FINNER answers a question rarely answered by financial tracking apps: how many days can I use today?
Bills, installments, sinking funds, and savings goals are deducted first — the remainder is the truly safe allocation. It works like a financial planning spreadsheet used by thousands of people, but without the formulas to maintain.
COMPLETELY OFFLINE
Data is stored only on your phone. No accounts, no logins, no servers. Backup and restore anytime via files — you own the data.
RECORD IN SECONDS
• Large keypad with calculator (+ - × ÷) directly on the form
• Indonesian voice recording: "lunch fifty thousand"
• Daily income and expenditure recap in the transaction list
• Free date range summary: select two dates and see the total
KNOW WHERE IT GOES
• Annual recap: 12-month graph, tap any date for details
• Hierarchical breakdown: Spending → category → transaction list
• Per category per month, expandable sections for neatness
PLAN, NOT JUST RECORD
• Budget by category with automatic suggestions based on your habits
• Financial goals with deadlines — including inflation and returns to ensure accurate monthly savings figures
• Sinking fund for major expenses that inevitably arise
• Emergency and retirement fund calculator
• Simulator: If you save a certain amount per month, how much will it become?
ASSETS & DEBT IN ONE SCREEN
• Net worth: cash, investments, receivables, minus debt
• Debts & receivables by item — mortgage, vehicle, friend's loan — with remaining balance and progress
• Transactions per account with current balance
• "Non-cash" balance for RDN or brokerage balance: still an asset, but not counted as spendable
• Investment portfolio with allocation by instrument
USE ANYWHERE
• Indonesian or English, automatically adapts to your phone
• 16 currencies: Rupiah, Dollar, Euro, Ringgit, Yen, and more
• Two display styles (Classic and Modern), dark mode, 8 accent colors
• Export transactions to CSV for a neat look in Excel or Google Sheets
FREE, WITH PRO ONE-TIME PAYMENT
Free: unlimited transactions, dashboard, up to 3 accounts, free categories.
Pro: Open unlimited accounts + credit card, annual recap, budget by category, goals & sinking fund, 7-day chart — one-time payment, no subscriptions, forever.
No ads. No data collection. Just you and your money.
Track your money, plan your goals, and know how much you can safely spend. 100% offline.