Your money, understood.
Income, expenses, savings, accounts, budgets, loans and lending — in one place, built to hold years of history without turning into a spreadsheet graveyard.
Bangla and English · your data is never used to train a model
Most finance apps quietly get the hard parts wrong
They file a loan you took as income, so your month looks profitable. They count money you set aside as spending, so your saving rate is meaningless. They store balances instead of deriving them, so fixing a two-year-old mistake leaves every total downstream wrong.
FINEX defines the eight movement types once, in one place, and derives every balance, KPI, report and forecast from that single table.
- Savings reduce cash, never counted as an expense
- Transfers touch no income, expense or saving bucket
- Borrowing raises cash and debt — not income
- Repaying lowers cash and debt — not an expense
- Lending lowers cash, raises a receivable
- Recovering raises cash, lowers the receivable
Everything in one ledger
Built for long-term use, for real money, with the awkward cases handled rather than ignored.
One central ledger
No sheet per month or per year. Eight movement types in a single store, with full filtering, search and sorting across every year you have tracked.
Loans and lending, done properly
Borrowing is not income. Repaying is not an expense. Partial repayments, derived status and over-settlement blocked.
Budgets that tell the truth
Per category, per month, with budget-vs-actual and a forecast that says "not enough data" instead of inventing precision.
An assistant that reads your real numbers
Ask in plain language — or Bangla. Every figure it quotes was computed by the backend, never guessed by the model.
Receipts and bank statements
Photograph a receipt or import a CSV, XLSX or PDF statement. Duplicates are detected and everything is staged for your review.
Savings kept separate
Money set aside reduces spendable cash without being counted as spending — so your saving rate means something.
The assistant cannot touch your money
It has no database access and no SQL. It sees a registry of typed, validated, user-scoped tools, and every figure it reports back was computed by the backend rather than by the model.
Anything that would change a record comes back as a draft with a confirmation token. Nothing is written until you press Confirm.
You type
"I paid 1,200 for groceries at Agora yesterday"
It prepares — and waits
Start with this month
Add your accounts, record a few transactions, and let the reports build themselves as the months accumulate.