Self-hosted · Built for India
FinOS reads your bank SMS, statement emails and uploads, reconciles them against each other, and keeps one honest record of your spend, bills and net worth — on your own server, for how money actually moves in India.
No manual entry · No ads · No third-party aggregator
Incoming · SMS · HDFC Bank
Parsed — amount, account, merchant extracted
Matched — also in the email statement · kept as one entry
Categorized — rules first, LLM only if needed
In your ledger
Netflix
−₹649.00
Verified against 2 sources — no double count
3
ingestion channels
SMS, email, statements
12
asset classes tracked
banks to gold to EPF
5+
bank formats parsed
each with its own quirks
1
honest number
reconciled, not estimated
What it does
Bank SMS alerts and statement emails (Gmail) are parsed automatically the moment they arrive — no manual entry.
Upload PDF/CSV/XLSX statements from HDFC, Axis, Kotak, Scapia and more — a parser per bank handles each format and password scheme.
Rule engine + an LLM fallback categorize every transaction, looping until nothing's left uncategorized — while your manual overrides are never touched.
Subscriptions, EMIs and card statements are detected from transaction patterns and tracked to due dates automatically.
Banks, credit cards, stocks, mutual funds, US stocks, PPF, NPS, EPF and gold — one number, one trend line.
A dedicated tool bridges your tracked numbers against actual bank statements and flags gaps — not just a spend chart that hopes it's right.
Why not just use a budgeting app?
Most Indian expense apps read SMS only. FinOS merges SMS, email statements, and manual uploads for the same account, deduplicating across all three — so a transaction is never double-counted just because it showed up twice.
It runs on its own VPS, not a shared multi-tenant SaaS. Your bank details never sit in a third party's growth-analytics pipeline.
Once you correct a category by hand, automation never overwrites it again — a rule that's enforced in code, not just a UI convention.
One account can span Axis, HDFC, Kotak, Scapia, Groww, Zerodha, IndMoney, PPF, NPS and EPF. FinOS treats that as the normal case, not an edge case.
Roadmap
Ingestion (SMS, email, statements), categorization, transactions, spend analysis, bills.
Holdings across every asset class, valuation trends, net-worth breakdown, bank reconciliation.
Natural-language SQL queries, a spending-leak detector, goal tracking, and a monthly financial-advisor summary.
Native Android is live; a shared Compose Multiplatform core is being extended to iOS.
Try it now
A sandboxed account seeded with realistic (entirely fake) transactions, bills and investments. Poke at everything — it resets itself every night.
Demo access · resets nightly at 01:30 UTC