Available on Google Play Store

Your Personal
Finance Friend

Track expenses, manage budgets, set savings goals, and achieve financial freedom with smart AI-powered insights. Take control of your money today.

20+
Powerful Features
100%
Free to Use
🔒
Your Data is Private

Everything You Need to Manage Money

Finance Friend packs 20+ powerful tools into one beautifully designed app

📊

Smart Dashboard

Get a real-time overview of your finances with a fully customizable dashboard. View balances, recent transactions, and spending trends at a glance.

💸

Expense & Income Tracking

Easily add, edit, and categorize all your transactions. Support for multiple categories, tags, notes, and recurring entries makes tracking effortless.

📈

Analytics & Charts

Visualize your spending patterns with beautiful, interactive charts. See category breakdowns, daily/weekly/monthly trends, and income vs expense comparisons.

💰

Budget Management

Set monthly or category-wise budgets and track progress in real time. Get notifications when you're approaching or exceeding your limits.

🎯

Savings Goals

Set financial goals — whether it's a vacation, emergency fund, or a new gadget. Track your progress and celebrate milestones along the way.

🏥

Financial Health Score

Get a personalized financial health score based on your spending habits, savings rate, and budget adherence. Receive actionable tips to improve it.

🔔

Bill Reminders

Never miss a payment. Set reminders for rent, utilities, subscriptions, and more. Get notified before due dates so you stay on top of every bill.

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Split Expenses

Easily split bills with friends, roommates, or family. Calculate each person's share instantly and keep track of who owes what.

📱

Subscription Tracker

Track all your recurring subscriptions — Netflix, Spotify, gym, cloud storage, and more. See total monthly cost and identify subscriptions you can cancel.

🏦

EMI Calculator

Calculate EMIs for loans instantly. Input principal, interest rate, and tenure to get exact monthly payments, total interest, and amortization details.

💹

Cash Flow Analysis

Monitor your income vs expenses over time with detailed cash flow analysis. Understand where your money goes and identify trends to optimize spending.

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Net Worth Tracker

Track your total assets and liabilities to calculate your real net worth. Add bank accounts, investments, properties, loans, and credit card balances.

🏆

Savings Challenges

Make saving fun with built-in challenges like the 52-week challenge, no-spend days, and custom goals. Stay motivated and build better financial habits.

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Monthly Summary Reports

Get comprehensive monthly financial reports showing total income, expenses, savings rate, top categories, and comparison with previous months.

🏷️

Smart Tags

Intelligent tagging system that automatically categorizes your transactions. Create custom tags, filter by tags, and get insights on tagged spending patterns.

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Transaction Templates

Create templates for frequently used transactions. Add recurring expenses like rent, groceries, or subscriptions with just one tap using saved templates.

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Custom Report Builder

Build custom financial reports by selecting date ranges, categories, and data points. Export reports for personal records or sharing with financial advisors.

⚙️

Customizable Dashboard

Personalize your home screen by choosing which widgets and data cards to display. Arrange them in your preferred order for the perfect financial overview.

🔒

App Lock & Security

Protect your sensitive financial data with a PIN lock. Your information stays private and secure, accessible only to you.

🌙

Dark Mode

Enjoy a beautiful dark theme that's easy on the eyes. Perfect for nighttime use and helps save battery on AMOLED screens.

Privacy Policy

Your privacy matters to us. Read the full policy or view the dedicated Privacy Policy page.

Last Updated: May 1, 2026

1. Introduction

Finance Friend ("we", "our", or "us") is a personal finance management application developed by Vinkal. We are committed to protecting your privacy. This Privacy Policy explains how we collect, use, store, and protect information when you use our mobile application ("App"), available under package name com.vinkal.financefriend.

2. Information We Collect

Finance Friend is designed with a privacy-first, offline-first approach.

A) Data Stored Locally on Your Device:

  • Financial Data: Transaction records (income, expenses), budget settings, savings goals, bill reminders, subscription details, EMI calculations, net worth entries, and other financial data you manually enter.
  • Preferences: App settings, theme preferences, dashboard customization, notification preferences, and currency settings.
  • Security Data: Your app lock PIN (stored locally in encrypted form).

All the above data is stored entirely on your device. No user accounts or login credentials are required. We do not operate any cloud servers or databases.

