Finotop

Personal finance organizer for India

Your financial life. Organized.

Manage your bills, investments, loans, insurance, documents and important financial dates from one simple dashboard.

Get Started Free See How It Works
  • Free to start
  • No credit card required
  • Never asks for your banking password

Good evening

Sample data
Your Net Worth
₹38,60,000
+4.2% this month
Assets
₹45,00,000
Liabilities
₹6,40,000
Investments
₹24,80,000
Upcoming payments
₹84,450

Asset allocation

  • Mutual funds 28%
  • Property 27%
  • PPF, NPS & EPF 15%
  • Bank & FDs 14%
  • Stocks 12%
  • Gold 4%

Upcoming

  • HDFC Credit CardDue 18 Sep ₹18,450
  • Home Loan EMIDue 5 Oct ₹42,000
  • LIC PremiumDue 12 Oct ₹24,000

The problem

Your finances are everywhere. Finotop brings them together.

A salary account here, two credit cards there, SIPs on three apps, an FD you almost forgot and insurance renewals buried in email. Keeping it all in your head — or in a spreadsheet you rarely update — is how payments get missed and money gets lost track of.

  • Multiple bank accounts

    Balances spread across salary, savings and joint accounts.

  • Multiple credit cards

    Different statement cycles and due dates every month.

  • SIPs across platforms

    Mutual fund investments on several apps and folios.

  • Insurance renewals

    Health, term, motor and life premiums due at different times.

  • Loan EMIs

    Home, car and personal loan EMIs on different dates.

  • FD maturity dates

    Deposits that mature and auto-renew without you noticing.

  • Tax documents

    Form 16, ITR acknowledgements and investment proofs.

  • Important documents

    Policies, property papers and statements scattered in folders.

  • Payment deadlines

    Late fees and interest when a date slips your mind.

  • Different investment platforms

    Stocks, PPF, NPS, EPF and gold with no combined view.

One financial overview instead of ten apps.

Finotop gives you a single, organized record of what you own, what you owe and what's due next — so you always know where you stand.

Core features

Everything about your money in one place.

Finotop combines a personal financial dashboard, net worth tracker, bill reminder app and document organizer — designed to stay simple.

Financial Dashboard

See your assets, liabilities and important financial information from one place.

Explore the dashboard

Net Worth Tracking

Track bank balances, investments, property, gold and liabilities without spreadsheets.

Track your net worth

Bill & EMI Reminders

Never forget credit card payments, EMIs, insurance premiums or recurring bills.

See reminders

Financial Document Vault

Keep important financial documents organized securely and linked to your accounts.

Open the document vault

AI Financial Assistant

Ask questions about your own Finotop records in plain language and get answers based on the information you've saved.

Meet the AI assistant

  • “What payments are due this week?”
  • “How much do I have invested?”
  • “When does my SBI FD mature?”
  • “What is my current net worth?”

How it works

Get organized in four simple steps.

No bank logins, no complicated setup. Add what matters to you and build your financial picture at your own pace.

  1. Create your Finotop account

    Sign up free in a couple of minutes. No credit card required.

  2. Add your financial information

    Enter your bank accounts, cards, loans, policies and investments with their current values.

  3. Set reminders and organize documents

    Add due dates for bills, EMIs and premiums, and upload the documents that go with them.

  4. See everything from your dashboard

    Check your net worth, upcoming payments and holdings whenever you need them.

You enter your data — and stay in control of it.

In this version of Finotop, accounts, balances and due dates are added manually. Finotop does not automatically connect to your bank, broker or card issuer, which means it works with any institution you use and never needs your banking credentials.

WhatsApp reminders

Your financial reminders, right where you already are.

Emails get buried and app notifications get ignored. Finotop can send your most important financial reminders to WhatsApp, so you see them in time to act.

  • Credit card due dates
  • EMI payments
  • Insurance renewals
  • SIP dates
  • FD maturities
  • Subscription renewals
  • Important custom financial dates
Start Organizing Your Finances More about reminders

Finotop

Financial reminders

Today

Reminder

Your HDFC credit card payment of ₹18,450 is due tomorrow.

Due: 18 September

9:00 AM

Maturity alert

Your SBI fixed deposit of ₹3,00,000 matures on 2 October.

9:01 AM

Net worth tracking

Track your net worth without spreadsheets.

Finotop adds up everything you own, subtracts everything you owe and shows the result on your dashboard. Here's how a typical picture comes together.

Assets

Bank accounts
₹3,20,000
Fixed deposits
₹3,00,000
Mutual funds
₹12,40,000
Stocks
₹5,60,000
PPF
₹3,10,000
NPS
₹1,40,000
EPF
₹2,30,000
Gold
₹2,00,000
Property
₹12,00,000

Total assets₹45,00,000

Liabilities

Home loan
₹5,20,000
Car loan
₹1,01,550
Credit card balances
₹18,450
Personal loan
₹0
Other debts
₹0

Total liabilities₹6,40,000

Net worth

₹38,60,000

₹45,00,000 in assets minus ₹6,40,000 in liabilities.

Try the net worth calculator

AI assistant

Ask questions about your own financial life.

Instead of opening five apps to answer a simple question, just ask. The Finotop assistant looks through the accounts, values and reminders you've saved and replies in plain language.

