FinanceOSFOS
Now on Android — budget, split & save

All your money,
beautifully organized.

Built to split bills

Budgets that tell you what's safe to spend today, group expenses, business khata, savings goals and an AI finance assistant — together in one stunning app. Stop juggling spreadsheets and start growing.

See it in action →
🔒 Bank-grade security
🌍 Multi-currency
🤖 AI insights
₹
₹
Good evening 👋
Alex
TOTAL BALANCE
₹ 48,250
+₹12.4kYou're owed
-₹3.1kYou owe
🍕
Goa Trip · DinnerSplit with 4 friends
-₹620
📒
Khata · Sharma StorePayment received
+₹1,500
🎯
Goal · New Laptop72% funded
₹54k
🪙
Daily streak bonus+5 coins earned
+5
Settled up ✅
₹2,400 cleared
AI Insight 🤖
Save ₹3k on food
💸 Split Expenses📒 Business Khata🎯 Savings Goals🤖 AI Assistant📊 Analytics🪙 Coins & Rewards🧾 Invoices🔔 Reminders🌍 Multi-currency 💸 Split Expenses📒 Business Khata🎯 Savings Goals🤖 AI Assistant📊 Analytics🪙 Coins & Rewards🧾 Invoices🔔 Reminders🌍 Multi-currency
A peek inside

Built for real life

Hover any screen to bring it to life. Every flow is crafted to be fast, clear and genuinely beautiful.

Split with groups

Settle up without
the awkward math.

Create a group for any trip or flat, add expenses, and split equally or however you like. Balances simplify automatically.

✓ Equal, exact, %, or share splits
✓ Simplified debts & one-tap settle
✓ Invite friends with in-app requests
Goa Trip 🏖️
AMR+2
YOU ARE OWED
₹ 2,400
RECENT
🏨
Beach resortYou paid · split 5
+₹4.8k
🍽️
Seafood dinnerMaya paid
-₹620
🛺
Scooter rentalSplit equally
-₹300
Business khata

Your shop's ledger,
finally digital.

Track every customer's credit and payments, raise invoices, and send polite reminders. Know exactly who owes what.

✓ Credit / debit ledger per customer
✓ Invoices, aging & collection reports
✓ Automated payment reminders
Sharma Store 🏪
BALANCE DUE
₹ 8,500
LEDGER
📦
Goods supplied12 May
+₹6,000
💵
Cash received14 May
-₹2,500
🧾
Invoice #1042Sent · reminder set
₹8.5k
AI & analytics

Insights that
actually save money.

Beautiful charts reveal where your money goes, and the AI assistant suggests exactly where to cut back — in plain language.

✓ Spending trends & category heatmaps
✓ AI cashflow forecasts & advice
✓ Export to PDF or CSV anytime
Insights 📊
SPENT THIS MONTH
₹ 21,340
LAST 7 MONTHS
TOP CATEGORIES
🍕 Food 32%🛒 Groceries 21%🚕 Travel 18%🎬 Fun 11%
0-in-1
Apps replaced
<0s
To add an expense
0%
Real-time sync
0+
Currencies
Everything in one app

Features that just work

From splitting a dinner bill to running your shop's ledger — FinanceOS replaces five apps with one.

👥

Split Group Expenses

Groups for trips, flatmates or office. Split equally or custom, and settle up with simplified debts in a tap.

📒

Business Khata

Track customers, credits & payments, generate invoices, send reminders, view aging reports.

🎯

Budgets & Daily Limit

Set a cap per category and see exactly what's safe to spend today. We'll warn you at 70%, 90% and when it's gone.

🐷

Savings Goals

Automate deposits, round up spare change, build an emergency fund.

🤖

AI Assistant

Chat with your money. Insights & advice in plain language.

📊

Rich Analytics

Charts, heatmaps & trends. Export to PDF or CSV.

🔥

Streaks & Coins

Log every day to build a streak and earn escalating coin rewards. Miss a day? A streak freeze has your back.

⚡

Quick Entries

Save your regulars — morning chai, the daily commute — and log them in one tap.

💚

Health Score

One number out of 100 each week, so you can see progress at a glance.

📲

Home Screen Widget

This month's spend and today's safe-to-spend right on your home screen — with a shortcut straight into add-expense.

🎁

Invite & Earn

Share your code. You both get coins when your friend logs their first entry.

Why FinanceOS

Effortless to use,
gorgeous to look at.

Every screen is crafted for clarity and speed. Real-time sync keeps your groups and ledgers up to date across all your devices.

✓
Real-time everything
Live balances, instant group updates, push notifications.
✓
Private & secure
PIN & biometric lock, session control, encrypted storage.
✓
Works your way
Multi-currency, light & dark themes, offline-friendly.
5-in-1
Apps replaced
⚡ Live
Sync engine
🔒 256
Bit security
7+
Currencies
💜 “Finally an app that handles both my trips with friends and my shop's khata.”
Get started in minutes

Three steps to financial calm

No setup headaches. Sign up and you're tracking in under a minute.

01

Create your account

Quick sign-up with a simple human check — no waiting on emails. You're in instantly.

02

Set a budget or add a group

Cap a category to see what's safe to spend each day, invite friends to a group, or add customers to your ledger.

03

Track, split & grow

Log expenses, settle balances, hit savings goals, and let AI surface ways to save more.

Loved by users

People are switching over

Friends, flatmates and shop owners — all running their money on FinanceOS.

★★★★★

“Our Goa trip had 6 people and zero arguments about money. The settle-up just works.”

A
Aditya R.Splits with friends
★★★★★

“I run my kirana store on the khata feature now. Reminders got my pending payments down fast.”

S
Sunita M.Shop owner
★★★★★

“The AI told me I was overspending on food and it was right. Saved ₹3k the very next month.”

K
Karan P.Personal finance
Questions

Good to know

Is FinanceOS free?
Yes — the core app is free to start with no credit card. You can optionally earn coins and unlock boosts for heavier usage.
Can I use it for both personal and business?
Absolutely. Split expenses with friends, track personal budgets & savings, and run a full business khata with invoices — all in one app.
How do I add friends to a group?
Open a group, tap “Add member”, and send an in-app join request to anyone with a FinanceOS account. They accept right inside the app — no email needed.
Is my data secure?
Your data is protected with encrypted storage, optional PIN & biometric lock, and full session control so you can sign out other devices anytime.
Which currencies are supported?
FinanceOS supports multiple currencies including INR, USD, EUR, GBP, AED and SGD, with more on the way.
Which devices does it run on?
FinanceOS is an Android app, and includes a home screen widget for Android. An iPhone version isn't available yet.
How do budgets work?
Set a monthly, weekly or yearly cap on any category. FinanceOS divides what's left across the days remaining, so you always know what's safe to spend today — and it nudges you at 70%, 90% and when the budget is spent.
What are coins and streaks for?
Logging on consecutive days builds a streak that pays escalating coin rewards, and you can earn more by watching an optional ad or inviting a friend. Coins unlock extras like higher daily entry limits, bonus AI questions, and a streak freeze that protects your run if you miss a day.
Will it nag me with notifications?
Only if you want it to. Every reminder — the evening log nudge, streak alerts, budget warnings, the weekly review and group digests — has its own switch, and you choose the hour they arrive.

Ready to take control
of your money?

Download FinanceOS for Android and turn financial chaos into clarity — for free.

See features
Free to start • No credit card • Available now