Financo: accounts tracker app

Your money is yours, your data should be as well! Financo is a privacy-first personal finance app and net worth tracker: account balances, subscriptions, free trials, and money you've lent or borrowed, all in one clean ledger. Most money manager apps chase transactions. Financo shows where your money is today — record what each account holds whenever it changes, and your net worth, history and trends build themselves. No bank linking. No transaction imports. No budgeting complexity. Features: - Net Worth Tracker • Automatic total net worth • Net worth history and trend • Track financial growth over time - Account Balance Tracker • Bank accounts • Savings • Cash • Salary accounts • Credit cards • Investments • Digital wallets • Custom accounts - Subscription Tracker & Renewal Reminders • Netflix, Spotify, iCloud, ChatGPT, or any recurring bill • Monthly and yearly plans, with the real cost per month • See everything renewing in the next 14 days • Renewal reminders before money leaves your account • Big charges warn you earlier • Pause subscriptions you are not using - Free Trial Reminders • Save a trial end date, Financo counts down • Reminders arrive with time left to cancel • Flag trials that will not auto-renew • Never pay for a trial you forgot - Personal Loan & IOU Tracker • Lent to friends, borrowed from family • Personal loans, shared expenses, IOUs • Person, amount, date, due date, notes • Outstanding balance and repayment history Record full or partial repayments. Overdue loans are flagged automatically. Link a loan to an account and repayments update it. Settled loans collapse away. - Financial Insights • Monthly cash flow • Net worth trend • Account performance • Balance history - Balance Log Reminders • Nudges to keep balances fresh • Daily, every few days, weekly, or off Balances, subscriptions and loans each get their own ledger in the Money tab. Privacy First: Your financial data stays yours. Financo: • Never connects to your bank • Never reads SMS • Never scans notifications • Never tracks spending automatically • Never shares your data • No ads, no analytics Offline First: stored on your device, works with no internet. Signing in is optional and only enables encrypted cloud backup with your own Google account. Export everything to a JSON backup anytime and import it on any device — never locked in. Supports currencies worldwide — Indian Rupee (₹), US Dollar ($), Euro (€), British Pound (£), and more, with lakh and crore formatting for India. Perfect For • Personal finance and bookkeeping • Net worth and wealth tracking • Subscription and bill tracking • Loan tracking and debt management • Students, freelancers, families How It Works: 1. Create your accounts. 2. Record balances whenever they change. 3. Add subscriptions and free trials. 4. Log loans and repayments. 5. Watch your net worth update automatically. Download Financo — a simple, private, offline-first ledger for account balances, net worth, subscriptions, free trials, and personal loans.