Every month, money disappears... 🤔
It's time to know where!
expenseOS is more than just an expense tracker. It is an AI-first personal finance platform powered by Finie, your personal CFO.
Track → Understand → Predict your money in a simple human language!
No card/ bank details required · Privacy-first
Based on your 47 transactions last month, here's the breakdown:
Want me to find where you can save ₹2,000/month? →
The Universal Pain
Most expense tracker apps fail because they put the WORK on you.
"A tracker without AI is outdated!"
You have your expenses tracked, but there is no AI in it. Without the AI, the expenses are just red and green graphs in your app.
"Why do I always have NO money?"
You always wonder why it's so difficult to buy a wishlisted item. You never have an idea where your money is going.
"I don't want to check my balance."
The anxiety of seeing negative balance is just overwhelming. And there is NO stop signal which stops you before going -ve .
expenseOS is built for people who have real money anxiety. Not for people who have so much money that they don't even care.
This is Finie.
Your personal CFO, 24/7.
Finie isn't a chatbot you have to feed data into. Finie already knows your accounts, transactions, budgets, and goals. It answers questions in plain human language.
Things you can ask Finie:
Finie is reliable.
"Based on your last 3 months..." Finie always cites the data
behind every claim.
No hallucinations.
Choose Finie's personality
Coach Finie
Motivational, celebrates your wins, pushes you toward your goals. Best for people building new money habits.
Analyst Finie
Data-driven, precise, no fluff. Gives you the numbers and lets you decide. Best for high-income optimizers.
Buddy Finie
Casual, empathetic, non-judgmental. Best for people who feel stressed or anxious about money.
You can change Finie's personality anytime in settings.
More than just an expense tracker!
expenseOS is a full personal finance operating system and has everything built-in to help you understand your money. Finie talks to your accounts, budgets, and goals — then plans what happens next.
Ask Finie in plain English
You talk like a human: “How much did I spend on fuel this month?” Finie queries (text-to-SQL) your real ledgers and cites the numbers.
Predict your financial future
Get warned by Finie before a disaster, not after it happens. Machine-learning forecasts, What-if simulations, goal & FIRE planners — all grounded from your real history!
Budgets that actually adapt
Finie analyses your spending history and suggests realistic budget limits per category. Not arbitrary ₹5,000 limits that you blow in week one.
Anomaly alerts in real time
Finie flags unusual spending before you even notice it. Duplicate charges, spending spikes, subscription creep, and much more.
Goals you'll actually reach
Set a savings goal, and Finie calculates your required monthly savings, tracks your progress, and cheers you on with every milestone.
Family finance, simplified
Invite your partner or family members. Shared budgets, individual privacy, one household view. Finally know the full financial picture.
Up and running under 2 minutes
No complicated setup. Finie guides you through everything in a short, natural conversation.
Sign up in 60 seconds
Email and name. Done. No bank credentials, no credit card, no lengthy forms. You're in.
Finie sets you up
Finie asks you quick questions and populates your dashboard with a personalized budget plan.
Your first insight arrives
Even before your first transaction, Finie surfaces your first personalized financial insight.
Simple, honest pricing
Start completely free. Upgrade only when you're ready to unlock more.
Free
₹0
Forever free
Get started free- ✓ Up to 5 financial accounts
- ✓ Up to 5 savings goals
- ✓ 5 Finie AI queries per day
- ✓ Expense tracking & budgets
- ✓ Predictive analytics
- ✓ Anomaly detection
- ✓ Goal completion outlook
- ✓ Finie insights and reminders
Pro
₹299/mo
₹2,999/yr — save 2 months
Start 7 Day Free Trial- ✓ Everything in Free
- ✓ Unlimited accounts & goals
- ✓ 6× Finie AI queries per day
- ✓ Weekly digest
- ✓ What-if Scenarios & Goal Planners
- ✓ Adaptive budget suggestions
- ✓ Receipt camera scan (OCR)
- ✓ Finie Insights Hub
- ✓ Finance news & updates
Pro Family
₹499 /mo
₹4,999/yr — save 2 months
Start 7 Day Free Trial- ✓ Everything in Pro
- ✓ Up to 5 family members
- ✓ Shared household budgets
- ✓ Shared savings goals
- ✓ Per-member privacy controls
- ✓ Family AI insights
💡 Need more details about expenseOS? Read our full documentation →
Frequently asked questions
Straight answers before you sign up.
- What is an AI expense tracker?
- An AI expense tracker records your spending and uses AI to summarise patterns, answer questions, and nudge you before budgets slip. expenseOS adds Finie, an AI that already knows your finances and works like a personal CFO. Read What is expenseOS → .
- How is Finie different from the charts in other tracker apps?
- Charts show what "happened". Finie predicts before it "happens". Finie answers questions even before you ask, warns before a bill may fail, and plans way ahead. Start with Meet Finie → or Ask Finie →.
- Does expenseOS read my bank SMS?
- No. You log spends manually in seconds via a shortcut template, or import CSV, or scan a receipt. It does not parse bank SMS or log into UPI apps. This is for user security and maximum accuracy. Read Accurate & consistent logging →.
- Do I need to connect my bank?
- No. expenseOS does not ask for net-banking login or OTP.
- Is expenseOS free?
- Yes. There is a generous free-forever plan with Finie chat, expense tracking, predictive analytics, anomaly detection, and budgets. Pro starts at ₹299/month with a 7-day trial. Compare pricing or plans in the docs →.
- Is there an Android app?
- Yes. You can sideload the signed APK from this site footer. A Google Play listing is on the way.
Stop wondering where your money leaks.
Join people who finally understand their money. Finie is waiting...
Get started for freeNo credit card required. Cancel anytime. Your data stays yours.