Financo: Net Worth Tracker

Financo is a private net worth tracker for your bank accounts, cash, cards and investments, with subscription reminders, free trial alerts, savings goals and a loan & IOU tracker. No bank linking, no ads, works offline.

Your money is yours, your data should be as well.

Most money manager apps chase transactions. Financo shows where your money is today — record what each account holds whenever it changes, and your net worth, history and trends build themselves.

No bank linking. No transaction imports. No budgeting complexity.

Features:

- Net Worth Tracker
• Automatic total net worth
• Net worth history and trend
• Track financial growth over time

- Account Balance Tracker
• Bank accounts
• Savings
• Cash
• Salary accounts
• Credit cards
• Investments
• Digital wallets
• Custom accounts

- Subscription Tracker & Renewal Reminders
• Netflix, Spotify, iCloud, ChatGPT, or any recurring bill
• Monthly and yearly plans, with the real cost per month
• See everything renewing in the next 14 days
• Renewal reminders before money leaves your account
• Big charges warn you earlier
• Pause subscriptions you are not using

- Free Trial Reminders
• Save a trial end date, Financo counts down
• Reminders arrive with time left to cancel
• Flag trials that will not auto-renew
• Never pay for a trial you forgot

- Personal Loan & IOU Tracker
• Lent to friends, borrowed from family
• Personal loans, shared expenses, IOUs
• Person, amount, date, due date, notes
• Outstanding balance and repayment history

Record full or partial repayments. Overdue loans are flagged automatically. Link a loan to an account and repayments update it. Settled loans collapse away.

- Savings Goals
• Emergency fund, trip, new phone, anything
• Target amount and target month
• See how much to save each month to stay on pace
• Link a goal to the account it lives in
• Log contributions and watch progress fill up

- Financial Insights
• Monthly cash flow
• Net worth trend
• Account performance
• Balance history

- Balance Log Reminders
• Nudges to keep balances fresh
• Daily, every few days, weekly, or off

Balances, subscriptions and loans each get their own ledger in the Money tab.

Privacy First: Your financial data stays yours.

Financo:
• Never connects to your bank
• Never reads SMS
• Never scans notifications
• Never tracks spending automatically
• Never shares your data
• No ads, no analytics

Offline First: stored on your device, works with no internet.

Signing in is optional and only enables encrypted cloud backup with your own Google account. Export everything to a JSON backup anytime and import it on any device — never locked in.

Supports currencies worldwide — Indian Rupee (₹), US Dollar ($), Euro (€), British Pound (£), and more, with lakh and crore formatting for India.

Perfect For
• Personal finance and bookkeeping
• Net worth and wealth tracking
• Subscription and bill tracking
• Saving towards goals
• Loan tracking and debt management
• Students, freelancers, families

How It Works:

1. Create your accounts.
2. Record balances whenever they change.
3. Add subscriptions and free trials.
4. Log loans and repayments.
5. Set savings goals.
6. Watch your net worth update automatically.

Download Financo — a simple, private, offline-first ledger for account balances, net worth, subscriptions, free trials, savings goals and personal loans.

Recent changes:
-26.9.6
Introducing money goals