FinT: Track & Plan Finance

FinT is a private expense and investment tracker, budget planner, and net worth tracker that helps you understand where your money goes — without handing your data to anyone else.
Every transaction, budget, and account lives in an encrypted database on your own phone — there's no cloud sync, no ads, and no analytics tracking your usage.

FREE FOR 30 DAYS
Every feature below (and more) is available for a full 30 days from your first launch — the only restriction is importing a backup or setup file (upgrade to FinT Pro [check Play Store for the paid app] for that). You can export your data at any time, including after the 30 days, so switching to FinT Pro is a simple export-then-import.

KEY FEATURES

Track everything, automatically categorized
- Log income, expenses, and investments across UPI, cards, net banking, cash, and credit cards
- Automatic recurring transactions and auto-pay subscriptions (EMIs, bills, subscriptions)
- Split any transaction's cost across household members

Investment Tracker, built in
- Track stocks, mutual funds, FD/RD/PPF/NSC, and property in one place, each with live value growth
- Gold & Silver tracking with live daily rate fetch and karat-aware pricing (India-aware, optional)
- Import your CDSL/NSDL Consolidated Account Statement (CAS) and reconcile holdings automatically
- Allocation breakdown across every asset class, with photo attachments for physical assets

See the full picture
- Dashboard with net worth, account balances, and upcoming transactions at a glance
- Grid View: an interactive spreadsheet-style grid with running totals and forward projection
- Financial Health score covering debt-to-income, savings rate, and emergency fund coverage
- Goals tracker with required-monthly estimates, plus a FIRE/retirement planning calculator
- Personalized financial suggestions — idle cash, diversification nudges, goal funding plans
- Calendar view surfaces upcoming and overdue payments before they're missed

A family budget planner, built for households, not just individuals
- Multiple family members, each with their own transactions, rolled up into one household view
- Shared accounts and lending/borrowing tracked between members without double-counting
- Budget, Loan, and Kids' Savings tools, with rollover budgets and spending rules (Needs/Wants/Savings)
- Live sync between devices on the same network, password-protected
- Cross-household money transfers when money moves between two tracked households

Document Tracker
- Keep every household document organized and attached to the right person or asset

Import what you already have
- Import bank statements (20+ Indian & global bank formats) and reconcile them against existing entries
- Export a full backup at any time — importing a backup requires FinT Pro (both encrypted and unencrypted)

Your data stays yours
- All data is stored locally in an encrypted SQLite database — nothing leaves your device
- Encrypted, password-protected backups, scheduled or manual, saved to a folder you choose
- PIN lock for the app and for Hidden Transactions
- No ads, no third-party analytics, no data selling

Make it yours
- Dark Mode, 7 App Color themes, adjustable font size, and a home-screen widget for quick-add
- Hide the tiles you don't use — Budget, Loan, Kids' Savings, Investment, Suggestions, Document

FinT is a personal finance and money management app for people who want a clear, honest picture of their finances without trusting a company with the details.