Finscious

For Indian households

Your household's month, handled.

Every payment covered. No surprises. Nobody carrying it in their head.

Your bank balance cannot tell you whether the whole month works. Finscious reads your bank messages, counts your cards and cash, and keeps every payment that is due on one calendar, so you can see the month before it happens.

With loveMade in India, made for India!
See how it works

Available now on Google Play.

Imagine the 2nd of the month.

Your salary landed yesterday. The bank app shows ₹1,12,000. It feels like a good month.

Then the month happens. The home-loan EMI takes ₹34,000. Rent is ₹19,000. Two insurance premiums renew this week, the school term fee is due, and four subscriptions you had forgotten renew themselves. Last December's festival spending is still on the credit card at 42% a year.

After everything already promised, the amount that is genuinely yours to spend this month is closer to ₹8,000. Nothing on your phone tells you that, so on the 4th, looking at ₹1,12,000, you say yes to the weekend trip.

This is not carelessness. Every one of those payments was real, but they lived in one person's head, so the screen looked bigger than the month: a decision made against money that was already spent.

You are not the only one.

  • India's net household financial savings have roughly halved as a share of GDP over the past decade.
    RBI / national accounts
  • More than 100 million credit cards are in use, alongside billions of dollars in buy-now-pay-later debt.
    industry data
  • Around 77% of a typical household's wealth sits in property and gold; only about 5% is in financial assets you can reach quickly.
    household-finance research
  • In the latest official survey, real consumption growth for urban households was essentially zero once inflation is counted.
    MoSPI HCES 2023-24

Finscious gives a busy household the peace of knowing the month is covered, the confidence to say yes or no to a spend today, and the relief of not carrying every due date in one person's head.

Most households are not careless with money. They have more payments than one person can hold in their head: EMIs, cards, school fees, insurance, subscriptions, online orders, parents to support. When every payment is in one place and every due date has a reminder, the month stops being a surprise.

WHAT FINSCIOUS DOES TODAY

Three promises, kept every day.

  • Every payment covered

    "I know what is due, and when."

    Coming up puts every commitment on one calendar. Larger payments are reminded 10, 5 and 1 days ahead, every payment on its due day, and an overdue one is chased the next morning.

  • No surprises

    "I can say yes or no to a spend today."

    Today shows what is left to spend, what you have spent and what is safe to spend today, and starts fresh at midnight.

  • Nobody carrying it in their head

    "It files itself."

    Bank messages are read and sorted, you can speak a payment in Hindi, Marathi or English, and cards, pay later and cash are counted.

How your month becomes one clear picture

Your bank messages, cards, cash and due dates, in one month.

  1. Your bank messages

    Read on your phone and sorted into the right category by themselves.

  2. What you say or type

    Speak a payment in Hindi, Marathi or English from the home-screen button, and it saves itself.

  3. Your cards, pay later and cash

    A card swipe counts the day you make it, and paying the bill never counts it twice. An ATM withdrawal is recorded as cash by itself.

  4. Everything that is due

    EMIs, card bills, school fees, insurance, subscriptions: all on one calendar, with reminders before each one is due.

One view of the month

Today shows what is safe to spend. Coming up shows what is due.

Know what you can safely spend today.

See how it works

Your money. Your data. Your control.

  • Your money data stays on your phone, in an encrypted database.
  • The text of your bank messages never leaves your phone, and Finscious has no server that stores your financial data.
  • When a bank message needs AI to file it, only the merchant's name and the amount are sent, never account digits or balance. A payment you speak is sent as sound to be turned into words, and is not kept (Finscious's AI service on Google Cloud: Gemini in Mumbai, speech to text in the United States).
  • No advertising identifiers, no third-party analytics, no contacts, no location. From version 1.6.4, one daily activity signal, never anything about your money.
  • Delete all your data from Settings, any time.
Visit the Trust Centre

See whether your whole month works.

Set it up once. Finscious reads your bank messages and keeps every payment in view.

Coming later

Statement import, and family mode: up to four people on one shared pool, end-to-end encrypted.

See what is next →