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finio
Your money, finally intelligent
Total Balance
₹84,320
₹62,000
Income
₹31,420
Spent
₹15,000
Saved
Know where every rupee goes
AI-powered insights that actually explain your spending - not just track it.
Good morning ☀️
Arpan Narula
A
💳 Total Balance
₹84,320
▲ 12.4% from last month
↑ Income
₹62,000
↓ Expenses
₹31,420
🎯 Savings
₹15,000
✨
Finio AI says: You spent 38% more on food this week than your monthly average. Cutting ₹2,000 saves ₹24k/year.
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Add Expense
📊
Analytics
🎯
Goals
💳
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Budget Status
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March 2026 · 11 days left
60% Food
₹6k / ₹10k
75% Travel
₹3k / ₹4k
90% Fun
₹2.7k / ₹3k
Recent Transactions
See all →
🍔
Swiggy
Food & Dining
−₹420
Today
💼
Salary Credit
Income
+₹62,000
Mar 1
🚇
Metro Card
Transport
−₹500
Mar 9
🎬
Netflix
Entertainment
−₹649
Mar 8
🏠
Home
📋
Txns
📊
Budget
🎯
Goals
✨
AI
← Back
Transactions
🔍 Search transactions...
All
Food 🍔
Transport 🚇
Shopping 🛍️
Bills 📱
Entertainment 🎬
Today - Mar 11
🍔
Swiggy - Biryani
Food & Dining · 2:34 PM
−₹420
☕
Blue Tokai Coffee
Food & Dining · 9:12 AM
−₹280
Yesterday - Mar 10
🚕
Ola Ride
Transport · 8:20 PM
−₹234
🛍️
Amazon Purchase
Shopping · 3:45 PM
−₹1,899
💸
Freelance Payment
Income · 11:00 AM
+₹8,000
Mar 9
🎬
Netflix Subscription
Entertainment · Auto-debit
−₹649
🚇
Metro Card Recharge
Transport · 8:00 AM
−₹500
🏠
Home
📋
Txns
📊
Budget
🎯
Goals
✨
AI
Budget Planner
‹
March 2026
›
Total Spent This Month
₹31,420
of ₹50,000
62% of budget used · ₹18,580 remaining
Default
50/30/20 Rule
Custom Split
🍔
Food & Dining
6 transactions
₹6,200
of ₹10,000
🚕
Transport
8 transactions
₹3,100
of ₹4,000
🎬
Entertainment
3 transactions · ⚠️ Near limit
₹2,720
of ₹3,000
🛍️
Shopping
4 transactions
₹8,400
of ₹15,000
📱
Bills & Subscriptions
5 transactions
₹4,200
of ₹6,000
🏠
Home
📋
Txns
📊
Budget
🎯
Goals
✨
AI
Savings Goals
3 active goals · ₹38,500 saved total
＋ Add New Goal
✈️
Goa Trip
Target: June 2026 · Monthly saving: ₹3,000
₹18,500
of ₹30,000
🔥 On track - 4 months left
🚨
Emergency Fund
Target: Dec 2026 · Monthly saving: ₹5,000
₹15,000
of ₹60,000
⚡ 25% done · Keep going!
💻
New MacBook
Target: Sep 2026 · Monthly saving: ₹4,000
₹5,000
of ₹1,20,000
📅 Just started
🏠
Home
📋
Txns
📊
Budget
🎯
Goals
✨
AI
✨
Finio AI
Online · Analyzing your finances
✨
Hey Arpan! 👋 I've analyzed your spending for March. Your food expenses are 38% above your monthly average. Want to see where specifically?
Yes, show me where I overspent this month
✨
Here's your March spending breakdown:
🍔 Swiggy / Zomato
₹3,420 ↑62%
☕ Cafes & Coffee
₹1,840 ↑28%
🏪 Groceries
₹940 ✓ On track
💡 Tip: Cooking 3x/week saves ~₹1,800/month
How much can I save by end of year?
✨
Based on your current income of ₹62,000 and average expenses of ₹31,400, you can save approximately ₹2,21,200 by December 2026 - enough to fund your Goa trip AND grow your emergency fund 🎯