Free Personal finance app

Finvox, your personal finance app. Your money, under control, with clarity, and made simple.

Track income and spending as easily as sending a message, set budgets, and reach your financial goals. Everything you need to manage your money, in one app.

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Free, no credit card required
Sign up in 1 minute
Secure, with no bank account access

9:41

Hello there 👋 Thursday, 22 October 2026

2 K

October 2026

Current wallet balance Rp37,060,000

Income: Rp8,500,000
Expenses: Rp4,717,000

Record a transaction here

Recent transactionsView all

🍜Food & drinksPadang rice−Rp28,000
💡BillsElectricity credit−Rp200,000
💼SalaryOctober salary+Rp8,500,000

🍜

Food budget72% used

Finvox Assistant

Your food spending is down 12% from last month. Keep it up.

44%

🛟 Emergency fundRp16m of Rp36m

Try it now

Track money as easily as sending a message.

Skip the long forms. Type like you are messaging a friend and Finvox picks out the amount, category, and date. Try it in the demo.

Multiple transactions at onceSeparate transactions with commas.
Categories filled in automaticallyThe more you use it, the better it understands your habits.
Understands everyday languageUnderstands everyday terms like "18k", "8 million", and "yesterday".

Quick entryNo account needed. Nothing is saved.

Live

Write a transaction

✍️ Your results appear here Enter a transaction and its amount, e.g. Coffee 18k.

OutRp0

InRp0

Save in the app

Features

Everything you need, in one app.

From your morning coffee to your retirement fund, everything is clearly organized and easy to understand.

Your finances at a glance

Balance, cash flow, net worth, and upcoming bills appear as soon as you open the app, with an automatic financial health check.

6-month cash flowIn Out

May

Jun

Jul

Aug

Sep

Oct

Net worthRp128,400,000▲ 3.2% this month

Savings rate38%Target 20%

Financial health

Emergency fund: about 5.6 monthsA good start. Aim for 6 months of spending.

Debt payments: 18% of incomeWithin range. Aim to keep it under 30%.

Budgets that keep spending in check

Get alerts at 80% and 100% of your budget, plus suggested amounts based on your last 3 months of spending.

🍜 Food72%

🚌 Transport45%

🎬 Entertainment104%

Snap a receipt. Record the expense.

Amounts and dates are read in seconds. Processed on your device, not on the server.

COFFEE SHOP Iced latte18,000 Croissant22,000 TOTAL40,000 19/10/2026

Rp40,000 · Food & drinks

AI Financial Assistant Premium

Ask anything about your money and get answers based on your own data, not generic advice.

Why did I spend more this month?

Up 14%, mainly on Entertainment (+Rp420k) and Online shopping. Want me to set a weekly limit?

Big goals, practical steps

Your dream home, emergency fund, or education costs. Finvox calculates how much to set aside each month.

62%

🏡 Home depositRp62m of Rp100mSave Rp3.2m/month to reach your goal by Dec 2027

Never miss another bill

Salary, rent, subscriptions, and loan payments are recorded automatically, with reminders before they are due.

🏠Room rentIn 2 days
🎵Music subscriptionIn 5 days
💳Motorcycle paymentIn 12 days

Watch your wealth grow

Savings, gold, mutual funds, property, and debt in one place. Track your net worth over time and plan how to pay off debt.

Assets Rp146mDebts Rp17.6m

And much more

Small details that make managing money easier every day.

Monthly financial report
Group finances
Multiple currencies
Financial calculators
Push notifications
CSV import & export
Offline mode
Dark mode
Indonesian & English

How it works

From signing up to everyday tracking.

Six simple steps. Get set up in about five minutes, then spend just a few seconds a day recording transactions.

Create your Finvox accountFree

NameYou

Emailyou@example.com

Password••••••••••

A verification link is sent to your email

Set up your walletsJust once

🇮🇩 Indonesia🇬🇧 English

Main currencyIDR · Indonesian rupiah

💵CashRp350,000
🏦Bank accountRp12,500,000
📱E-walletRp420,000

Start using Finvox

Finvox on your home screenRight from your browser

Finvox

Open with one tapStraight from your home screen

Works offline tooSyncs when back online

See installation steps

Record transactions Synced

Bensin 50rb kemarin, parkir 5rb

🚌TransportFuel · Yesterday−Rp50,000
🚌TransportParking · Yesterday−Rp5,000

Scan receiptsTake a photo, then review the result

Recurring transactionsSalary on the 25th, automatically

This month's budgetsOctober 2026

🍜 Food & drinksRp1.08m / 1.5m

🚌 TransportRp360k / 800k

🎬 EntertainmentRp400k / 500k

44%

🛟 Emergency fundRp16m of Rp36mSave Rp1.2m a month to reach your goal by Aug 2027

Entertainment budget is 80% used. Rp100,000 left for 11 days.

