FinioPrivacyThe appWhat’s insideOpen app

Your money, on your device.

Finio is a rupee ledger that never asks for your bank login, an account, or your data. Everything you record stays on your phone, and it works offline from the first tap.

Open FinioInstall the app

Free. No sign-up. Try it with sample data first.

Stays on your deviceNo account behind itZero tracking

Built like a banknote. Checked the same way.

Thread: it stays on your phone

Every account, transaction and budget lives in your browser’s storage. Switch off the internet and nothing changes.

Watermark: no account behind it

There is no sign-up and no login. Accounts, budgets, loans, goals and reports all work without one.

Microprint: nothing in the fine print

No analytics, no telemetry, no third-party scripts. Cloud backup is optional, and can be encrypted with a passphrase only you know.

This is the app, not a mock-up.

Real screens, captured from Finio running on its built-in sample data. Light or dark, on a phone or a desktop.

The Finio dashboard on desktopThe Finio dashboard on desktop
Accounts, each printed as its own noteAccounts, each printed as its own note
Budgets with progress and what is leftBudgets with progress and what is left
Adding an expense on the number padAdding an expense on the number pad

Every account type is printed as its own note.

Bank accounts, cards, cash, wallets, FDs and RDs each keep the colour of the rupee note they resemble, so you know which is which before you read the name.

Bank account₹100 note
Savings₹500 note
Credit card₹2000 note
FD or RD₹200 note
Cash₹10 note
Wallet₹50 note
Investment₹20 note

Everything a monthly review needs.

Made for Indian money: rupees, UPI, EMIs, FD and RD, and salary cycles that start on the 25th.

Budgets that roll overWeekly, monthly or yearly, by category or label, with what you overspent carried forward.
Recurring and EMIsRent, salary and subscriptions file themselves. Loans post their EMI every month.
FD and RD growthAccrued value computed from the actual terms, matured automatically into the linked account.
Forecast and net worthSee where cash will stand at month end, and your net worth trend over the year.
Goals, and money lentTrack savings goals and who owes whom, without touching real balances until you settle up.
SMS and statementsShare a payment SMS to Finio, or import a bank statement CSV. Rules categorise as you go.

Open it. There’s nothing to sign up for.

Start on the sample data or your own accounts. Install it when you’re ready, and it opens like any other app.

Open Finio
  1. Android: menu → Add to Home screen → Install
  2. iPhone: Share → Add to Home Screen
  3. Desktop: the install icon in Chrome or Edge’s address bar