FinFolio

Karthikeyan P

About this app

FinFolio is a privacy-first personal finance app built for Indian investors who want to take control of their financial future — without their data leaving their device.

PLAN WITH GOALS
Set financial goals — retirement corpus, child's education, home purchase, travel — and let FinFolio calculate exactly how much you need to save every month. Track progress against each goal and see whether you're on track, falling behind, or ahead of schedule.

TRACK YOUR PORTFOLIO
Add all your investments in one place — Fixed Deposits, Recurring Deposits, Mutual Funds, ETFs, Stocks, EPF/PF, NPS, ULIP, Gold, and more. Log monthly snapshots and watch your XIRR, CAGR, and absolute gains computed automatically. See your Fixed vs Equity allocation at a glance.

MAP INVESTMENTS TO GOALS
Link your investments to specific goals with custom allocation percentages. One investment can partially fund multiple goals. FinFolio shows you exactly how much of each goal is already covered by your current portfolio.

PLAN YOUR RETIREMENT
Use the built-in retirement corpus calculator to estimate how much you'll need at retirement, adjusted for inflation. Convert the result directly into a trackable goal with one tap.

CALCULATE CAPITAL GAINS TAX
Import your Zerodha tradebook and holdings to compute LTCG and STCG locally on your device. Filter by financial year (April–March), see lot-level detail, get tax harvesting suggestions, and export a CSV summary for filing.

YOUR DATA NEVER LEAVES YOUR DEVICE
FinFolio is built privacy-first. All your financial data is stored locally as an encrypted SQLite database. Nothing is sent to any server. Back up to Google Drive or any app of your choice whenever you want.

DESIGNED FOR INDIAN INVESTORS
Built with Indian asset classes, Indian tax rules (LTCG ₹1.25L exemption, STCG 20%), and Indian financial planning in mind.

FEATURES AT A GLANCE
- Goals with SIP calculator and progress tracking
- Portfolio tracking across 10+ asset types
- XIRR and CAGR computed from your snapshot history
- Fixed vs Equity allocation with age-based guidance
- Retirement corpus calculator
- Zerodha LTCG/STCG capital gains calculator
- Financial year filter for tax filing
- Tax loss harvesting suggestions
- Local backup and restore
- Dark and light theme
- No account required. No ads. No subscriptions.

What’s new

Track your investments, insurance, and tax planning — all offline and private.

- Portfolio tracker with XIRR/CAGR performance
- Goal-based investing with coverage tracking
- Insurance tracker for term and health policies
- Income Tax Calculator — old vs new regime comparison
- SGB, Real Estate, Savings Account support
- Capital gains (LTCG/STCG) calculator with Zerodha import
- Retirement corpus planner
- No account needed — all data stays on your device