FinEaseOne number for everything you own, owe, and protect.
Bank to gold to that LIC policy from a decade ago to the loan from a cousin — FinEase adds it all up into one honest net worth, in ₹ Lakh and Crore, and flags the gaps in plain language. Manual entry, no bank sync required.
Everything on a household balance sheet
Not just bank balances and SIPs — the gold, the flat, the informal loan from a relative, and the insurance nobody's revisited in years.
One net worth number
Every asset minus every liability, recalculated the moment you add or edit anything.
30+ asset & liability types
Cash, FDs, mutual funds, EPF/PPF/NPS, gold, property, loans, cards — in Indian terms.
Protection gap check
Life and health cover compared against generic benchmarks — a ₹ number, not a sales pitch.
Goals with real math
Inflation-adjusted targets and the monthly SIP required to actually reach them.
Monthly budget tracker
Plan, log, get nudged at 80% of a category, close the month against your balance sheet.
Household, without merging
An optional shared view-only rollup — your spouse sees totals, never your line items.
Three steps to your first honest number
No bank login, no OTP marathon, no 40-field forms.
Add what you own and owe
One category, one subtype form, only the fields that category actually needs.
See one honest number
Net worth, updated the moment you save — even with just one entry.
Get plain-language flags
Liquidity, debt load, protection gaps — as ratios and ₹ numbers, never as advice.
Not an investing app. Not just an expense tracker.
They want you to buy a fund. FinEase has nothing to sell you — no distribution, no commission, no recommendation.
Spends are one line on a much bigger page — your whole balance sheet, gold and property included.
The one you already have, but it calculates SIPs, cover gaps, and FOIR for you, automatically.
Questions people ask before they start
Straight answers about what FinEase does, what it doesn't, and what happens to your data.
What is FinEase?
FinEase is a net worth tracker for Indian households. It adds up your bank accounts, fixed deposits, mutual funds, EPF, PPF, NPS, gold, property, loans, credit cards and insurance into one balance sheet, shown in ₹ Lakh and Crore. It is information, not advice: FinEase has nothing to sell you.
How do I calculate my net worth in India?
Net worth is everything you own minus everything you owe. Add up bank balances, FDs, mutual funds, stocks, EPF, PPF, NPS, gold and property, then subtract home, vehicle and personal loans, credit card dues and any money borrowed from family. FinEase does this sum for you and updates it every time you add or edit an entry.
Is FinEase free?
Yes, FinEase is free to start and no card is required. You can get your first net worth number in under five minutes.
Does FinEase connect to my bank account?
No. FinEase never asks for bank, broker or insurer logins and does not use Account Aggregator consent. Your data only comes in when you type it or upload a statement you downloaded yourself.
Can I upload my bank or mutual fund statement?
Yes. Upload a PDF or photo (PNG or JPEG, up to 15 MB) of a bank, mutual fund, credit card, loan or insurance statement. FinEase reads it and proposes the record, such as a balance, holdings or dues. Nothing is saved until you review and confirm it. Password-protected PDFs, like most CAMS and KFintech statements, need the password removed first.
Does AI see my financial data when I upload a statement?
No. The document is read with OCR, and the AI model is only shown column headings and the type of each value, such as “amount” or “date”. It never sees your amounts, names or account numbers. FinEase's own code reads the numbers and checks that they add up.
Is my financial data safe with FinEase?
Sensitive fields such as names, account and policy details, and statement contents are encrypted in the database with AES-256. Data is hosted in India (AWS Mumbai). Uploaded files are deleted once you confirm them and purged within 30 days otherwise, and you can export or delete everything at any time, in line with India's DPDP Act 2023.
What can I track in FinEase?
Assets: bank accounts, cash, fixed and recurring deposits, mutual funds, stocks, EPF, PPF, NPS, physical gold, digital gold and Sovereign Gold Bonds, and property. Liabilities: home, vehicle and personal loans, credit cards, and informal loans from family. Insurance: term, health, family floater, motor, personal accident, endowment, ULIP, whole life and critical illness cover.
Can FinEase track the value of my gold?
Yes. Physical gold is valued from today's gold rate multiplied by its weight and purity in karat, so the number stays current without you re-entering it. Digital gold and Sovereign Gold Bonds can be tracked too.
How does FinEase plan for goals like a house or a child's education?
Name a goal, its target amount and date. FinEase works out the inflation-adjusted amount you will need and the monthly SIP required to reach it, shows whether you are on track, and lets you earmark existing savings and investments towards it.
Does FinEase give investment advice?
No. FinEase shows numbers and ratios to help you understand where you stand. It never recommends a fund, policy or product, earns no commissions, and is not a SEBI-registered investment adviser.
Can my spouse or family use FinEase with me?
Yes. You can create a household and invite family members by email. Each person's individual line items stay private to them.
Is there a FinEase mobile app?
FinEase is a web app that works in the browser on phones, tablets and computers. There is no separate app to install yet.
How do I delete my FinEase account and data?
Go to Settings and choose Delete account. Everything is removed, including any uploaded files. You can also download all your data as a JSON file first.
See where you stand. Honestly.
Free to start. No bank connection required. Delete everything, anytime.
Get started free