Personal Finance OS

Stop guessing whereyour money goes.

FinanceOS gives indie hackers, freelancers, and builders a single dashboard to track spending, protect margins, and grow savings — without the bloat.

Budget

$2685

of $2850 allocated

94% used this month

Subscriptions5 active

$62/mo

$744 per year

Spending over last 10 months

Top Goal

68%

Emergency Fund · $6800 saved

$3200 to go

$0hidden fees
5 minto set up
100%private by default

What's inside

Every tool your finances need. Nothing they don't.

Budget by category

Allocate money to what matters. See at a glance where you're on track and where you're slipping before the month ends.

Expense dashboard

Visual breakdowns by day, week, or month. Filter by category, tag, or amount and spot patterns you'd normally miss.

Subscription tracker

Every recurring charge in one place. Know exactly what you pay per month, per year — and what you can cut.

Savings goals

Set a target, pick a deadline, and watch progress fill in. Whether it's a runway or a vacation, keep it visible.

Transaction history

Full searchable log of every move. Filter, sort, export — your data is yours, always.

Instant insights

Automated summaries surface what changed this month, where you overspent, and what you can improve next cycle.

Privacy first

No bank connections required. You enter what you want. Nothing is sold, nothing is shared.

Smart alerts

Get notified before a subscription renews, when a budget is about to overflow, or when a goal is in reach.

Multi-currency

Work in USD, EUR, ARS, or any currency you need. FinanceOS adapts to where you actually live and earn.

Pricing

Simple pricing. No surprises.

Pick the plan that fits where you are. Upgrade or cancel anytime — no lock-in, no dark patterns.

Free
$0/mo

The essentials. No credit card needed.

Start for free
  • Up to 3 budget categories
  • Last 30 days of transactions
  • 2 savings goals
  • Basic expense view
  • Community support
ProMost popular
$9/mo

Everything you need to take full control.

Get Pro
  • Unlimited budget categories
  • Full transaction history
  • Unlimited savings goals
  • Subscription tracker
  • Expense charts & insights
  • Multi-currency support
  • CSV export
  • Priority support
Lifetime
$149

Pay once. Use forever.

Buy lifetime
  • Everything in Pro
  • Lifetime updates
  • Early access to new features
  • Private Discord community
  • One-time payment

No credit card required for Free. Cancel Pro anytime.

Social proof

Built for people who actually track their money.

From freelancers to founders — here's what they're saying.

I tried every finance app out there. FinanceOS is the first one that actually fits how I think about money as a solo founder.
AR
Alex Rivera@alexbuilds · Indie Hacker
Multi-currency support is a game changer. I earn in USD, spend in EUR and JPY — FinanceOS handles it without drama.
YT
Yuki Tanaka@yukimakes · Digital Nomad
The subscription tracker alone paid for the Pro plan in week one. I had no idea I was bleeding that much on unused tools.
MS
Mara Singh@marafreelance · Freelance Designer
Bought the Lifetime plan after two days on Free. The savings goals feature keeps me honest about my runway every single week.
SO
Sam Okafor@samproduct · Product Manager
Dark mode, clean UI, no bank login required. It's the finance tool I wanted to build myself — glad someone did it first.
TH
Tomás Herrera@tomasdev · Full-stack Developer
The insights tab made me realize I was spending 40% of my income on food and subscriptions. Hard truth, easy fix.
LF
Lea Fontaine@leacreates · Content Creator

FAQ

Questions worth asking.

Straight answers. No marketing fluff.

Still have questions? Reach out anytime.

Your finances deserve a real system.

Set up in 5 minutes. No bank login. No subscription traps. Just clarity.