FinWise turns your bank SMS, account statements and scanned bills into a live picture of every rupee — spending, loans, EPF, business P&L, tax reports. No linking accounts. Your data never leaves your device.
Free 5-day PRO trial · Android · ~24 MB · or use it in your browser — web app setup guide
FinWise reads transaction SMS locally and organises them — no bank login, no data upload.
Every debit, credit, EMI and bill from your bank SMS — categorised automatically, tap any number to see the exact message behind it.
A live verdict before you spend — SAFE to BLOCK — based on your real balance, EMIs and days to payday.
Day / month / year trends, category donut, and a tap-through to the SMS behind every rupee.
Cash-basis P&L, balance sheet and bank reconciliation — flag any spend as business, ready for your CA.
FY-wise income & deductions (80C / 80D / 24 / 80E) in a shareable statement your CA can work from.
Insurance, banks, investments, EPF and legal docs — family-recoverable, encrypted, on your device.
Apple does not let any app read your messages — that is an iOS rule, not a FinWise limitation. So on iPhone, FinWise runs in your browser and transactions reach it a different way. Set-up is a little more work than Android, and honest about it below.
Open app.indfinops.com in Safari, tap Share → Add to Home Screen. It then opens full-screen like a normal app, and your data stays on your device.
In FinWise go to More → Auto-Sync (iPhone & Email) and tap Enable. You get a personal link. An Apple Shortcuts automation then forwards each bank SMS to it as it arrives — no copying, no pasting. New transactions wait in your Transaction Inbox for a one-tap confirm, so nothing is added to your books without you seeing it.
Auto-Sync only catches messages from the moment you switch it on. To bring in the months before that, upload your bank statement — PDF, CSV or Excel — from More → Import Statement. Email forwarding is on the way and is not available yet.
Everything else — budgets, loans, goals, the vault, CA reports — works exactly as it does on Android.
Start with a 5-day PRO trial. Pay by UPI when you're ready — no card needed.
During beta every payment is verified by a human — pay by UPI, submit in-app, PRO unlocks on approval.
Download the app and create your account. You get a 5-day PRO trial instantly.
Open Subscription in the app and scan the QR for your chosen plan.
Attach the payment screenshot in the app — FinWise reads the transaction ID from it automatically.
We cross-verify the transaction and approve — PRO activates on your phone automatically.
Direct APK — not on the Play Store, because reading your bank SMS on-device is what makes FinWise work, and that's exactly what app-store rules restrict.
Quick email check before the download unlocks — keeps this link safe from bots and scrapers.
Android shows two extra prompts for any app installed outside the Play Store — “Allow from this source” and a Play Protect scan notice. Both are normal for direct downloads and neither means anything is wrong. Tap through them and the guide below walks you through each screen.
🧭 Having trouble? Open the visual step-by-step guide →