Personal finance — income, investments & tax
For salaried & individual users: log income, track investments (ELSS/NPS/PF/FD/gold/MF/stocks), watch net worth, plan 80C, and compare the old vs new tax regime.
Not everyone runs a business. If you tell Finocket you're a salaried professional or individual at sign-up (or later in Profile → Modules & features), the whole app reshapes into a personal-finance tracker — no invoices, clients or GST in the way.
Log your income
Open Income to record salary, bank / FD interest, rent, dividends and capital gains. Capture the TDS deducted so you can reconcile against Form 26AS at year-end.
Track your investments
Investments holds everything in one place — ELSS, NPS, PF / PPF, fixed & recurring deposits, gold, mutual funds, stocks, bonds and LIC. Flag which holdings are 80C-eligible and watch your total (net worth) grow.
Net worth, savings rate & 80C
The Personal finance report pulls it together: a live net-worth figure, this-year income vs expenses, your savings rate, and an 80C progress bar toward the ₹1.5 lakh limit so you know what's left to invest before year-end.
Old vs new tax regime
The same report includes a side-by-side comparison on your real numbers and tells you which regime saves more for the year. It's an indicative estimate for FY 2025-26 — confirm with your CA before you file.
Run a side business too?
Flip on the invoicing, clients and GST modules in Modules & features and the same account gains the full business toolkit — nothing to migrate.
Related: Modules & plans, Reports.