Finloq is a personal finance manager for tracking accounts, income, expenses, transfers, budgets, goals, recurring payments, and financial insights private finance app.

Finloq is a personal finance manager that helps you track accounts, income, expenses, transfers, budgets, savings goals, recurring payments, and financial insights in one clear place. Manage cash, bank, savings, wallet, credit card, loan, mortgage, and investment accounts, add entries quickly, organize them with categories, payees, notes, dates, recurring settings, and receipt attachments, then review your money through balances, calendar history, charts, backups, and optional Wi-Fi access from a computer browser.

Finloq keeps your financial picture clear:

• Net worth across assets and liabilities
• Account balances for cash, banks, cards, loans, and investments
• Income, expense, transfer, and cash-flow summaries
• Calendar view with daily transaction markers
• History with search, sorting, filtering, edit, delete, and undo
• Statistics with charts, category breakdowns, payee breakdowns, and annual summaries
• Budgets with progress tracking and alerts
• Savings goals with progress tracking
• Quick templates for repeated entries
• Auto transfers for recurring account transfers such as EMI, SIP, or scheduled savings
• Double-entry ledger support with DR/CR entries
• Smart insights, financial health score, balance forecast, unusual spending detection, spending pace, and subscription detection
• Receipt capture from camera or photo library with on-device text recognition
• Backup and restore with .flqbackup files
• CSV export
• PC Manager over local Wi-Fi for viewing finances in a browser
• Passcode protection
• Custom app icons, theme, font size, and colors

Key Features:

Home Dashboard: View net worth, period summaries, quick entry templates, 6-month trend charts, smart insights, financial health, balance forecast, and recent transactions.

Quick Entry: Add income, expenses, and transfers with amount, category, account, destination account, payee, notes, date/time, recurring options, receipt attachment, and balance warnings.

Accounts: Manage bank, savings, credit card, debit card, UPI/wallet, cash, investment, digital wallet, loan, and mortgage accounts with assets, liabilities, net worth, and transaction history.

History: Review transactions by grouped dates, search by payee, note, category, account, and details, sort newest or oldest, filter by type and currency, edit/delete entries, and undo deletes.

Calendar: View monthly income, expense, and transfer markers, select a date to filter entries, review daily activity, and add entries from a selected valid date.

Statistics: Compare income, expenses, transfers, and balance across daily, weekly, monthly, and yearly views with charts, category breakdowns, payee breakdowns, and annual summaries.

Budgets & Goals: Create weekly, monthly, or yearly budgets, track spending progress, set alerts, enable carry-over, and manage savings goals with target and saved amounts.

Smart Analytics: See insights based on your actual transaction data, including financial health, balance forecast, spending pace, subscriptions, and unusual spending alerts.

Backup, Restore & Export: Create full app backups, restore .flqbackup files, export CSV data, and keep backup files clearly named with date and time.

PC Manager: Start a local Wi-Fi server on your iPhone to view transactions, accounts, charts, and summaries from a browser on the same Wi-Fi network.

Privacy & Security: Finloq stores your financial data locally on your device. The app does not use third-party analytics, ads, tracking, IDFA, external cloud servers, or external account login. Camera/photo access is used only for receipts, local network only for PC Manager, and notifications only for reminders and budget alerts.

*Disclaimer - Finloq is a personal finance tracking tool. It does not provide banking, lending, tax, investment, legal, or financial advice.