FAMILY FINANCE SUITE
Bring your salary, commitments and spending together — so you know where your family stands and make everyday decisions with greater confidence.
With love
Made in India, made for India!
See how it works
Available now on Google Play.
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. It is the most common money mistake in India — a decision made against a number 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
Most families are not careless with money; they are making important decisions without one complete understanding of their financial life. When money becomes understandable, decisions become wiser; when wiser decisions compound, financial life improves. Finscious exists to make that journey possible.
WHAT FINSCIOUS DOES TODAY
"I finally know what is happening."
Salary-cycle tracking, transactions, commitments, net worth and reports.
"Important money does not disappear inside one balance."
Five envelopes and scheduled commitments.
"I know where I stand before I decide."
Daily guidance, analysis, findings, score and savings-versus-debt logic.
Your salary + commitments + actual spending + observed behaviour.
Your salary
Set once each payday, split across five envelopes.
Your commitments
Bills, EMIs and subscriptions, counted before they fall due.
What you actually spent
Every transaction so far this cycle.
How the month is going
Smoothed day to day, so the picture does not swing.
See how it works
Bank SMS is parsed entirely on your device. The raw message and the transaction fields derived from it stay on your phone.
No advertising identifiers, no analytics SDK, no crash-reporting SDK, no contacts. This version has no location-based nearby-place suggestion feature active at all.
A bank-message transaction we can't match to your own past choices is categorised only from your own past manual choices, checked on your device — no AI categorisation runs in this version.
Your financial data is stored only on your own device; your identity (name, email) is processed and stored in India (Google Cloud, Mumbai region) — a commitment we make voluntarily.
Export or delete everything, any time.
Visit the Trust Centre
Set your salary once. See what you can spend today.
Finscious V2 is coming
One intelligent system coordinating the household's whole financial universe. V1 stays a clear, supported product.
Read the V2 vision →
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