B) Data Collected by Third-Party Services (Google AdMob):

Finance Friend uses Google AdMob to display advertisements. When ads are displayed, Google AdMob may automatically collect:

  • Device Identifiers: Advertising ID (Google Advertising ID / AAID)
  • IP Address: Your device's Internet Protocol address
  • Device Information: Device model, OS version, screen size, language settings
  • App Interaction Data: Ad impressions, clicks, and engagement data

This data collection is performed by Google, not by Finance Friend directly. We do not have access to or store any of this data. See Google's Privacy Policy.

3. Advertisements & Google AdMob

Finance Friend is a free, ad-supported application. We use Google AdMob to display banner, interstitial, and rewarded ads.

  • Personalized Ads: Google may use your Advertising ID and browsing history to show relevant ads.
  • Non-Personalized Ads: If you opt out of ad personalization, you will still see ads but they won't be based on your personal data.
  • Internet Requirement: While core App features work offline, an internet connection is needed for loading ads.

4. Third-Party Services

Finance Friend integrates the following third-party service:

  • Google AdMob (by Google LLC) — for displaying advertisements. Privacy Policy: policies.google.com/privacy
  • Google Play Services (by Google LLC) — for app distribution & updates.

We do not use any analytics tools (Google Analytics, Firebase Analytics, etc.) to track usage behavior.

5. Data We Do NOT Collect

  • We do NOT collect your name, email, phone number, or personal identification through the App.
  • We do NOT access your contacts, camera, microphone, or GPS location.
  • We do NOT sell, rent, or share your locally stored data with third parties.
  • We do NOT track your usage behavior or create user profiles.

6. Data Export & Backup

Finance Friend allows you to export your financial data. Exported files are saved directly to your device. No data is uploaded to any server during export.

7. Local Notifications

Notifications for bill reminders and budget alerts are generated entirely on your device without any server communication.

8. Your Rights & Choices

  • Delete Data: Use "Clear All Data" in Settings, clear App data via device settings, or uninstall the App.
  • Reset Advertising ID: Settings → Google → Ads → Reset Advertising ID.
  • Opt-Out of Personalized Ads: Settings → Google → Ads → Opt out of Ads Personalization.

9. Children's Privacy

Finance Friend is not directed at children under 13. We do not knowingly collect personal information from children. Ads displayed are configured for general audiences.

10. Security

  • Optional PIN lock to prevent unauthorized access.
  • All personal financial data stays on your device.
  • No cloud storage means no risk of server-side data breaches.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated date. Continued use of the App constitutes acceptance.

12. Contact Us

📄 View Full Privacy Policy →

Terms of Service

Please read these terms carefully before using Finance Friend.

Last Updated: May 1, 2026

1. Acceptance of Terms

By downloading, installing, or using Finance Friend ("the App"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the App.

2. Description of Service

Finance Friend is a free, ad-supported personal finance management application that helps users track expenses, manage budgets, set savings goals, and gain insights into their financial habits. The App is supported by advertisements served through Google AdMob.

3. User Responsibilities

  • You are responsible for the accuracy of the financial data you enter into the App.
  • You are responsible for maintaining the security of your device and the App's PIN lock.
  • You should regularly back up your data using the App's export features.
  • You must not use the App for any illegal or unauthorized purpose.

4. Disclaimer of Warranties

Finance Friend is provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee that the App will be error-free, uninterrupted, or meet your specific requirements. The App is not a substitute for professional financial advice.

5. Limitation of Liability

To the fullest extent permitted by law, Vinkal (the developer) shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of the App. This includes, but is not limited to, loss of data, financial losses, or any damages arising from reliance on information provided by the App.

6. Financial Disclaimer

Finance Friend provides tools for personal financial tracking and analysis only. The App does not provide financial advice, investment recommendations, or tax guidance. Always consult a qualified financial advisor for professional financial decisions.

7. Intellectual Property

All content, design, code, graphics, and trademarks in Finance Friend are the intellectual property of Vinkal. You may not copy, modify, distribute, or reverse-engineer any part of the App without prior written consent.

8. Advertisements

Finance Friend displays advertisements through Google AdMob. By using the App, you acknowledge that ads will be displayed, an internet connection may be required for loading ads, and ad content is provided by third-party advertisers. We are not responsible for products or services offered through advertisements.

9. Updates & Changes

We reserve the right to update, modify, or discontinue any features of the App at any time. We may also update these Terms of Service, and continued use after changes constitutes acceptance.

10. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of India. Any disputes arising from these terms shall be resolved in the courts of India.

11. Contact

For any questions about these Terms of Service, please contact:

📄 View Full Terms of Service →

Ready to Take Control of
Your Finances?

Download Finance Friend today and start your journey to financial freedom. It's free, private, and powerful.

Download on Google Play