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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.

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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.

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GST & tax compliance
GSTIN per client, CGST/SGST/IGST splits, credit notes, GSTR-1/3B, ITC, RCM and TDS on payments.
Invoicing & payments
Branded PDF invoices, numbering series, UPI QR, WhatsApp share, payment↔invoice linking, multi-currency.
Books & reports
Day Book, Cashbook, Outstanding with ageing, Statement of Account, and a one-tap Hand-to-CA ZIP.
CRM & pipeline
Lead → deal → invoice → payment as ONE record. Money-aware pipeline that advances itself when you get paid.
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 a single send chokepoint that checks consent + suppression on every message.
Partners & commissions
Referral attribution, an append-only commission ledger on collected revenue, and monthly CA-ready statements.
Platform & API
Switch every module on or off, a versioned REST API, signed webhooks, an MCP endpoint and roles enforced at the database.
Marketplace hub
Pull orders + settlements, convert to GST invoices, and reconcile GSTR-8 in one place.
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.

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