Money that finally talks back.
Link your accounts once. Then just ask: what you spent, what's safe to spend, and whether to sell or borrow.
20L+
transactions Jo has already read and sorted
5,000+
accounts linked through RBI Account Aggregators
4,000+
members building calmer money habits
4.9★
average rating on the App Store
Works with 100+ banks, including
See it. Grow it. Unlock it.
Everything you own in one place, working harder, with cash on tap when life happens.
See it all
Every bank account, card and bill on one live timeline. Link once and it keeps itself up to date.
- Bank accounts
- Credit cards
- Cashflow
- Budgets
- Credit score
- Goals
All accounts · 3 banks, 1 cardsynced
₹2,84,300
In · October
₹82,000Out · October
₹21,400Everything you need to understand your money.
Balances, investments and insights in one calm, reliable place, so you always know what's happening and what to do next.
Track, organise & group
See everything, automatically.
- Live sync from every linked account
- Smart categories by merchant and type
- Custom groups for trips, bills and subscriptions
- Real-time cashflow view
Reminders, budgets & control
Never miss a commitment.
- Auto-detects recurring payments and EMIs
- Adaptive budgets that learn from you
- Split bills straight from a transaction
- Renewal and bill-due reminders
Jo, your AI assistant
A finance brain in your pocket.
- Personal insights and gentle nudges
- Heads-up on expenses before they hit
- Ask anything, get answers in plain words
- Concrete ways to save more
Invest, grow & protect
Turn clarity into confidence.
- Credit score and EMI tracker
- One dashboard for SIPs, stocks and funds
- Insurance renewals and policy tracking
- AI investment ideasComing soon
- Fixed deposits with cashback
Two minutes a day keeps money stress away.
Five quiet habits that run in the background, so you only look when something actually needs you.
Four moments. Zero spreadsheets.
Here's what Finanjo actually does for you between breakfast and bedtime.
9:00 AM
Your brief arrives
Yesterday's payments, sorted, plus today's spendable number.
20-second read1:30 PM
Team lunch
Pay once, tag your colleagues. Finanjo keeps count until they pay you back.
Split in 3 taps6:00 PM
Renewal heads-up
A plan you haven't opened in 60 days renews tomorrow. Jo asks you first.
₹499 kept10:00 PM
Check-in complete
Streak extended, coins collected. Nothing else needs you tonight.
+10 coins
Streaks & coins
Small check-ins. Real rewards.
Open Finanjo once a day to keep your streak alive and stack up coins.
Current streak
12 days
Coins
340
Ask anything.
Choose the tone.
Jo reads only the accounts you link and replies in plain words. Want a pep talk, tough love or just the numbers? Your call.
Jo
Reads your linked accounts · never moves money
Tone: Numbers only · demo playing
Your whole portfolio, minus the spreadsheet.
Bring in funds, stocks, ETFs and FDs from anywhere. Then start a SIP or goal plan without switching apps.
Portfolio · 4 sources
₹6,42,000
▲ +₹18,400 this monthNext SIP: ₹5,000 on the 5th · Goa trip goal 64% done
Goal-based SIP
₹11,61,695
You put in ₹6,00,000 growth. Illustration at an assumed 12% a year; returns are not guaranteed.
Mutual fund investments are subject to market risks. Read all scheme related documents carefully.
Borrow · RBI-registered lending partners
Your funds or your future salary.Borrow against either.
Pledge your mutual funds for a credit line from 9.5% p.a.* with Piramal Finance, they keep growing, or take a personal loan from 13.99% p.a.* with InCred Finance. Up to ₹15 lakh, charges shown upfront.
Find your loan in 10 seconds
What's the money for?
*Indicative starting rates; personal loan EMI shown over 36 months. Mutual fund limit assumes ~45% of fund value, capped at ₹15 lakh. Final terms are set by the lender.
Pledge, don't sell
You pay / month
₹3,958
interest only
Your limit
₹6.8L
covers it
Funds keep growing
from
9.5%*
p.a.
Piramal Finance
Cash, no collateral
EMI / month
₹17,086
for 36 months
You get
₹5L
in your bank
Offer in ~2 minutes
from
13.99%*
p.a.
InCred Finance
Borrowing leaves you about ₹19,320 better off over 2 years.
*Indicative starting rates. Final amount, rate and charges are set by the lender after assessment. Figures are illustrative.
Book FDs. Get paid extra for it.
Compare FD rates across banks, then book inside Finanjo. Your deposit sits with the partner bank or NBFC, not with Finanjo, we help you compare and book.
1%
cashback
on every FD you book through Finanjo
₹1,000
Amazon voucher
extra, on FDs of ₹1,00,000 or more
Rewards are credited as per the promotional terms at the time of booking. FD terms
Read-only by design. Always your call.
Tap a question to see exactly what Finanjo can and can't do with your data.
Finanjo can read, never move.
You hold the keys
Choose what's shared, for how long, and pull consent whenever you like.
Encrypted end to end
256-bit SSL in transit, and a read-only bank link that can never move money.
Regulated rails
Built on the RBI-licensed Account Aggregator framework. Your data is never sold.
Loved by people who finally get their money.
4.9 on the App Store
Finanjo has completely transformed how I manage my money. The real-time cash flow tracking and automatic expense categorization make it so easy to understand where my money goes.
The people behind Finanjo.
A small team making money simple, calm and honest for everyone.
PrithviCEO & Founder
PankajCMO
Aashish SharmaCTO
Bharti BhatiaEngineering Manager
Vikas SinghFounder's Office – Finance & Compliance
Gambhir RathoreBackend Lead Engineer
Kamad SharmaFounding Engineer
HarshFounding Frontend Engineer- ManishProduct Designer
Lakshya RohilaSoftware Developer
Sumit JangirSoftware Developer II
Refer & earn
₹100
for every friend who joins.
Credited to both of you once their account is verified.
- 1
Share your code
- 2
Your friend joins Finanjo
- 3
You both get rewarded
More from Finanjo, all free.
Compare cards and FDs, check gold rates, find lounges, run calculators and learn money, no sign-up needed.
A personal finance app built for India. Track spending, follow your cashflow, invest, borrow and get clear insights, in one secure app. We're a fintech startup headquartered in Jaipur.
One app. Six quiet superpowers.
Yesterday, in one line. Every morning at 9, Jo sends a short report of the day before. Every payment, sorted, with a plain verdict on top.
Free on iPhone and Android. Set up in under two minutes.
Safe to spend today
₹1,915
This month, day by day
Blue: under your daily number. Orange: over.
Split · Dinner, Sunday
₹2,400
₹1,200 back so far. One reminder left to send.