Your records, not guesswork.

AI responses are based on information you store in Finotop. The assistant does not provide investment advice, and it tells you when it doesn't have the information to answer.

Learn how the assistant works

Ask Finotop

You

What payments are due this month?

Finotop

You have 3 upcoming payments:

  • HDFC Credit Card₹18,450
  • Home Loan EMI₹42,000
  • LIC Premium₹24,000

That's ₹84,450 in total.

Based on reminders saved in your Finotop account.

Security & trust

Your financial information deserves serious protection.

Finotop is designed from the ground up for sensitive financial information, with privacy and access control built into how your data is stored and used.

Finotop never asks for your internet banking password.

  • Secure authentication

    Your account is protected by secure sign-in, and every request is verified before any data is returned.

  • Encryption

    Information is encrypted in transit over HTTPS and encrypted at rest where it is stored.

  • Secure cloud infrastructure

    Finotop runs on established, managed cloud infrastructure rather than self-hosted servers.

  • Private account access

    Every record is tied to your account, and one user's data is never available to another.

  • Controlled document access

    Documents are stored privately — never publicly — and open through short-lived secure links.

  • No banking credentials needed

    You add information yourself, so there's no need to share net banking logins, PINs or OTPs.

  • You stay in control

    You decide what to add, and you can edit or delete your accounts, reminders and documents at any time.

Finotop is a personal financial organization, tracking and reminder platform. It is not a bank, a broker or an investment adviser, and it does not hold or move your money.

Who it's for

Built for people with more than one thing to keep track of.

Salaried Professionals

Manage salary accounts, cards, SIPs, loans and recurring expenses in one organized view.

Families

Keep important family finances, policies and documents organized and easy to find.

Investors

Get a consolidated picture of mutual funds, stocks, deposits and retirement savings.

NRIs

Organize Indian and overseas accounts and obligations across countries and currencies.

Busy Professionals

Stop depending on spreadsheets, calendars and memory for financial deadlines.

Spreadsheet Trackers

Replace the sheet you update once a quarter with a dashboard that stays organized.

Pricing

Simple pricing. Start free.

Begin with the essentials, and upgrade to Finotop Plus when you want WhatsApp reminders, the document vault and the AI assistant.

Free

Get organized and see everything in one place.

₹0

No payment details needed.

  • Limited financial items
  • Basic dashboard
  • Basic reminders
Start Free
Best value: yearly

Finotop Plus

Your complete financial organizer, with reminders on WhatsApp.

₹999/year

About ₹83 a month, billed yearly · or ₹99/month

₹99/month

Billed monthly · or ₹999/year and save ₹189

  • Unlimited financial items
  • WhatsApp reminders
  • Advanced reminders
  • Document vault
  • AI assistant
  • Full net-worth dashboard
Get Finotop Plus

No credit card required to start.

Compare plans in detail

FAQ

Questions, answered.

What is Finotop?

Finotop is a personal financial organization, tracking and reminder platform. It gives you one place to record your bank accounts, credit cards, loans, insurance policies and investments, keep important financial documents organized, get reminders before payments are due and see your net worth on one dashboard. It is built for people in India who manage money across many banks, apps and platforms.

Is Finotop free?

Yes, you can start on the Free plan at ₹0, which includes a basic dashboard, basic reminders and a limited number of financial items. Finotop Plus costs ₹99 per month or ₹999 per year and adds unlimited items, WhatsApp reminders, advanced reminders, the document vault, the AI assistant and the full net-worth dashboard. No credit card is required to start.

Does Finotop connect to my bank?

Not automatically. In the current version you add your accounts, balances, investments and due dates yourself and update them whenever you like. That keeps you in control of what Finotop knows, and it means Finotop works with any bank, card issuer, insurer or investment platform you use.

Does Finotop need my internet banking password?

No. Finotop never asks for your internet banking password, card PIN, CVV or OTPs. You only need your Finotop login. If anyone claiming to be from Finotop asks for these details, do not share them.

Can Finotop send WhatsApp reminders?

Yes. With Finotop Plus you can choose to receive reminders on WhatsApp for credit card bills, EMIs, insurance premiums, SIPs, FD maturities, subscription renewals and your own custom financial dates. Reminders are also shown inside your Finotop account.

Is Finotop an investment advisory service?

No. Finotop is an organization, tracking and reminder tool. It does not recommend investments, provide financial advice or manage money on your behalf. The AI assistant summarizes and calculates information you have stored in Finotop. For advice about your situation, speak to a qualified, registered professional.

How does Finotop calculate net worth?

Net worth is your total assets minus your total liabilities. Finotop adds up the current values you have recorded for assets such as bank balances, mutual funds, stocks, fixed deposits, PPF, NPS, EPF, gold and property, then subtracts outstanding liabilities such as home loans, personal loans, car loans and credit card balances. Because the values come from your own entries, your net worth is as current as your latest update.

Is my data secure?

Protecting your information is central to how Finotop is built. Access requires secure sign-in, data is encrypted in transit and at rest on secure cloud infrastructure, your records are only available through your own account, and documents are stored privately with controlled access. Finotop also never needs your internet banking password.

See all frequently asked questions

Stop managing your financial life from memory.

Bring your accounts, investments, payments, documents and reminders together with Finotop.

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