Finscious

Finscious — Sharpen Your Financial Consciousness. Finscious is a personal budgeting and net-worth app built around how you actually spend money in India: envelopes for your salary, automatic capture of your bank SMS, and one screen that always tells you what's safe to spend today. BUDGET BY ENVELOPE Split every salary into six envelopes — Needs, Wants, Loans, Investments, Insurance, and Savings — set once each pay cycle. Finscious tracks what you've spent against each one automatically. KNOW WHAT'S SAFE TO SPEND, TODAY The Today screen shows exactly how much you can safely spend right now, recalculated as your month unfolds — not just what's left over at month-end. AUTOMATIC BANK SMS CAPTURE (OPTIONAL) Finscious can read your bank's transaction alerts as they arrive and turn them into categorised transactions in one tap. Parsing happens entirely on your device — the message text never leaves your phone, only the transaction details do. This permission can be declined or turned off at any time; every feature still works with manual entry. NET WORTH, IN ONE SCREEN Eight asset categories and seven liability categories cover everything you own and owe. Log a payment toward a loan and the balance updates automatically; record an investment and it's reflected in your net worth without a second step. SCHEDULED PAYMENTS Track upcoming bills, EMIs, and subscriptions — fixed or variable, mandatory or optional — so nothing catches you by surprise. BILL VAULT Photograph and store receipts and bills, encrypted, so you never lose one. VYOM SCORE A private financial-fitness score built from your own savings rate, budget discipline, and spending consistency. See your score and how it compares — nothing about it is shared publicly. LOAN CALCULATOR Run "what-if" EMI scenarios before you borrow — a planning sandbox, not a loan offer. REPORTS See your spending trends over time, by envelope and by month. HOUSEHOLD MODE Share one combined budget with a partner. Link accounts with a live join code and manage money together. NRI & MULTI-CURRENCY Set your base currency once and every screen converts automatically. BUILT ON PRIVACY No ads. No third-party trackers or analytics SDKs. Sensitive data is encrypted with per-user keys. Your data is processed and stored in India. Finscious is not a bank, lender, payment service, or investment advisor — it's a tool for understanding and planning around money you already have.