Financo: Personal Ledger, Net Worth & Loan Tracker

Track your money the way you actually think about it.

Financo is a privacy-first personal finance app that helps you track account balances, monitor your net worth, and manage money you've lent or borrowed. Instead of overwhelming you with thousands of categorized transactions, Financo lets you record what each account holds whenever it changes and automatically builds your financial history.

Whether you're managing bank accounts, cash, savings, investments, salary accounts, credit cards, or personal loans, Financo keeps everything organized in one clean ledger.

Why Financo?

Most finance apps focus on transactions. Financo focuses on where your money is today.
Update your account balances whenever they change, and Financo automatically calculates balance changes, tracks your financial progress, and keeps your net worth up to date.

No bank linking. No transaction imports. No budgeting complexity.

Features:

- Net Worth Tracker
• Automatically calculate total net worth
• View net worth history
• Track financial growth over time

- Account Balance Tracker
• Bank accounts
• Savings
• Cash
• Salary accounts
• Credit cards
• Investments
• Digital wallets
• Custom accounts

Create, edit or delete accounts and update balances anytime, Financo consolidates them automatically.

- Personal Loan Tracker
• Lent to friends
• Borrowed from family
• Personal loans
• Shared expenses
• IOUs

Each loan includes:
• Person's name
• Amount
• Date
• Due date
• Notes
• Outstanding balance
• Repayment history

Record full or partial repayments with ease.
Loans that pass their due date are automatically marked as **OVERDUE** so nothing gets forgotten.

Link loans to an account so repayments automatically update your account balance and keep your net worth accurate.

Completed loans move into a collapsible Settled section, keeping your active list clean while preserving your history.

- Financial Insights
• Monthly cash flow
• Net worth trend
• Account performance
• Balance history

Privacy First: Your financial data stays yours.

Financo:
• Never connects to your bank
• Never reads SMS
• Never scans notifications
• Never tracks spending automatically
• Never shares your data
• No ads
• No analytics

Offline First: Everything is stored securely on your device and works without an internet connection.

Signing in is optional and only enables encrypted cloud backup using your own Google account.

No advertisements!

Supports currencies worldwide, including Indian Rupee (₹), US Dollar ($), Euro (€), British Pound (£), and more. Includes lakh and crore formatting for Indian users.

Perfect For
• Personal finance
• Net worth tracking
• Wealth tracking
• Balance tracking
• Personal bookkeeping
• Loan tracking
• Debt management
• Students
• Freelancers
• Professionals
• Families

How It Works:

1. Create your accounts.
2. Record balances whenever they change.
3. Log money you've lent or borrowed.
4. Record repayments.
5. Watch your net worth update automatically.

No bank connections. No complicated budgeting. No endless transaction categorization.

Download Financo today and take control of your finances with a simple, private, offline-first personal ledger built around account balances, net worth, and personal loans.

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Additional Information