Where does my money go?October 2026

TotalRp4.7m

Food & drinks34%
Housing26%
Transport18%
Shopping14%
Other8%

Monthly financial reportA clear summary at the end of each month

Ask the Assistant"Why did I spend more this month?"

Install on your phone

Install in seconds.

No large downloads. Install Finvox from your browser, always stay up to date, and keep recording offline.

On a laptop? Scan this code with your phone camera to open Finvox, then install it from there.

Open Finvox in ChromeLog in to your account in Chrome on your phone.
Tap the menu ⋮In the top-right corner of your browser.
Choose Install appOr Add to Home screen on some phones.
Tap InstallThe Finvox icon appears on your home screen and in your app drawer.

Financial calculators

Know what you need, plan your next step.

Try the calculators from the Finvox app to plan your financial goals. Adjust the numbers to fit your circumstances, then see how much you need and the steps you can take today.

Calculate your emergency fund

How much do you need in reserve, and how much should you save each month?

Monthly spending

Family situation

Income type

Amount already saved

Saving period

months

See calculation details

Continue in the app

Privacy & security

Your data is yours.

Your finances are personal. Finvox does not hold funds, request bank access, or sell your data to anyone.

Wallet balance Rp37,060,000 +Rp8,500,000−Rp4,717,000

Hide amountsSafe to open in public

No bank connection requiredYou record your transactions. No access to your bank or e-wallet is needed.
PIN & fingerprint lockLock the app with a PIN or your device's biometrics.
No ads, no data salesYour financial data stays private and is never used for advertising.
Export or delete anytimeDownload all transactions as CSV or permanently delete your account.

Pricing

Start free, upgrade when you need it.

Start at no cost and see the difference. When you need more, Premium unlocks higher limits and advanced features.

Monthly Yearly Save 50%

FreeStart tracking with ease

Rp0forever

5 transactions per day
Wallet limit: 1 · Budgets per month: 5
Quick entry & receipt scanning
3 financial goals
Assets, debts, and net worth
Financial calculators

Everything included

PremiumEvery feature, no limits

Rp14,500/month

Rp174,000 per year, save 50% compared with Rp348,000

Start free, upgrade later

Unlimited transactions, wallets, budgets, and goals
AI Financial Assistant
Monthly financial report
Automatic recurring transactions
Groups for managing money together

Compare Free and Premium See each plan's features and limits

Free and Premium features and limits
Features	FreeTo get started	PremiumMore features
Transactions per day	5	Unlimited
Wallets	1	Unlimited
Category budgets per month	5	Unlimited
Financial goals	3	Unlimited
Quick entry and receipt scanning	Available	Available
Assets and debts	Available	Available
Net worth and charts	Available	Available
Financial calculators	Available	Available
AI Financial Assistant	Not available	Available
Monthly financial report	Not available	Available
Automatic recurring transactions	Not available	Available
Groups for managing money together	Not available	Available

Pay your way, with no automatic renewals

FAQ

Frequently asked questions

Still have questions? Our team is happy to help by email.

Is Finvox free?

Yes. Core features like transaction tracking, budgets, financial goals, assets, debt, receipt scanning, and offline mode are free forever. Premium unlocks higher limits and advanced features such as the AI Financial Assistant and monthly financial reports.

Does Finvox connect to my bank account or e-wallet?

No. You record transactions yourself, so Finvox never asks for access to your bank, card, or e-wallet. Finvox does not hold or transfer funds.

How secure is my financial data?

Only the account owner can view their financial data, including keeping it private from admins. Connections are encrypted, you can lock the app with a PIN or fingerprint, and your data is never sold or used for ads.

How do I install Finvox on my phone?

Open Finvox in Chrome on Android and choose Install app. On iPhone, open it in Safari, tap Share, then Add to Home Screen. On a laptop, click the install icon in the Chrome or Edge address bar.

Can I use it offline?

Yes. Transactions you add, edit, or delete offline are saved on your device and synced automatically when you reconnect.

How do I stop using Premium?

Premium is paid per period with no automatic renewal. If you do not renew, your account returns to Free and all your recorded data stays safe.

Is the guidance in Finvox financial advice?

No. Summaries and suggestions are calculated from your own data to help you consider your options. For major decisions, consider your circumstances or consult a qualified professional.

Insights

Insights for better financial decisions

All insights

Articles are currently available in Indonesian.

Bisnis

10 Jul 2026 13 min read

Start managing your money today

One small record today, more peace of mind next month. Free and ready to use in a minute.

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iPhone
Laptop & PC

FinvoxFree to get started

Finvox, your personal finance app. Your money, under control, with clarity, and made simple.

Track money as easily as sending a message.