FincencyAI-powered personal finance · in ₹
Master your money,
powered by AI.
Fincency tracks your income, bills and debts, then uses AI to suggest the perfect monthly split — so you save more for what matters.
Total household balance
₹2,84,500
Income vs spending — last 6 months
AI suggestion
Split this month's ₹85,000 salary: ₹32,000 bills, ₹18,000 home loan EMI, ₹15,000 emergency fund.
Upcoming bills
Goal progress
Europe trip — 68% there
Core capabilities
Fincency puts your money
on autopilot
Stop juggling spreadsheets. Bank accounts, bills, debts and goals come together in one dashboard built for Indian households.
AI income splitter
Get precise suggestions on how to divide every paycheck between bills, EMIs, savings and goals — you approve every step.
Debt & EMI tracker
Monthly, quarterly or yearly payments with payoff dates and interest left. See your path to being debt-free.
Budget plan & alerts
Set limits per category and get told when 'Groceries is 90% used' — before you overspend.
Statement import
Upload CSV, Excel or PDF bank statements. Balances and history update without typing every payment.
Budget used
75%
Saved this month
+₹15,000
Above your target
Spending by category
This month
Bills & rent
Groceries
Travel
How it works
Three steps to a clear money plan
From scattered notes to total control in about 5 minutes.
Add your accounts
Add your bank accounts and the income that comes into them. Salary can repeat monthly on its own.
Set your plan
Enter your bills, debts, goals and monthly budget limits — takes about 5 minutes.
Get AI suggestions
The AI suggests how to split each income. You review it, then press 'OK, go ahead'.
Everything included
Built for real households
to manage everyday money
Incomes & bank balances
Record salary once with 'repeats monthly'. Bank balances update from what goes in and out.
Goals & savings
Link savings to goals and watch progress as money moves. Withdraw back to a bank anytime.
Calendar & reports
See bills on a calendar, month-end summaries and budget vs actual charts.
Pay yourself first
Move money from a bank account into savings, goals and debts in one go.
Alerts & reminders
Budget warnings and upcoming due dates, right in the bell.
Private by design
Only you can see your records. We never connect to or touch your real money.
Private by design
Only you can see your records.
You stay in control
Nothing is applied without your OK.
No bank access
We never touch your real money.
100%
Free to use, no trial limits
0
Bank logins required — ever
5 min
From sign-up to your first plan
Questions, answered
Everything you need to know before starting.
No. Fincency is an organiser for information purposes only. All splits and plans are AI-generated suggestions that may be wrong. Please consult a qualified professional before making financial decisions.
Ready to master your money?
Free to start. Takes about 5 minutes to set up your first plan.
Get started nowFincency provides AI-generated suggestions for information purposes only and is not financial advice.