Personal finance app for budgets, savings, loans and net worth
See your complete financial picture,
without connecting your bank.
Finox Personal tracks spending, budgets, savings, loans and net worth in one place, in 38 currencies. You enter the numbers. Finox never asks for a bank login.
Everything you need to manage your money — nothing you don't.
Why Finox doesn't connect to your bank
Your money deserves privacy — not permanent bank access. Finox keeps you in control.
Spend 20 seconds entering a transaction. Gain complete control over your financial life.
Your money's business is nobody else's.
Privacy and security aren't add-ons — they're how Finox is built.
No bank connection, ever
Finox never asks for bank logins. Your credentials never touch our servers.
Passwords are hashed
We store passwords with bcrypt — never in plain text, not even to us.
Encrypted in transit
All traffic is served over HTTPS, on secure infrastructure that’s never publicly exposed.
Delete anytime
Erase your account in one click — every record is removed immediately.
Your data is yours
Export your reports to CSV whenever you want. No lock-in.
Your money is scattered across a dozen places.
Your budget lives in a spreadsheet
Every month you rebuild the same formulas instead of actually understanding your money.
Five apps that don't talk to each other
Budget in one, loans in another, savings somewhere else. No single source of truth.
You forgot the EMI. Again.
Loan due dates and DPS installments slip through the cracks — and the late fees add up.
You can't answer 'what am I worth?'
Assets here, debts there. Your real net worth stays a mystery you never actually calculate.
Your FDRs and investments are invisible
Money locked in deposits and investments you barely track, let alone plan around.
Payday to broke, every month
The salary lands, then vanishes. You've stopped asking where it went.
Everything your money needs.
More than an expense tracker — here's what you actually get.
Know where every dollar goes
You overspend because you find out too late.
Monthly and custom-period budgets with per-category limits and live spent-vs-remaining — auto-renewing each month, with alerts before you cross the line.
Every account, one balance
Cash, bank, mobile wallets, and cards — all scattered.
One view of every balance, with your net worth updating automatically.
Watch your savings actually grow
Goals with no system quietly get abandoned.
Traditional goals and recurring deposit plans (DPS) with progress tracking and maturity dates.
Never lose track of a deposit
A fixed deposit matures and you miss the date — and the interest.
Fixed deposits (FDR) with principal, interest, payout schedule, and maturity alerts, all auto-calculated.
Never miss another EMI
Informal debts and bank loans, forgotten until they’re overdue.
EMI schedules, due-date reminders, and payoff progress right on your dashboard.
Set it once, never re-enter it
The same rent, salary, or subscription, typed in by hand every time.
Recurring transactions remind you the moment a bill or income is due — one tap confirms it and updates your balance.
Plan the purchase before you make it
You buy on impulse, then wonder where the money went.
Jot down what you want to buy with an estimated price — turn it into a real transaction, with the actual price, the moment you buy it.
Understand your whole picture
Numbers everywhere, insight nowhere.
9 report types turn your data into confidence — cash flow, net worth, spending, and more.
Most people know how much they earn. Very few know where they actually stand financially.
Stop tracking transactions. Start tracking wealth.
Finox adds up every account, deposit, and investment — minus every debt and loan — so you always know exactly where you stand.
Assets − Liabilities = your real net worth, updated automatically.
Know your net worth →Explore every part of your financial life.
One dashboard. Every financial decision.
Your financial command center
Income, expenses, net worth, and upcoming EMI and DPS reminders — the moment you log in.
More than an expense tracker.
Here's the difference at a glance.
| Capability | Finox | Spreadsheet | Expense app |
|---|---|---|---|
| Budgets | Included | Included | Included |
| Net worth | Included | Not included | Some |
| FDR tracking | Included | Not included | Rare |
| DPS schemes | Included | Not included | Not included |
| Loans & EMIs | Included | Not included | Limited |
| Investments | Included | Not included | Limited |
| Reports | Included | Limited | Included |
| Recurring transactions | Included | Not included | Included |
| Everything in one place | Included | Not included | Not included |
Built for how you actually live.
