Track, Split, Learn
With Phinance

Phinance gives you everything you need to track expenses, split with friends, and learn about money in one place. Our financial co-pilot understands your financial DNA and delivers the kind of contextual advice previously reserved only for the top 1%, helping you make the right decisions, every time.

Get Started Why Phinance?

📱 Phinance App

Unlock Your Financial Potential

Phinance offers a comprehensive suite of tools designed to simplify your financial life and empower better decisions.

money_bag

Budget and Track Spends

  • You check your balance, but it doesn't tell the whole story. You've fronted money for friends, paid for group trips, there's a constant fog between what you've spent and what you're owed.
  • Phinance clears the fog by being the first app to separate your total cash flow from your true personal spending..
  • Here's how: You pay ₹2,500 for a group dinner (your share is ₹500). Your budget stays honest because we only deduct your share, while tracking the ₹2,000 you're owed. Complete Clarity.
group

Split Transactions

  • Your budget has a blind spot: all the small expenses your friends cover for you. That coffee, that cab ride, they never make it into your tracker, so your financial picture is never truly complete.
  • Phinance closes the loop. Our integrated splits mean that any expense you're a part of is automatically accounted for, no matter who paid.
  • Your friend pays for lunch? It instantly hits your budget. This is the new standard for 2025.
local_library

Learn Money Skills

  • You want to get smarter with money, but the internet is a firehose of jargon and clickbait. It’s hard to know where to begin or who to trust.
  • At Phinance, learning is about action. We deliver bite-sized, direct-to-the-point lessons designed to be immediately applied to your financial life.
  • What you'll get: Actionable guides to the fundamentals, simple rules for wealth creation, and a suite of calculators to turn knowledge into a concrete plan.

Meet Your Financial Copilot

🤖 AI Copilot in Action

mindfulness

Get Advice for Any Situation

Your copilot acts as your personal strategist, analyzing your unique financial position to give you clear, intelligent advice for any scenario.
E.g., "I just got a ₹50,000 bonus, what's the smartest thing to do with it?"

chat

Talk to Your Budget

Ask questions directly. Understand how any purchase, trip, or big expense will impact your financial goals before you make a decision.
E.g., "Can I afford to go on a dine out date tonight?"

handyman

Get the Right Tools, Instantly

From figuring out how to afford a car to planning for retirement, your copilot delivers the exact frameworks and calculators to build your blueprint.
E.g., "I need a personal loan, what's the best tenure per my salary?"

Frequently Asked Questions

Everything you need to know about Phinance

Is Phinance free to use?

expand_more

Yes, Phinance has a free-forever plan. Our core features for tracking, splitting, and learning are free to use, supported by ads. The AI Copilot is a premium feature available via a subscription, which also removes all ads.

🎁 As a special thank you, all early access users get 3 months of our Premium AI features completely free.

Can this replace my current budgeting app?

expand_more

Yes, completely. Phinance is designed to be the only financial app you need. It includes a powerful and fully customizable budgeting tool. Plus, our smart tracking makes your budget more accurate than other apps by differentiating between cash you've fronted for friends and what you've actually spent.

Can this replace my splitting app (like Splitwise)?

expand_more

Absolutely. And then some. Phinance has all the group expense and bill-splitting features you're used to. The real difference is that ours is seamlessly integrated with your budget and tracking. When a split is created—by you or a friend—your budget updates instantly. No more juggling apps in 2025.

Can I trust you with my data?

expand_more

Yes. Your privacy and security are fundamental to how we've built Phinance. We operate on a "privacy by design" principle. All of your personal financial data, including transaction information from your SMS inbox, is processed securely on your device. It is never uploaded to our servers, and no one at Phinance can ever access it. You, and only you, are in control.

Ready to Take Control of Your Money?

Join thousands who are already building better financial habits with Phinance.