Finanjo is a personal finance management (PFM) app designed specifically for Indian users. It enables you to track expenses, monitor cash flow, and gain clear insights into your finances, all within a single app. We are a fintech startup headquartered in Jaipur, India, committed to making money management transparent, secure, and straightforward. Our mission is to empower individuals to take control of their financial lives, supported by tools built to the highest standards of privacy, security, and regulatory compliance.

What do i need to get started on the app?

You only need your mobile number to get started. For financial data linking, authentication will take place exclusively through RBI-regulated Account Aggregators (AAs), ensuring complete security and compliance.

How are you connecting to my bank account and accessing my financial data?

We have partnered with RBI-licensed Account Aggregators, such as Finvu and Anumati, to enable secure financial data sharing. Account Aggregators are regulated entities authorised by the Reserve Bank of India to allow users to share their financial information safely and only with their consent. This may include data from bank accounts, investments, and other financial products.

What are Account Aggregators, and can I trust them with my data?

Account Aggregators (AAs) are licensed and regulated entities approved by the Reserve Bank of India (RBI) under its data-sharing framework. Their role is to enable you to securely share your financial data (such as bank accounts, and more) with apps like ours, but only with your explicit consent. Importantly, AAs cannot see, store, or sell your data. They act purely as a secure technology channel, using end-to-end encryption to transfer information safely. This framework has been designed by the Government of India and RBI to give individuals full control and transparency over their financial information, while ensuring the highest standards of privacy and security.

What will my financial data be used for?

Your data will be used solely to deliver the services within the app, such as expense tracking, cash flow analysis, and personalised financial insights. We do not sell, store, or share your data with any third party, except as strictly required to provide the app’s services in line with RBI-AA regulations.

Is my financial data safe?

Yes, your financial data is completely safe with us. Protecting it is our top priority. We use the same AES-256 encryption standard that banks and governments rely on, and every bit of information is transmitted securely over SSL/TLS connections so it cannot be intercepted. We only connect through RBI-licensed Account Aggregators, which means your data moves strictly with your consent. We will never sell your personal or financial information to anyone. Most importantly, you stay in full control — you choose which accounts to link, and you can revoke access at any time. Your trust is at the heart of what we do, and security is built into every part of the product.

Finanjo is a personal finance management (PFM) app designed specifically for Indian users. It enables you to track expenses, monitor cash flow, and gain clear insights into your finances, all within a single app. We are a fintech startup headquartered in Jaipur, India, committed to making money management transparent, secure, and straightforward. Our mission is to empower individuals to take control of their financial lives, supported by tools built to the highest standards of privacy, security, and regulatory compliance.

What do i need to get started on the app?

You only need your mobile number to get started. For financial data linking, authentication will take place exclusively through RBI-regulated Account Aggregators (AAs), ensuring complete security and compliance.

How are you connecting to my bank account and accessing my financial data?

We have partnered with RBI-licensed Account Aggregators, such as Finvu and Anumati, to enable secure financial data sharing. Account Aggregators are regulated entities authorised by the Reserve Bank of India to allow users to share their financial information safely and only with their consent. This may include data from bank accounts, investments, and other financial products.

What are Account Aggregators, and can I trust them with my data?

Account Aggregators (AAs) are licensed and regulated entities approved by the Reserve Bank of India (RBI) under its data-sharing framework. Their role is to enable you to securely share your financial data (such as bank accounts, and more) with apps like ours, but only with your explicit consent. Importantly, AAs cannot see, store, or sell your data. They act purely as a secure technology channel, using end-to-end encryption to transfer information safely. This framework has been designed by the Government of India and RBI to give individuals full control and transparency over their financial information, while ensuring the highest standards of privacy and security.

What will my financial data be used for?

Your data will be used solely to deliver the services within the app, such as expense tracking, cash flow analysis, and personalised financial insights. We do not sell, store, or share your data with any third party, except as strictly required to provide the app’s services in line with RBI-AA regulations.

Is my financial data safe?

Yes, your financial data is completely safe with us. Protecting it is our top priority. We use the same AES-256 encryption standard that banks and governments rely on, and every bit of information is transmitted securely over SSL/TLS connections so it cannot be intercepted. We only connect through RBI-licensed Account Aggregators, which means your data moves strictly with your consent. We will never sell your personal or financial information to anyone. Most importantly, you stay in full control — you choose which accounts to link, and you can revoke access at any time. Your trust is at the heart of what we do, and security is built into every part of the product.

10k+ Trusted Users

Your Money.Finally MakesSense.

Finanjo brings together everything about your money - spending, saving, budgeting, and beyond in one smart ecosystem.

Finanjo brings together everything about your money - spending, saving, budgeting, and beyond in one smart ecosystem.

