backup includes their list.

    Why does the app open with sample data?

    So you can see how everything works before adding your own. A banner at the top of Home offers Reset all sample data whenever you're ready, and you can reload the sample from Settings at any time.

    Which languages are supported?

    English, हिन्दी and ગુજરાતી. Switch any time with the chips at the top of Home or in Settings.

    Is it free? Is it financial advice?

    We'll share pricing before launch — join the early-access list to hear first. And no, FinInOne is a tracking tool: the health score and ratios are guides to help you notice things, not financial, tax or investment advice.

    Early access

    Stop chasing due dates.
    Start ahead of them.

    Join the early-access list and be first to download FinInOne. One email when it's ready — no spam, no data sold.

    We'll only use it to tell you when the app is ready.