Your complete
financial intelligence
platform
Track every dollar, plan your budgets, calculate loans, and achieve your savings goals — all in one beautifully designed workspace built for serious personal finance.
Built for real financial clarity
Six integrated modules working together so you always know exactly where you stand financially.
Smart Transaction Tracking
Log every income and expense with categories, notes, and dates. Filter and search across your entire history instantly.
- 16 built-in categories with colour coding
- Full edit, delete, and search
- CSV import & export
Budget Planner
Set monthly spending limits per category and get a real-time view of how much you've used — before you overspend.
- Per-category monthly budgets
- Visual progress bars with alerts
- Remaining balance at a glance
Savings Goals
Create goals with target amounts and deadlines. Watch your progress on animated rings and get told exactly how much to save each month.
- Animated circular progress rings
- Monthly contribution calculator
- Deadline countdown tracker
Loan Calculator
Calculate mortgage, auto, personal, and student loans with full amortization schedules. See the true cost of borrowing before you commit.
- 5 loan types with down payment
- Extra payment savings analysis
- Full month-by-month amortization table
Reports & Analytics
Interactive charts showing your cash flow, spending by category, and trends over any time period — daily, weekly, monthly, or yearly.
- Cash flow bar charts
- Category breakdown with donut charts
- Flexible period filtering
Multi-Currency Support
Work in any of 10 major currencies. Switch your display currency at any time in settings with instant recalculation across all views.
- USD, EUR, GBP, JPY, CAD + 5 more
- Instant currency switching
- Properly formatted symbols
Up and running in seconds
No bank connections, no subscriptions to start, no learning curve. Just open and go.
Create your account
Sign up with just a name, email, and password. No payment required. Your account lives on your device.
Add your finances
Log your income and expenses, set up monthly budgets, and create savings goals with your target amounts.
Gain clarity & act
Your dashboard shows exactly where money goes. Use the reports and loan calculator to make smarter decisions.
Know the true cost before you borrow
Try our loan calculator right now. Adjust any value and see your monthly payment and total interest recalculate instantly.
- Mortgage, auto, personal, student loans
- Full amortization schedule — every month
- See how extra payments save thousands
Free forever. No strings attached.
Every feature you see is yours at no cost — no trial period, no credit card, no hidden tiers. We believe powerful financial tools should be accessible to everyone.
Full access to every feature, for every user, with no expiry.
Get Started — It's FreeFinanceOS Pro — Coming Soon
We are actively developing a Pro edition of FinanceOS packed with advanced capabilities designed for users who want a deeper, more connected financial experience.
Bank Account Sync
Connect directly to your bank and have transactions imported and categorised automatically — no manual entry required.
AI-Powered Insights
Receive personalised spending insights, anomaly detection, and smart forecasts based on your unique financial patterns.
Cloud Sync & Multi-Device
Your data securely synced to the cloud, available across all your devices in real time — phone, tablet, and desktop.
Family & Shared Budgets
Invite household members to collaborate on shared budgets and goals, with individual spending privacy maintained.
Native Mobile & Desktop Apps
Dedicated apps for Android, iOS, Windows, and macOS — built natively for the best possible experience on every platform.
Advanced Reporting & Tax Tools
Exportable tax-ready reports, net worth tracking over time, and custom report builders for accountants and power users.
Trusted by people who take finances seriously
"Finally a finance app that doesn't try to access my bank accounts. I enter everything manually and the clarity I get from the dashboard is unreal. Best decision I made for my finances."
"The loan calculator alone saved me from a terrible mortgage decision. I could see the full amortization schedule and how much I'd save by putting an extra $200/month toward principal."
"I've tried Mint, YNAB, and Monarch. FinanceOS is the first one where I actually understand my finances. The budget planner keeps me honest and the goals feature is genuinely motivating."
Common questions
Start mastering your finances today
Free to start. No bank connection needed. Runs on every device. Your data stays yours.
No credit card · Works offline · Installs on any device