Whoever you are, Finox fits your money.
Salaried employees
Know where the salary goes before it’s gone.
Freelancers
Irregular income, budgets, and taxes — finally organized.
Families
One shared picture of the household’s money.
Students
Build money habits early, without a spreadsheet.
Investors
Track FDRs, deposits, and net worth in one place.
Business owners
Keep personal cash flow separate and clear.
Set up in five minutes. No bank login, no import.
Create your account
Sign up free — no credit card needed. 14 days on us.
Set up your finances
Add your accounts and balances and set your budgets — about five minutes, no bank login or import needed.
Take control
Watch your dashboard come alive with insights that actually make sense.
Simple, honest pricing.
One plan. Every feature. No tiers, no upsells.
Launch pricing until 31 December 2026
- Every feature unlocked
- Unlimited accounts & wallets
- Budgets, deposits (DPS/FDR), loans & investments
- All 9 report types + exports
- Automatic net worth tracking
- Priority support
- Every feature unlocked
- Unlimited accounts & wallets
- Budgets, deposits (DPS/FDR), loans & investments
- All 9 report types + exports
- Automatic net worth tracking
- Priority support
The trial is the full product — every feature unlocked. No credit card, cancel in one click, export your reports anytime.
Prices exclude applicable taxes. Final price including any VAT or local sales tax will be shown at checkout.
Card payments are securely processed by Paddle, with any local taxes shown before you confirm.
Frequently asked questions
Anyone who wants one place for their whole financial life — salaried employees, freelancers, families, students, and investors. If you earn, spend, save, borrow, or invest, Finox is built for you. It goes well beyond simple expense tracking.
There are no formulas to maintain, and everything is connected. Your budgets, debts, deposits, and net worth update together automatically — and Finox reminds you about EMIs, DPS installments, and FDR maturity dates, which a spreadsheet never will.
It starts with expense tracking — then goes far beyond it. Budgets, savings goals, recurring deposit plans (DPS), fixed deposits (FDR), informal debts, formal loans, investments, and your net worth all live in one dashboard.
No — Finox never asks for your bank login. You add what matters in seconds, and nothing syncs without you. That keeps your data private and lets Finox work with any bank, wallet, or cash account, anywhere in the world.
Yes — all data is encrypted in transit and at rest. We never sell or share your data with third parties, and because there is no bank connection, your credentials never touch our servers.
Yes — export any of your reports to CSV, PDF, or image anytime. Your data belongs to you, not us.
No — your 14-day free trial starts instantly with just your email, and every feature is unlocked from day one.
Choose a plan to continue. Your data is preserved for 30 days if you decide not to subscribe.
Yes — cancel with one click from settings. No questions asked.
38 currencies are supported across Asia, Middle East, Europe, Americas, Oceania, and Africa. Asia: BDT, INR, PKR, LKR, JPY, CNY, KRW, SGD, MYR, IDR, PHP, THB, VND, HKD, TWD. Middle East: AED, SAR, KWD, QAR. Europe: EUR, GBP, CHF, SEK, NOK, DKK, TRY, PLN. Americas: USD, CAD, MXN, BRL, ARS. Oceania: AUD, NZD. Africa: ZAR, NGN, KES, GHS. You can set your preferred currency in settings.
Finox is fully responsive and works in any mobile browser — add it to your home screen for one-tap access. A native app is on our roadmap.
The prices shown are exclusive of taxes. Depending on your country, VAT or local sales tax may be added at checkout. Taxes are fully managed by our payment partner on our behalf. The exact amount will be clearly shown before you confirm your payment — no surprises.
Why Finox exists
Most people's money is spread across a spreadsheet, a budgeting app, deposit slips and loan reminders. We built Finox to put all of it in one picture, without ever asking for a bank login.
Stop guessing. Start knowing.
In five minutes you'll see your complete financial picture — what you earn, owe, save, and own. The clarity you've been missing is one click away.
Full access · No credit card · Cancel anytime