Personal finance

For salaried & individuals — net worth, investments, tax saving

Not every user runs a business. Tell Finocket you're salaried or an individual and the whole app reshapes — no invoices or clients, just your money: income in, investments growing, and a clear read on how much tax you'll actually pay.

Personal finance report — net worth, savings rate and 80C progress

Actual app — a real screenshot on sample data, not a mock-up.

Income tracking

Log salary, bank/FD interest, rent, dividends and capital gains, with the TDS deducted so you can reconcile against Form 26AS.

Investments in one place

ELSS, NPS, PF/PPF, fixed & recurring deposits, gold, mutual funds, stocks, bonds and LIC — flag what's 80C-eligible and watch your total grow.

Net worth & savings rate

A live net-worth figure across everything you hold, plus your this-year income vs expenses and savings rate at a glance.

80C / 80D planning

A progress bar toward the ₹1.5 lakh 80C limit and 80D health-insurance tracking, so you know what's left to invest before year-end.

Old vs new regime

A side-by-side comparison that tells you which tax regime saves you more for the year (indicative, FY 2025-26 — confirm with your CA).

One app, two hats

Run a side business too? Flip modules on and the same account gains invoices, GST and clients — nothing to migrate.

Explore more

GST & tax compliance
GSTIN per client, CGST/SGST/IGST splits, credit notes, GSTR-1/3B, ITC, RCM and TDS on payments.
Invoicing & payments
Estimates with online acceptance, deposits & payment schedules, a client portal, automated reminders and late fees — plus branded PDFs, UPI QR, WhatsApp share and multi-currency.
Double-entry books
Trial balance, P&L, balance sheet and cash flow from a proper double-entry ledger — plus Day Book, Cashbook, a permanent audit trail and one-tap Tally XML your CA imports.
Inventory & manufacturing
A live stock ledger with weighted-average COGS, batch & expiry tracking, multiple godowns, sales & purchase orders, and a bill of materials with production runs.
CRM & pipeline
Lead → deal → invoice → payment as ONE record, with a next action on every deal, rotting indicators, speed-to-lead alerts, dedupe & merge, multiple pipelines and booking links.
Forms & landing pages
Hosted lead-capture forms and mobile landing pages — every submission stores the exact opt-in text as proof.
Outreach & compliance
Campaigns, follow-up sequences and one send chokepoint that checks consent + suppression on every message — plus dynamic QR codes that turn scans into leads and the option to send on your own WhatsApp, SMS and email accounts.
Partners & commissions
Referral links and coupon codes, milestones with tiered rates, an append-only commission ledger on collected revenue, and monthly CA-ready statements.
Developer & AI
A versioned REST API + MCP endpoint so AI agents can work your books, bring-your-own AI keys, a usage & activity monitor, signed webhooks and roles enforced at the database.
Multi-company
Add as many companies as you run, each with its own name, GSTIN and numbering — switch between them in a tap, with each company's books fully isolated.
AI, voice, scan & offline
Scan-to-Add expenses, an AI assistant over your data, voice in five languages, and an offline-first PWA.

Ready to ditch the spreadsheet?

Free for solo users. No credit card. Your books stay yours.

    For salaried & individuals — net worth, investments, tax saving · Finocket