Finance Manager — Free Personal Finance App for India
Finance Manager is a free personal finance app for tracking bank accounts, cash, wallets,
credit cards, and investments in one place. Log income and expenses, set monthly budgets,
create savings goals, and split bills with friends — installable on any device as a PWA.
Features
- Every account in one place — Bank, cash, wallet, credit card, and investment accounts grouped with multi-currency support.
- Income, expense & transfers — Log a transaction in two taps. Split bills with people and keep a running tally automatically.
- Budgets that nudge gently — Monthly budgets per category with rollover. See where you stand at a glance.
- Goals with progress — Vacation fund, emergency cushion, down payment — every contribution gets you closer, visibly.
- People & splits — Track who owes you and whom you owe without awkward follow-ups.
- Reports & analytics — Spending trends, category breakdowns, and net worth history.
Why Finance Manager?
- Private by default — JWT-secured API, your data on your server. No ads, no third-party trackers.
- Installable PWA — Add to your home screen on iOS or Android. Same experience on phone, tablet, and laptop.
- Multi-currency — Track accounts in any currency with live FX conversion to your base currency (INR).
- Works offline — Your last view is cached so you're never staring at a spinner.
- Splits & shared tabs — Lend, borrow, share a cab — the math stays right.
How to use Finance Manager
- Add your accounts — Bank, cash, wallet, card: enter the opening balance and you're done. Group accounts however you like.
- Log transactions as you go — Two taps on mobile, press N on desktop. Add a category, tags, and splits in the same form.
- Watch it add up — Balances, budgets, goals, and net worth update in real time. No spreadsheets, no reconciling.
Finance Manager vs. the alternatives
vs. Spreadsheets (Google Sheets / Excel)
Spreadsheets require manual formula maintenance, break as data grows, and have no mobile-first interface. Finance Manager updates balances automatically on every entry, offers two-tap mobile logging with offline access, and has built-in person balances so you always know who owes what — no VLOOKUP required.
vs. Paid apps
Paid finance apps charge a monthly or annual subscription and store your data on their servers. Finance Manager is completely free — no trial, no credit card, no subscription — and your data stays on your own server. It is INR-first with Indian number formatting, not retrofitted for India.
vs. Your bank's app
A bank app shows only that one bank, with no spending categories, no budgets, no goal tracking, and no expense splitting. Finance Manager brings all your banks, wallets, credit cards, and cash into one unified view, adds category budgets with rollover, savings goals with progress tracking, and the ability to split any transaction with any person.
About Finance Manager
Finance Manager was built by Akshat Gadodia — a developer who needed one place to see all account balances and track shared expenses with flatmates without maintaining a fragile spreadsheet. The app is free, open, and designed for India. Your data lives on your own server. There are no third-party advertising trackers and no data selling. Finance Manager is a Progressive Web App installable on iOS and Android without any app store download.
Frequently Asked Questions
- What is Finance Manager?
- Finance Manager is a free personal finance Progressive Web App (PWA) that lets you track bank accounts, cash, wallets, credit cards, and investments in one place. Log income and expense transactions, set monthly budgets by category, create savings goals, and split bills with friends — from any browser or installed on your phone.
- Is Finance Manager free?
- Yes — completely free. No subscription plan, no premium tier, and no credit card required to sign up.
- How do I track my daily expenses?
- Open Finance Manager, tap the "+" button (or press N on desktop), choose "Expense", pick a category, enter the amount and description, and tap Save. The transaction is instantly reflected in your account balance, budget, and dashboard.
- How do I set up a monthly budget?
- Go to Budgets, tap "Add budget", choose a category (e.g., Food, Transport, Entertainment), set a monthly spending limit, and optionally enable rollover so unspent amounts carry forward. Finance Manager shows a progress bar for each budget throughout the month.
- How do I set a savings goal?
- Go to Goals, tap "Add goal", give it a name (e.g., Emergency Fund, Vacation, Down Payment), set a target amount and a target date. Each time you record a contribution, the progress bar updates so you can see exactly how close you are.
- How does the expense splitting feature work?
- Add a person to your contacts in the People section, then assign any transaction (or a portion of it) to them when logging it. Finance Manager tracks a running balance for each person — positive means they owe you, negative means you owe them — so you always know exactly who owes what without spreadsheets or mental math.
- How do I track multiple bank accounts?
- Go to Accounts and add each account — savings, current, credit card, cash wallet, or investment. Set the opening balance for each. Finance Manager shows individual balances and a combined net worth that updates automatically as you log transactions.
- What is net worth and how does Finance Manager calculate it?
- Net worth is your total assets minus your total liabilities. Finance Manager calculates it by summing all your account balances — bank accounts, cash, investments (assets) minus outstanding credit card balances and loans (liabilities). All foreign-currency accounts are converted to your base currency (INR by default) using live exchange rates.
- Can I import my bank statement or transactions from a CSV file?
- Yes. Finance Manager supports CSV import so you can bulk-upload transactions from a bank statement export. Go to Transactions, tap Import, upload your CSV file, map the columns (date, description, amount), and review before confirming. This lets you quickly backfill historical data without entering each transaction manually.
- How do I install Finance Manager on my iPhone or Android phone?
- Finance Manager is a Progressive Web App (PWA), so no App Store or Play Store download is needed. On Android, open the site in Chrome and tap "Add to Home Screen" in the browser menu. On iPhone, open the site in Safari, tap the Share button, and choose "Add to Home Screen". The app then behaves like a native app with its own icon.
- What devices and platforms does it support?
- Finance Manager runs in any modern browser on desktop, tablet, and mobile. As a PWA you can add it to your home screen on iOS and Android for a native-app experience — no App Store or Play Store needed.
- Is my financial data private and secure?
- Your data is stored on your own server and accessed via a JWT-secured API. There are no third-party advertising trackers, and your transaction history is never sold, shared, or used for profiling.
- Does Finance Manager work without internet?
- Your most recent accounts and transactions are cached locally, so you can browse your financial overview offline. New entries sync automatically when you come back online.
- What currencies does it support?
- You can create accounts in any currency. Finance Manager fetches live exchange rates and converts all balances to your chosen base currency (default INR) for a unified net worth view.
- What is a budget rollover?
- Budget rollover means any unspent amount from the previous month carries forward to the current month. For example, if your Food budget is ₹5,000 and you spent only ₹3,500, next month's effective budget becomes ₹6,500. This rewards disciplined months without feeling punished for staying under budget.
- Can I use Finance Manager in India?
- Yes — Finance Manager is designed with India in mind. The default currency is INR (Indian Rupee), amounts are formatted in the Indian numbering system (lakhs, crores), and all features work with Indian bank account types. It is completely free with no premium tier.
- How do I get a spending report or see where my money is going?
- Finance Manager provides a Dashboard with monthly income, expense, and savings summaries, a Cash Flow page showing trends over time, and a Categories breakdown so you can see exactly which category is consuming the most. You can also export an Account Statement for any account as a CSV or PDF.