Net worth, always current
Assets and liabilities reconciled automatically, with every move attributed to markets, savings, or debt paydown — not left for you to guess.
Your personal CFO
Every company has a CFO. Now, so do you.
A CFO doesn’t just record what a company spent — they close the books, forecast what’s coming, flag the risk, and tell leadership what to do next. Finhale does exactly that for your money, automatically, every day — so “can I afford this?” and “am I on track for retirement?” both get real answers, instantly.
Automated, not manualTuned to your numbersBank-grade & read-only
Net worth
Illustrative
₹18,42,000
- Mutual fundsHoldings
- ₹18,60,000
- Stocks and ETFsDemat
- ₹9,40,000
- Bank, cash and FDsSavings and deposits
- ₹4,20,000
- EPF and PPFRetirement
- ₹3,10,000
- Home loanHDFC, 9.2%
- −₹16,48,000
- Credit cardICICI, 27% used
- −₹40,000
Total₹18,42,000
In US dollars≈ $22,100
Converted at ₹83.4 = $1 (January 2026). Illustrative, not a live rate.
Illustrative account, not your data — this is the shape of the number Finhale keeps current, assembled from your accounts and refreshed automatically.
One number, reconciled daily
What net worth looks like, put together
Total net worth
₹18,42,000
▲ ₹52,000 this month
≈ $22,100
| Mutual funds | ₹18,60,000 |
|---|---|
| Stocks & ETFs | ₹9,40,000 |
| Bank, cash & FDs | ₹4,20,000 |
| EPF & PPF | ₹3,10,000 |
| Home loan — HDFC, 9.2% | −₹16,48,000 |
| Credit card — ICICI, 27% used | −₹40,000 |
Illustrative account, not your data — this is the shape of the number Finhale keeps current, assembled from your accounts and refreshed automatically.
The problem
The spreadsheet you stopped trusting
It starts as one tab. Then a second for the mutual funds, a third for the loan amortisation you copied from a PDF. Every month it’s a little more out of date, because updating it means logging into six places and typing numbers by hand — so eventually you stop, and the number you’re making decisions on is three months stale.
No single app fills the gap on its own. Budgeting apps categorise what you spent and stop there. Portfolio trackers value what you hold and stop there. Nobody holds spending, income, assets, and debt in one place — which is exactly why the spreadsheet existed in the first place.
Why this matters
The insights that actually change a decision —should I prepay this loan or invest the cash? — need spending, income, assets, and liabilities in one consented dataset at once. Single-domain apps structurally can’t produce them. That’s the entire point of holding it all together automatically — not something any single feed can do by itself.
Where the others stop
Budgeting apps, portfolio trackers, spreadsheets, Finhale
| Capability | Budgeting apps | Portfolio trackers | Your spreadsheet | Finhale |
|---|---|---|---|---|
| Where the money went | Yes | No | Yes | Yes |
| What you own | No | Yes | Yes | Yes |
| Both in one total | No | No | Yes | Yes |
| Stays current without you | Yes | Yes | No | Yes |
| Your currency's own conventions | No | Sometimes | Yes | Yes |
| Local instruments as themselves | No | Sometimes | Yes | Yes |
| A financial year that starts where yours does | No | No | Yes | Yes |
Compared as categories of tool rather than named products, because that is the shape of the gap: it is not that one app does this badly, it is that none of them were built to hold both halves at once.
What it does
Understand your money as it moves
Accounts, connected
Banks, cards, mutual funds, demat, EPF, NPS, and your credit report — linked once, refreshed on their own from there.
Spending, categorised
Every transaction sorted automatically, subscriptions flagged before they renew, a safe-to-spend number that recalculates itself daily.
Goals, prioritised
Set a target, see if you’re on pace, and know exactly which goal to fix first when the numbers say you’re falling behind.
Sample insight
“Your home loan costs 9.2% while your debt fund yields ~6% — prepaying may beat investing here.”
Sample insight
“₹42,000 is sitting idle in savings earning ~3% — worth moving to a liquid fund.”
Sample insight
“Financial Health Score: 74/100 — strong on savings, weak on emergency fund.”
Two halves, one app
What you spend. What you own.
Outflow
What you spend
Categories and budgets, applied automatically to every transaction.
- Recurring payments and subscriptions tracked, with price-hike and unused-service alerts
- Needs, wants, and savings split on every rupee — the 50/30/20 view, done for you
- A safe-to-spend number for the rest of the month, recalculated daily
Position
What you own
Assets and liabilities in one register — mutual funds, stocks, EPF, NPS, property, loans, cards.
- Allocation across asset classes, and how far it’s drifted from target
- Net worth over time, with the change attributed to savings, markets, or debt paydown
- Credit health tracked alongside everything else, not in a separate app
Built for where you bank
Money, your way
India
| Grouping | ₹18,42,000 — lakh/crore |
|---|---|
| Financial year | April – March |
| Data rails | Automated, bank-grade sync |
| Tax tagging | 80C, 80D, HRA, business expense |
Everywhere Finhale is expanding to
| Grouping | $22,100 — thousands |
|---|---|
| Financial year | Calendar year |
| Data rails | Manual entry, while local feeds connect |
| Tax tagging | Coming as each market is added |
Getting started
How it works
01
Connect your accounts
In India, link through a secure, RBI-regulated consent flow and approve once — it refreshes on its own from there. Elsewhere, add accounts manually; either way, it takes about three minutes.
02
Let it work
Transactions categorise themselves, subscriptions get flagged, holdings stay priced — without you opening five different apps to check.
03
See one number
Spending and holdings reconcile into a single net worth, with the insights that explain how — and why — it moved this month.
Who it’s for
People who keep their own books.
Spreadsheet keepers, four-app jugglers, and anyone who stopped believing the total at the bottom. Finhale is built for them.
Notes
Writing, on the way
Notes on net worth, debt and investing, and credit health. Publishing soon.
Debt & investing
The prepay-vs-invest question, answered with your numbers
Net worth
Why net worth is the only number that matters
Credit health
Reading your credit score like a P&L
Tell us how you track your money right now
Spreadsheet, three apps, or memory — we want to know what Finhale needs to replace for you.
Or write to us directly — company@finhale.app