Financo: accounts tracker app

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

Financo is a privacy-first personal finance app and net worth tracker: account balances, subscriptions, free trials, and money you've lent or borrowed, all in one clean ledger.

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.

- 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
• 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. Watch your net worth update automatically.

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