FinCircle
Track. Split. Save. Grow.
FinCircle is a personal finance app built on one idea: every movement of money should be understandable, traceable, and connected to the account it moved from or to. Personal accounts, budgets, goals and shared group expenses — in one place, on your phone or in your browser.
Free to use • Premium ₹29 / year • Sign in with Google or email and password • iOS coming soon
Money In is not Income. Money Out is not Expense.
A transfer between your own accounts, a refund, a loan drawdown and a group settlement are all real movements of money — but none of them are income or spending. Most apps report them as such, and your numbers stop meaning anything. FinCircle keeps them apart, so a budget is a budget and a report is the truth.
A complete picture of your money
Five workspaces — Dashboard, Money, Groups, Insights and Profile — covering everything from a single cash payment to a twelve-person trip.
Multiple accounts
Bank accounts, wallets, cash, credit cards and savings — each with its own balance, history and dashboard. Every transaction belongs to an account.
Money In / Money Out
Income, refunds, transfers in, settlements received, loans — and their outgoing counterparts — each recorded as what it actually is.
Categories that fit you
A sensible default set out of the box, and your own categories with icons and colours whenever the defaults do not match your life.
Budgets that warn early
Monthly or custom budgets per category, with alerts as you approach the limit — not a message after you have already crossed it.
Savings goals
Set a target and a date, contribute from any account, and watch progress. Contributions move money — they do not vanish from your books.
Transfers done right
One entry, two accounts, both balances correct — and nothing added to your income or your spending totals.
Reports & analytics
Weekly, monthly, quarterly and custom periods. Category breakdowns, trends, account-wise flow and comparisons over time.
Reminders that matter
Bill reminders, subscription renewals, budget alerts, group activity and settlement requests — with recurring financial tasks.
Works offline
Add and edit while you are on a plane or underground. FinCircle keeps a local store and syncs to the cloud when the network returns.
Shared expenses, settled without an argument
Trips, flatmates, office outings, couples, teams. Create a group, add an expense, and FinCircle works out who owes whom — then reduces it to the smallest number of payments that clears every balance.
- Four ways to split: equally, by exact amount, by percentage, or by shares.
- Smart debt optimisation collapses a tangle of balances into the fewest transfers.
- Invite by contact, email or link — members join a group they were actually invited to.
- Settle up with a UPI handoff: FinCircle prepares the payment and opens your UPI app.
- Group activity stays in your own history, so shared spending never disappears from your personal books.
- Balances are calculated on the server, so every member sees the same number.
Goa trip · 4 members
Simplified settlement
Fewer taps, fewer mistakes
Quick Add from the dashboard, shortcuts for the things you record most, home-screen widgets, and duplicate detection so the same payment is never counted twice.
Ask about your own money
“Where did my money go this month?” · “Can I afford this?” · “How do I hit my savings goal?” — answered from your figures, not generic advice.
Less typing. More knowing.
The largest source of error in a finance app is a transaction that never got entered. FinCircle reduces the typing and checks its own work.
- Smart transaction detection reads a bank or UPI alert and prepares an entry for you to confirm — where the feature is available and only after you switch it on.
- Nothing is recorded behind your back. A detected transaction waits for your confirmation before it touches your books.
- Duplicate detection compares amount, time, account and reference before anything is saved twice.
- An AI assistant for spending insights, budget suggestions and savings coaching — 5 questions a month on Free, 20 on Premium.
- Premium AI adds a financial health score, monthly summaries, trend analysis and group-expense analysis.
Your money data is yours
FinCircle never holds, moves or collects your money. It is a record of it — and the record is protected accordingly.
App lock
A PIN and biometric unlock on supported devices, with a lockout after repeated wrong attempts.
Server-enforced rules
Group balances, settlements and your subscription tier are written by the server, never trusted from a client.
Minimal AI context
The AI assistant receives aggregated figures — never your raw transaction history.
Delete means delete
Delete your account from inside the app and your records go from the device and the server.
Read the full Privacy Policy and Terms & Conditions.
Four steps to a clear picture
Sign in
Continue with Google, or register with an email address and a password. Your verified email is your identity across the app.
Add your accounts
Bank, wallet, cash, card. Enter each opening balance once, and every entry after that keeps it correct.
Record money moving
Money In, Money Out, a transfer, or a shared group expense — in a few taps from anywhere in the app.
Watch it come together
Budgets, goals, group balances and reports update as you go, on every device you sign in on.
Free to use. ₹29 a year for everything.
That is twenty-nine rupees for a whole year — less than a cup of coffee, billed once.
Free
- Unlimited accounts and transactions
- Money In / Money Out and transfers
- Budgets and savings goals
- Groups, with a limited group count
- Reports and spending insights
- 5 AI questions a month
- Ad-supported
Premium
- Everything in Free
- Unlimited groups and members
- Completely ad-free
- 20 AI questions a month
- Financial health score
- Group AI analysis and monthly AI summaries
- Advanced analytics and report export
- Premium themes
Frequently asked
Can I use FinCircle without installing anything?
Yes. Sign in at fincircle.app/app in any modern browser, with Google or with your email address and password. It is the same account and the same data as the Android app — sign in on both and everything syncs.
Is there an iPhone or iPad app?
Not yet — FinCircle is coming soon for Apple mobile devices. In the meantime the web app runs in Safari on an iPhone or iPad and can be added to your home screen.
Does FinCircle connect to my bank?
No. FinCircle never asks for your net-banking credentials and never links to your bank account. You record what you want recorded, and where the smart detector is switched on it prepares an entry from a transaction alert for you to confirm.
Does FinCircle move money between people?
No. FinCircle records who owes whom and prepares a payment for your UPI app to complete. The money moves through your bank and your UPI app, never through FinCircle.
What happens to a group if someone leaves?
Nothing disappears. Expenses that a departing member was part of stay in the group's history, and outstanding balances remain visible until they are settled.
How is Premium billed?
Premium is ₹29 per year, purchased inside the app. It applies to your FinCircle account, so it follows you to every device you sign in on.
Can I get my data out?
Yes. Premium includes report export; an export is created on your device and shared only where you send it. You can also delete your account and all its records from inside the app at any time.
Do I need an internet connection?
Only to sync. FinCircle keeps a local store on your device, so you can record money moving while offline; it syncs when you are back online.
Talk to us
Questions about the app, a bug, a billing problem, or a privacy request — the same people who build FinCircle answer the mail.
Modipuram, Meerut (UP)
Pin 250110, India
Start with one account and one entry
Sign in with Google or an email address, add the account you spend from, and record the next thing you pay for. The picture builds itself from there.