Finanjo - AI Personal Finance
Credit Score, Loans & Cards
Only for iPhone
Free · Designed for iPhone. Not verified for macOS.
Money shouldn't feel confusing.
Or heavy.
Or like something you avoid until the end of the month.
Finanjo is an AI-powered personal finance app that helps you see your money clearly, track your credit score, manage credit cards, and understand your loans, without spreadsheets, guilt, or constant effort.
Connect your bank accounts and credit cards once, and Finanjo quietly does the work in the background. It tracks your money, checks your credit score, organises your spending, and shows you what's actually happening, so you can make better decisions naturally.
No judgement. No pressure. Just clarity.
Finanjo lets you:
See all your bank balances and credit cards in one place with Pocket Power.
Check your credit score for free and understand what's helping or hurting it.
Automatically track and categorise every transaction, UPI, card, or cash.
Get AI suggested budgets based on how you really spend.
Understand where your money goes, without manually logging anything.
Track your loans and EMIs alongside your everyday spending.
Split expenses with friends or groups, clearly and fairly.
Track cash flow and compare month to month.
Meet Jo, your AI assistant, ask anything about your money and get instant, clear answers.
Stay aware, not anxious, about your finances.
Finanjo is built on the RBI-regulated Account Aggregator framework, so your data stays secure, encrypted, and always in your control. Finanjo Ventures is a SEBI Registered Investment Adviser, backed by AJVC.
Finanjo isn't here to tell you what to do with your money.
It's here to help you understand it.
When you understand your money, better choices follow on their own.
Don't just spend. Understand.
more A weekly breakdown
Get your key money moves delivered straight to your inbox with our brand-new Weekly Report.
Refreshed daily view
A redesigned Daily Insights UI gives you a cleaner, faster look at today's spending and momentum.
Track your progress
A new Credit Score History Graph lets you visually trace your credit journey over time.
Under the hood
Performance boosts, smoother navigation, and routine bug fixes to keep things running seamlessly.
1.2.54 Oct 3
A fresh welcome
A new 30-second intro video on the login screen shows you what Finanjo can do before you sign in.
Better analytics
Clearer, more detailed insights into your spending and finances.
Under the hood
Fixes to the consent flow, plus bug fixes and performance improvements.
1.2.53 Sep 29
A quick tour when you open the app
A new walkthrough shows you around all of Finanjo's key features, so you know exactly what you can do from the start.
Under the hood
Bug fixes and performance improvements.
1.2.52 Sep 19
Loan Against Securities, now on Finanjo
Borrow against your investments without selling them. We've partnered with Piramal Finance to bring you a competitive rate, passed on directly to you with no margin added on our end. Check your eligibility right inside the app.
Credit score analysis, in your language
Interactive credit score guidance with voice, now available in multiple languages. Understand exactly what's helping and hurting your score, explained clearly.
Better investment reporting
A clearer, more detailed view of your holdings and how they're performing.
Under the hood
Bug fixes and performance improvements.
1.2.51 Sep 17
Make the home screen yours
Customise your home screen layout so the things you care about most are always front and centre.
Credit score, explained out loud
An interactive credit score analysis with voice guidance, walking you through what's helping and hurting your score.
Cashflow at a glance
A new home screen widget to see your cashflow without opening the app.
Under the hood
Bug fixes and performance improvements.
1.2.50 Sep 15
Ask about any merchant or person
Search your transactions and get a summary of your total spending with any merchant or individual, instantly.
Grow, refreshed
An updated design for your holdings and Grow module, along with more accurate data.
Notification updates
Improvements to how and when you’re notified.
Under the hood
Bug fixes and performance improvements.
1.2.48 Aug 22
Check your credit score, free
See your credit score right inside Finanjo, along with what's helping or hurting it.
Smoother consent experience
Connecting your bank accounts and credit cards is now clearer and more transparent.
Real-time bank connection health
Finanjo now monitors your connected accounts in real time, so you know instantly if something needs your attention.
Connect your investments
Bring your mutual funds and other investments into Finanjo for a complete picture, alongside your bank accounts and cards.
Never miss a failed connection
Get notified right away if an account connection fails, so you can fix it before it affects your insights.
Under the hood
Bug fixes and performance improvements.
1.2.47 Aug 14
Smoother consent experience Connecting your bank accounts and credit cards is now clearer and more transparent.
Grow, redesigned A cleaner, more intuitive look for tracking your investment portfolio.
Under the hood Bug fixes and performance improvements.
1.2.46 Aug 8
Split, made simple
A more comprehensive way to split expenses with friends, cleaner, faster, and easier to track.
Refined consent flow
Connecting your bank accounts and credit cards is now smoother and more transparent.
Grow, redesigned
A fresh new look for the Grow module.
Weekly money insights
Get a quick recap of your spending, delivered every week.
Under the hood
Bug fixes and performance improvements.
1.2.45 Aug 1
Split, made simple
A more comprehensive way to split expenses with friends, cleaner, faster, and easier to track.
Refined consent flow
Connecting your bank accounts and credit cards is now smoother and more transparent.
Grow, redesigned
A fresh new look for the Grow module.
Weekly money insights
Get a quick recap of your spending, delivered every week.
Under the hood
Bug fixes and performance improvements.
1.2.44 Jul 31
• Money Story: Get an instant financial recap as soon as you connect your accounts.
• Revamped Consent Flow: A simpler, conversational experience to connect your accounts.
• Manual Refresh: Update your financial data anytime with a tap.
• Improved Jo: A faster, smarter AI companion to help you understand and manage your money.
Plus, performance improvements and bug fixes.
1.2.43 Jul 24
Your Money Story
The moment you connect your accounts, get a personalised recap of your finances. See where your money has been going, all in one place.
