AI suggestions for everyday money in ₹
Track income, bills, debts, savings and goals in one place — and let AI suggest how to split every rupee. Ditch the spreadsheets.
Start for freeAt a glance
AI plan readyTotal money
₹2,48,920
HDFC ₹1,12,345 · SBI ₹84,105 · Savings ₹52,470
Debts left
₹3,12,000
Home loan · car loan
Goals reached
1 of 3
Europe trip 68% there
Budget vs spending
₹41,250 of ₹55,000
75% used this month
Income vs spending — last 6 months
Suggested split of ₹85,000 salary
Recent activity
The problem
Record salary once with ‘repeats monthly’. Bank balances update from what goes in and out.
Monthly, quarterly or yearly payments with payoff dates and interest left.
Set limits per category and see what’s spent and what’s left.
Link savings to goals and watch progress as money moves.
Upload CSV, Excel or PDF statements instead of typing every payment.
‘Groceries is 90% used’ and upcoming due dates, right in the bell.
How it works
Setup complete
32%
Monthly budget planned
12%
Features
Suggests how to divide each income across bills, EMIs, savings and goals. You approve every step.
See bills on a calendar, month-end summaries and budget vs actual charts.
Move money from a bank account into savings, goals and debts in one go.
Private by design
Only you can see your records.
You stay in control
Nothing is applied without your OK.
No bank access
We never touch your real money.
Free to start. Takes about 5 minutes to set up.
Log in or sign upFincency provides AI-generated suggestions for information purposes only and is not financial advice.