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Unlock the Power of Finanjo

Experience smart financial management with AI-powered insights, automated tracking, and personalized recommendations to help you take control of your money.

Track, Organize & Group

See everything. Automatically.

This month+12%

₹1,24,000 tracked

287 transactions organized

Live transaction sync from all linked accounts
Smart categorization by merchant and type
Custom grouping for trips, bills, subscriptions, etc.
Real-time cash flow visibility

Reminders, Budgets & Control

Stay on top of every commitment.

Upcoming₹1,268 total

3 renewals this week

Netflix, Spotify, Amazon Prime

Auto-detect recurring payments & EMIs
Smart, adaptive budgets powered by AI
Split bills directly from transactions
Renewal and payment reminders

Finanjo AI Assistant

Your personal finance brain.

AI Insight+78%

Dining spend high this week

₹3,200 vs usual ₹1,800

Personalized money insights & nudges
Predictive alerts for upcoming expenses
Q&A-style assistance for quick answers
Actionable recommendations to save more

Invest, Grow & Build Wealth

Turn clarity into confidence.

Portfolio+8.2%

₹4,32,000 total value

Credit Score: 782 · Excellent

Credit score & EMI tracker
Unified investment dashboard for SIPs, stocks & funds
Insurance renewals & policy management
AI-driven investment suggestions (coming soon)

Live Now

What's Live

Start managing money smarter - right now.

Unified Transactions & Smart Grouping

See what you have. Know what you can spend.

Finanjo brings your balance, bills, and spending into one clear view. Pocket Power shows what’s safe to spend after commitments. Your spending is organised and visualised automatically, so you always know where your money flows.

Know what’s actually available to spend

Clear daily and monthly spending limits

Spending is automatically organized into simple categories

Easy-to-read cash flow charts

See spending patterns across days, months, and years

All Banks Connected • Auto-Categorized

Where all your money comes together

Your money shouldn’t live in five different apps. Finanjo brings every transaction from every account into one powerful feed. One timeline. Total clarity.

All your spends in one clean timeline

Auto-updated transactions across banks and cards

Clear merchant names you instantly recognise

Smart categorisation without manual tagging

Find anything fast with simple search and filters

₹12,400 Available • 100% Auto-Tracked • Smart Splits

Subscriptions Manager

Stop losing money to forgotten subscriptions.

Finanjo automatically detects your active subscriptions from your transactions and starts tracking them instantly. Know exactly how much you’re spending every month, get reminded before money is deducted, and cancel what you don’t need. No surprises. No silent leaks.

Automatic detection of subscriptions from your transactions

See your total monthly subscription spend at a glance

Reminders 3 days before money gets deducted

Easy cancellation assistance to help you stop unwanted charges

Mark any transaction as a subscription and track it instantly

Manually add subscriptions you pay outside your bank

All Banks Connected • Auto-Categorized

Goal Based Investing

Save With Purpose

Pick a goal. Set the timeline. Start investing monthly. Your money is allocated to suitable options, and you can track exactly how close you are. No random saving. Just structured progress.

Create goals for anything that matters to you

Set a target amount and timeline in minutes

Start a monthly SIP aligned to your goal

Invest in stable options suited for your timeframe

Track your progress in real time

Adjust your plan as your income grows

Coming Soon

What's Next

Building the future of personal finance.

Finanjo AI Copilot:

The AI that knows your money

Talk or type. Ask anything. Finanjo AI Copilot understands your complete financial picture including income, spending, savings, investments, and commitments. It gives guidance tailored to your real numbers, not generic advice. Clear answers. Smarter decisions.

Why it matters:

Understands your money in totality

Provides insights grounded in your actual data

Recommends smarter moves across saving and investing

Monitors your cash flow and financial discipline

Flags risks early and uncovers opportunities

Always available via voice or text

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Refer & Earn Together

Share Finanjo with friends and both of you get rewarded. It's a win-win!

Share Your Referral Code

Invite friends to Finanjo using your unique referral code.

Friend Joins & Uses Finanjo

Your friend signs up, completes account setup, and makes their first successful split or saving.

Both Get Rewarded

You and your friend earn rewards — up to ₹100 per referral, credited after successful verification.

Safe, Private & Regulated.

Your financial data deserves the highest level of protection. That's why we've built Finanjo with enterprise-grade security and regulatory compliance at its core.

Control in Your Hands

From access to usage, every part of your data journey stays in your control.

Safety at the Core

Bank-grade 256-bit SSL encryption ensures your data is always secure.

Built on Trust

Loved by Users

See what our community is saying about their experience

Got Questions?

Frequently Asked Questions

Everything you need to know about Finanjo. Can't find what you're looking for? Contact our support team.

10k+ Trusted Users