Features

Everything derives from one definition of how money moves.

The eight movement types

Defined once, in one file. Every balance, KPI, report and forecast follows from this table.

+ আয় উপার্জিত টাকা
- ব্যয় খরচ করা টাকা
- সঞ্চয় জমিয়ে রাখা টাকা — এটি খরচ নয়
± ট্রান্সফার নিজের এক অ্যাকাউন্ট থেকে আরেকটিতে
+ ঋণ নেওয়া ঋণ নিয়েছেন — এটি আয় নয়
- ঋণ পরিশোধ ঋণ শোধ করেছেন — এটি খরচ নয়
- ধার দেওয়া অন্যকে ধার দিয়েছেন — এটি খরচ নয়
+ ধার ফেরত পাওয়া ধার ফেরত পেয়েছেন — এটি আয় নয়

Transactions

One central store rather than a sheet per month or year. Filter by type, category, account, person, amount range and date range; sort by date, amount or description; export any view to CSV, Excel or PDF.

Accounts

Cash, bank, mobile wallets, cards, savings and investments. Balances are derived from history, never stored — so correcting an old transaction rewrites every total downstream correctly.

Budgets

Per category, per month or per year, with a warning threshold you choose. Budget-vs-actual, progress, and alerts before you cross the line rather than after.

Loans and lending

Both directions, with partial repayments, derived status and over-settlement blocked. Borrowing raises cash and debt; it is never filed as income.

Reports and forecasting

Monthly, yearly, category, account, loan and budget reports for any period. Forecasts come from run-rate, history and known recurring charges — and say "not enough data" rather than inventing a number.

Imports and receipts

CSV, XLSX and PDF bank statements with duplicate detection and a staged review. Photograph a receipt and the details are extracted for you to check before anything is saved.

FINEX

A private, AI-assisted personal finance manager. Your numbers stay yours.

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