Personal finance, reimagined

Take control
of your money.
See the whole
picture.

One intelligent workspace for expenses, income, credit cards, loans, bills, credit health, forecasts, and financial insights.

Built for your finances. Designed for clarity.

fintrack.app/dashboard
๐Ÿ Home
๐Ÿ’ฐMoney
๐Ÿ’ณCards
๐ŸฆLoans
๐Ÿ“ŠCIBIL
โš™๏ธMore
Good morning, Hemanth
Friday, 29 Aug 2026
HR
Net Worth
โ‚น12,48,500
โ†‘ 4.2% this month
Income
โ‚น1,84,000
+12%
Expenses
โ‚น92,400
-3%
Savings
โ‚น91,600
49.8%
CIBIL
774
Excellent
Income vs Expenses ยท Last 6 months
โ–  Incomeโ–  Expenses
โš  CC Bill โ‚น12,450 ยท due in 3 days
๐Ÿฆ EMI โ‚น8,200 ยท due tomorrow
๐Ÿ’ณ
Bill due in 3 days
HDFC Credit ยท โ‚น12,450
๐Ÿ“ˆ
CIBIL score +12
774 โ†’ Excellent
๐Ÿ’š
โ‚น18,500 saved
โ†‘ vs last month
โœ…
Loan EMI paid
SBI ยท โ‚น8,200
Everything you need:ExpensesIncomeCredit CardsLoansBillsCIBILForecastsReportsCalendarAlertsBalanceRecurring
The problem

Your financial life shouldn't live in five different apps.

Spending in one app, credit cards somewhere else, loans separately, CIBIL through another service, bills via reminders. The result: a fragmented picture that leads to missed payments and no real sense of where you stand.

๐Ÿ“ฑExpense apps
๐Ÿ’ณCard portals
๐ŸฆLoan dashboards
๐Ÿ“ŠCIBIL websites
๐Ÿ“…Reminders
๐Ÿ“ŠSpreadsheets
One Financial Workspace
Capabilities

Everything your money needs. Nothing it doesn't.

๐Ÿ“Š
Smart Expense Tracking
By category, date, payment method, and recurring schedule.
๐Ÿ’ฐ
Income Management
Salary, freelance, investments, business income, recurring earnings.
๐Ÿ’ณ
Credit Card Management
Multiple cards, utilization, statement dates, bills, overdue alerts.
๐Ÿฆ
Loan & EMI Tracking
Lenders, interest rates, installments, payments, remaining principal.
๐Ÿ“ˆ
CIBIL Intelligence
Score trends, utilization history, factor breakdown, what-if scenarios.
๐Ÿ”ฎ
Financial Forecasting
See where your finances are heading based on current patterns.
๐Ÿ”
Recurring Finances
Automated schedules for recurring income and expenses.
๐Ÿ“…
Financial Calendar
Bills, EMIs, recurring events, and milestones in one timeline.
๐Ÿ“‰
Reports & Analytics
Trends, summaries, and insights from your full financial activity.
โš–๏ธ
Balance Management
Track balances across multiple accounts and monitor cash flow.
๐Ÿ’ต
Cash Advance
Fees, transactions, payments, effective rates, and balances.
๐Ÿค
Chit Fund Tracking
Manage and monitor chit-fund contributions and payouts.
Understand your money

Know where every rupee goes.

A complete view of income and expenses โ€” by category, date, payment method, and trend. Monthly comparisons, savings rate, and the full transaction history, all in one place.

  • Expense categories with trend analysis
  • Monthly income vs expense comparison
  • Savings rate tracking
  • Multi-account balance overview
  • Recurring income and expense automation
Spending by Category โ€” August
Food & Diningโ‚น18,400
Shoppingโ‚น14,500
Transportโ‚น6,200
Utilitiesโ‚น4,800
Entertainmentโ‚น5,400
Total: โ‚น92,400
Saved: โ‚น91,600 (49.8%)
Upcoming Obligations
๐Ÿ’ณ
HDFC Credit Card
Due in 3 days
โ‚น12,450
๐Ÿฆ
ICICI Home Loan
Due tomorrow
โ‚น8,200
๐Ÿ’ณ
Axis Credit Card
Due in 8 days
โ‚น4,890
๐Ÿ”
Jio Postpaid
Due in 12 days
โ‚น999
Total obligations this monthโ‚น26,539
Never miss a payment

Bills and EMIs, before they become problems.

Every upcoming payment surfaces automatically. Credit card bills, loan EMIs, and recurring charges are tracked together so nothing falls through the cracks.

  • Credit card bill tracking and overdue alerts
  • Loan EMI schedules with installment history
  • Smart alerts via in-app, email, and WhatsApp
  • Recurring payment reminders
  • Missing bill detection
Understand your credit

Turn your credit report into a strategy.

Upload your CIBIL bureau report and get a complete view of your credit health โ€” score trends, per-card utilization, factor breakdown, and a what-if simulator to plan paydown scenarios.

