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Track. Split. Learn.
With Phinance
Your Financial Copilot

Track your spending, split expenses, learn about money, and get contextual advice from your AI-powered financial co-pilot.

Managing money shouldn't be this painful!

Your financial journey shouldn't feel like an uphill battle

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Budgeting Feels Like a Chore

Current apps are either too simple to help, or too messy to manage, nothing hits the sweet spot.

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Juggling 5 Apps to Do 1 Job

An app to track spends, another to split, another to budget, another one more to learn... ugh!

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You're Drowning in Advice

You're overwhelmed by financial advice, yet very little is applicable to the daily activities of your nuanced life.

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No Intelligence? in 2025?

It's 2025. Where's the AI that is context aware, saves time and helps you make better financial decisions?

So we built something different.

Phinance brings all your financial tasks into one simple, intelligent app. Clarity, not clutter.

Track Every Spend, Effortlessly

View by payment method for instant clarity. Keep spending tidy with category-based budgets. Separate personal and shared expenses in a tap.

Budgets That Fit Your Life

Custom categories for the goals that matter. Set cycles your way: monthly, weekly, or quarterly.

Power Tools for Power Users

Automate rent, utilities, and subscriptions. Smooth out big purchases over time. See true net spend and how it changes.

Crystal Clear Tracking

View by payment method for instant clarity. Keep spending tidy with category-based budgets. Separate personal and shared expenses in a tap.

Seamlessly Split Expenses

Stop chasing friends for money. Handle shared bills, trips, and expenses without the awkward conversations.

Sync Your Dues, Automatically

Split transactions and see who owes who, right in the app. Dues are updated in real-time for both you and your friends.

Clarity on Shared Spending

Get a crystal-clear view of group expenses alongside your personal spending. No more confusion.

Itemize for Ultimate Fairness

Split a restaurant bill or grocery receipt line-by-line to ensure everyone pays their exact share.

Learn to Master Your Money

Gain the financial confidence you need with clear, practical, and bite-sized lessons.

Knowledge That Fits Your Day

Learn complex topics like Investing and Taxation through simple, jargon-free lessons you can finish in minutes.

Actionable Insights, Not Just Advice

We focus on practical knowledge that you can apply immediately to improve your financial health.

Build Confidence with Every Lesson

Move from uncertainty to mastery, one topic at a time, and start making smarter financial decisions.

Meet Your Financial Copilot

AI so good with money, it probably has a side hustle

Intelligent Financial Analysis

Our native AI Co-pilot lives within Phinance, analyzing your habits to provide personalized insights, identify savings opportunities, and help you stay on track with your goals.

Chat with Your Finances

Interact with your money using natural language. Ask questions like, "How much did I spend on food last month?" or "Can I afford that vacation?" and get instant, intelligent answers.

Connect Your Favorite Tools

Integrate Phinance with powerful LLM clients like ChatGPT and Claude to manage your accounts and gain insights using the conversational tools you already know and love.

Ready to Take Control of Your Money?

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

Waitlist members get 50% off their first year of Premium