Improved cash flow view
A clearer, more intuitive look at what's coming in and going out.
Improved Jo
Pin, review and give feedback on chats with Jo.
Review your transactions
Go through your transactions more easily and catch anything that needs a second look.
Under the hood
Bug fixes and performance improvements.
1.2.42 Jul 17
AI-powered onboarding
Getting started is now smarter and more personal. Jo guides you through setup and gets to know your finances from the very first tap.
Subscription Manager is here
See every subscription you are paying for, across your bank accounts and credit cards, in one place. Spot the ones you forgot about and take back control of your money.
Under the hood
Performance improvements and bug fixes for a smoother, more reliable experience.
1.2.41 Jul 10
AI-powered onboarding
Getting started is now smarter and more personal. Jo guides you through setup and gets to know your finances from the very first tap.
Subscription Manager is here
See every subscription you are paying for, across your bank accounts and credit cards, in one place. Spot the ones you forgot about and take back control of your money.
Under the hood
Performance improvements and bug fixes for a smoother, more reliable experience.
1.2.39 Jul 7
Effortless onboarding
A faster, more intuitive setup so you can start managing your money with less friction.
Simpler bank connections
Granting bank consent is now quicker and more transparent. Link your accounts securely in just a few taps.
Under the hood
Performance improvements and bug fixes to keep your financial tracking smooth and reliable
1.2.38 Jul 1
Streamlined Transactions: A cleaner, faster layout to find your history instantly.
Upgraded Jo: Our AI assistant is now sharper, more purposeful, and easier to chat with.
Faster Card Setup: A quicker, more reliable way to link your credit cards.
Autonomous AI Agents: Specialized AI assistants now collaborate to solve complex financial tasks for you.
Performance Boosts: Under-the-hood security updates and bug fixes.
1.2.37 May 28
Streamlined Transactions: A cleaner, faster layout to find your history instantly.
Upgraded Jo: Our AI assistant is now sharper, more purposeful, and easier to chat with.
Faster Card Setup: A quicker, more reliable way to link your credit cards.
Autonomous AI Agents: Specialized AI assistants now collaborate to solve complex financial tasks for you.
Performance Boosts: Under-the-hood security updates and bug fixes.
1.2.36 May 21
Streamlined Transactions: A cleaner, faster layout to find your history instantly.
Upgraded Jo: Our AI assistant is now sharper, more purposeful, and easier to chat with.
Faster Card Setup: A quicker, more reliable way to link your credit cards.
Autonomous AI Agents: Specialized AI assistants now collaborate to solve complex financial tasks for you.
Performance Boosts: Under-the-hood security updates and bug fixes.
1.2.35 May 19
A new way to see your transactions
Cleaner, faster, easier to navigate. Finding what you need takes less effort.
Jo feels different
Jo has a sharper, more purposeful feel. Ask anything — the experience is more intuitive than ever.
Smoother credit card setup
Adding your credit card is now quicker and more reliable.
Agents can now coordinate with each other to solve complex financial tasks autonomously.
Little things that add up
Under the hood
Security updates and bug fixes.
1.2.34 May 16
A new way to see your transactions
Cleaner, faster, easier to navigate. Finding what you need takes less effort.
Jo feels different
Jo has a sharper, more purposeful feel. Ask anything — the experience is more intuitive than ever.
Smoother credit card setup
Adding your credit card is now quicker and more reliable.
Little things that add up
Better animations, refined interactions, and overall experience improvements throughout the app.
Under the hood
Security updates and bug fixes.
1.2.33 May 14
Smoother credit card setup Adding and detecting your credit cards is now faster and more reliable.
Refer and Earn, improved A better experience for sharing Finanjo and tracking your rewards.
Home screen updates Small but meaningful improvements to how your financial snapshot looks.
Under the hood Stability and security improvements across the app.
1.2.32 May 8
Your credit cards, finally in one place
Connect your credit cards and see all your spends — bank and card — in a single dashboard. No more switching between apps to figure out where your money went.
Jo now sees the full picture
With your credit card data connected, Jo can give you sharper insights on your spending patterns, flag unusual charges, and tell you exactly where your money is going every month.
One dashboard. All accounts. Zero guesswork.
1.2.31 May 6
What’s New
Your credit cards, finally in one place
Connect your credit cards and see all your spends — bank and card — in a single dashboard. No more switching between apps to figure out where your money went.
Jo now sees the full picture
With your credit card data connected, Jo can give you sharper insights on your spending patterns, flag unusual charges, and tell you exactly where your money is going every month.
One dashboard. All accounts. Zero guesswork.
1.2.30 May 4
Improved Pocket Power
Add your bank accounts directly from Pocket Power for a faster experience.
Skip for Now
Explore Finanjo first and connect your account later.
Smoother Experience
Cleaner animations, better navigation, and a more accurate SIP calculator.
Minor Bug Fixes
Fixed small bugs for a smoother, more reliable experience.
1.2.29 Apr 25
Improved Pocket Power Section You can now add your bank accounts directly from pocket power.
Skip for now Not ready to add an account? You can explore Finanjo first and connect later.
Smoother experience Cleaner animations, better navigation, and an improved SIP calculator to plan your investments with more accuracy.
1.2.28 Apr 24
A weekly breakdown
Get your key money moves delivered straight to your inbox with our brand-new Weekly Report.
Refreshed daily view
A redesigned Daily Insights UI gives you a cleaner, faster look at today's spending and momentum.
Track your progress
A new Credit Score History Graph lets you visually trace your credit journey over time.
Under the hood
Performance boosts, smoother navigation, and routine bug fixes to keep things running seamlessly.
more Version 1.2.54 Oct 3
Data Not Collected The developer does not collect any data from this app.