  • PDF and JSON CIBIL report upload
  • Score trend over time
  • Per-card utilization tracking (โ‰ค30% healthy)
  • 5-factor score breakdown
  • What-if paydown simulator
  • Credit rotation planner
CIBIL Intelligence
774
774
Excellent
โ†‘ 12 pts from last report
Utilization by card
HDFC Regalia
28%
Axis Magnus
52%
SBI Elite
18%
โ‰ค30% healthy ย ยทย  31โ€“60% watch ย ยทย  >60% high
Security

Your financial data deserves serious protection.

Designed as multi-user SaaS from the start, with per-user data isolation at the database query level.

Per-user data isolation
Every database query is scoped to your user ID. No data bleeds between accounts.
Authenticated APIs
All endpoints require a valid JWT. Tokens expire after 30 days; impersonation tokens after 4 hours.
Secure token storage
Mobile app uses Android Keystore via flutter_secure_storage โ€” not plaintext SharedPreferences.
Admin access controls
Role-based admin panel with impersonation audit trail and self-action prevention.
On-device SMS scanning
SMS bill detection never transmits message text to the server. Processing stays entirely on-device.
Confirm-before-save uploads
CIBIL PDF extraction previews data before any database write. No silent saves.
Native Android app

Your finances, wherever you are.

The Flutter Android app mirrors the web platform โ€” expenses, income, loans, CIBIL, credit cards, bills, cash advance, forecasting, reports, and more.

  • Full dashboard with net worth and overdue alerts
  • Add and track expenses and income on the go
  • On-device SMS scanning for credit card bill detection
  • Secure JWT storage via Android Keystore
  • In-app APK updates with SHA-256 verification
  • Admin panel with user management and impersonation
Good morning
HR
Net Worth
โ‚น12,48,500
โ†‘ โ‚น1,84,000โ†“ โ‚น92,400
Cards
Loans
CIBIL
Bills
HDFC EMIโˆ’โ‚น8,200
Salary+โ‚น1,84,000
Swiggyโˆ’โ‚น340
Axis CC Billโˆ’โ‚น12,450
๐Ÿ 
๐Ÿ’ฐ
๏ผ‹
๐Ÿงพ
โ‹ฏ
๐Ÿ’ณ
Credit card bill due soon
HDFC Regalia ยท โ‚น12,450 ยท in 3 days
๐Ÿฆ
EMI due tomorrow
ICICI Home Loan ยท โ‚น8,200
๐Ÿ”
Recurring expense due
Adobe Creative Cloud ยท โ‚น4,999
๐Ÿ“‹
Missing monthly bill
Axis Credit Card has no bill for August
๐Ÿ“Š
Weekly financial summary
This week: โ‚น18,400 spent ยท โ‚น1,84,000 earned
Smart alerts

Your finances can remind you.

The platform keeps important financial events visible before they become stressful โ€” delivered where you actually read them.

  • Overdue bill and EMI alerts
  • Due-soon reminders with configurable window
  • Recurring income and expense notifications
  • Missing monthly bill detection
  • Weekly analytics email digest
  • WhatsApp delivery, opt-in per user
How it works

Three steps to financial clarity.

01
Add your financial data
Track income, expenses, cards, loans, balances, and CIBIL reports.
02
See the bigger picture
Everything comes together into one intelligent financial workspace.
03
Make better decisions
Use analytics, forecasts, alerts, and credit insights to plan ahead.
Explore

Your financial workspace.

Financial Overview โ€” Aug 2026
Net Worth
โ‚น12,48,500
Income
โ‚น1,84,000
Expenses
โ‚น92,400
Savings
โ‚น91,600
Pricing

Choose your plan.

Start free. Upgrade when you need the full picture.

Free
โ‚น0
Track the basics and build the habit.
  • Expense & income tracking
  • Loan & EMI tracking
  • 2 credit cards
  • Basic reports
Get started
Most popular
Pro
โ‚น199/mo
Full financial visibility in one place.
  • Everything in Free
  • Unlimited credit cards
  • CIBIL report analysis
  • Email & in-app alerts
  • Financial forecasting
  • Recurring automation
Get started
Premium
โ‚น499/mo
Advanced intelligence for serious finances.
  • Everything in Pro
  • WhatsApp alerts
  • Advanced analytics
  • CIBIL what-if simulator
  • Credit rotation planner
  • Priority support
Get started
FAQ

Common questions.

Yes. It combines expenses, income, credit cards, loans, bills, CIBIL analytics, forecasting, reports, and smart alerts in one workspace.
Yes. There's a dedicated Flutter Android app with full feature coverage alongside the web application.
Yes. Add multiple cards, track limits and utilization, generate monthly bills, and get overdue payment alerts.
Yes. Upload reports, track score trends, analyze per-card utilization, run the what-if simulator, and plan score improvements.
Yes. Weekly, monthly, quarterly, and yearly schedules for both income and expenses, with automatic occurrence generation.
Yes โ€” in-app, WhatsApp, and email delivery for bills, EMIs, recurring items, missing bills, and weekly analytics summaries.
Yes. Built as multi-user SaaS with complete per-user data isolation. Every API query is scoped by your authenticated identity.
Yes. Track lenders, interest rates, EMI schedules, mark installments paid, and view remaining principal at any time.
Get started

Your money is already telling a story.
Start seeing the whole picture.

Bring your finances together and turn financial activity into financial clarity.