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Finkoin
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Why Finkoin
Check your financial health, plan with India-ready calculators, track every month and split bills with friends. Free to start, built for India.
The health check, calculators, tracker and Split cost nothing.
The core check runs on numbers you type. No KYC to get started.
Old vs new tax regime, PPF, EPF, NPS, Post Office schemes and ₹ everywhere.
Scores and numbers come from fixed rules in code. AI only explains them.
Tap a tag to see the features that match.
Showing 12 features
Understand
Know where you stand in about 5 minutes
Answer a few questions about income, spends, savings, loans and cover. Finkoin gives you a health score and shows what is strong and what needs attention.
Plan
A step-by-step plan, explained in plain words
Turn your health check into an ordered list of steps: build the emergency fund, close cover gaps, tackle costly debt, then plan goals. The order comes from fixed rules; AI explains each step simply.
Plan
See which regime leaves more in your pocket
Compare both regimes side by side with HRA, 80C, NPS and capital gains, set up for FY 2025-26 planning.
Plan
Every Indian money question, one calculator away
SIP, SWP, EMI, PPF, FIRE number, emergency fund, home and car loans, rent vs buy, and every Post Office scheme with current rates.
Track
One monthly view of income, spends and dues
Log spends by category and watch your month at a glance. The budget learns from how you actually spend, and a checklist keeps EMIs, rent, SIPs and card bills on time.
Share
Split trips, flats and dinners without awkward maths
Create a group, share an invite link, and add who paid. Finkoin simplifies the balances so everyone knows who owes whom.
Plan
Give every rupee a job
Map goals like a home, a car, your child's education or a dream trip, and see how much you would need to set aside each month to get there.
Track
All your insurance policies in one place
Keep health, term, motor and other policies together with cover amounts, premiums and renewal dates, so nothing lapses by accident.
Track
See everything you own and owe
Add mutual funds, FDs, PPF, EPF, NPS, gold and property once. Finkoin keeps your net worth up to date across the app.
Grow
Money basics, minus the jargon
Short guides on tax, saving, loans, insurance and investing, written for Indian readers.
Grow
Build good money habits and get rewarded
Earn FK for using Finkoin regularly, keep streaks going, climb the leaderboard and invite friends. FK are in-app rewards with no cash value.
Grow
Feels like an app, no app store needed
Add Finkoin to your home screen on Android or iPhone. It opens full screen, sends helpful reminders, and shows a fallback page when you are offline.
It takes about 5 minutes and needs no PAN or Aadhaar.
Create free accountFinkoin is an educational tool. It is not a SEBI-registered investment adviser and does not sell or recommend insurance or investment products. FK are in-app rewards with no cash value. Read the disclaimer.