Beautifully
One intelligent place for your spending, savings, loans, goals and financial future.
Everything you track, finally in one view.
Accounts, EMIs, budgets and the ₹10,000 a friend still owes you. Sam keeps it all current, so money questions take seconds instead of a spreadsheet.
See where every rupee goes.
Income against spending by day, week or month, from the transactions you record.
Every EMI, counted down.
Who owes whom.
Goals with a monthly number.
Budgets that warn early.
Every account, one balance.
Banks, cash, cards and wallets, added by name and balance. No logins, no screen-scraping.
Clear breakdowns, plain numbers.
Last 30 days by category, with the share of each.
Numbers you can check, not guesses.
Sam, your personal assistant inside Finance Book, explains your money in plain language. Every figure is calculated in code from what you’ve recorded, then labelled so you always know what’s a fact and what’s an estimate.
- From your records onlySam never invents a transaction, a balance or a person.
- Deterministic mathsEMIs, savings rates and goal plans are computed to the paisa and shown line by line.
- Labelled, not oversoldEstimates are marked as estimates. Finance Book is a money tool, not an adviser.
EMIs, without the spreadsheet.
Add a loan once. Sam builds the full amortisation schedule, records each payment and shows exactly how much principal and interest are left.
- Schedules to the paisaReducing-balance or flat-rate, with interest and principal split every month.
- Credit card EMIs alongside loansOne place for every monthly obligation.
- Every due date in viewUpcoming EMIs and repayments sit at the top of your dashboard.
| # | Interest | Principal | Balance |
|---|---|---|---|
| 16 | ₹677 | ₹7,733 | ₹64,531 |
| 17 | ₹605 | ₹7,805 | ₹56,725 |
| 18 | ₹532 | ₹7,879 | ₹48,847 |
| 19 | ₹458 | ₹7,952 | ₹40,894 |
| 20 | ₹383 | ₹8,027 | ₹32,867 |
Private by design.
Your financial life deserves the same care a bank gives it, with none of the access a bank would ask for.
No bank credentials
Finance Book never asks for net-banking passwords, card PINs or OTPs. Accounts are added by name and balance.
Isolated by default
Row-level security means your records are readable only by you, enforced in the database itself.
No ads, no data sales
Your data is used to serve you. It is never sold, rented or shared with advertisers.
Yours to take
Download a full CSV or JSON backup whenever you like, and delete your account in a single step.
Made for the phone in your pocket.
Log an expense in two taps from the bottom bar. Bottom sheets, large touch targets and a layout designed for one hand, not a shrunken desktop.
- Two-tap entryThe amount comes first, with categories one tap away.
- Light and darkFollows your system, or set it yourself.
- Accessible throughoutKeyboard, screen reader and reduced-motion support.
Your money, finally in one calm place.
Create your account with Google or email. Free to start, no card required.