Couple
Track shared expenses with your partner. See who paid what and keep things balanced.
Coming soon on iOS & Android
Split expenseswithout the awkwardness.
Track shared expenses with friends, couples, roommates, and travel groups. Or go solo. FINO makes money between people simple.
✨ Multiple modes
One app, every
kind of split.
Whether you're sharing rent or splitting a holiday, FINO adapts to how you spend together.
Friends
Dinner out, concert tickets, weekend trips. Split anything instantly with your crew.
Roommates
Rent, utilities, groceries. Recurring expenses that take care of themselves every month.
Travel
Multi-currency support, daily tracking, and instant settlements when the trip ends.
Solo mode
Just tracking your own spending? FINO works perfectly as a personal expense tracker too.
⚡ Features
Everything to make
money between people easy.
Core feature
Split it any way you want.
Equal, custom, percentage, or exclude members. Whether it's a €12 coffee run or a €3,000 vacation rental, choose how to divide the cost in one tap.
Smart
Settle up without the headache.
FINO minimizes the number of payments needed. Six debts become two simple transfers. Mark payments as done with one tap.
🚀 Getting started
Up and running
in 30 seconds.
No sign-up walls. No credit card. Just download and start splitting.
- 1
Create a group
Name it, invite your people via link, QR code, or phone contacts.
- 2
Add expenses
Who paid? How much? Split it equally, with custom amounts, or by percentage.
- 3
Settle up
FINO calculates who owes whom. Mark payments as done. That's it.
🧾 Why we're building FINO
Splitting money with
people still sucks.
Spreadsheets get abandoned. Group chats turn into accounting. Someone always "forgets." We think there's a better way.
Spreadsheets are for accountants
Nobody wants to open a shared sheet on vacation. By day three of the trip, it stops getting updated.
Group chats aren't ledgers
Scrolling through 400 messages to figure out who paid for the Airbnb is not a feature — it's a bug.
Multi-currency is a real problem
You paid in THB, your friend paid in EUR, and dinner was in USD. Today that means doing the math. Tomorrow it shouldn't.
FINO is in active development. Join the waitlist to help shape what we build and get early access when we launch. Join the waitlist →
❓ FAQ
Questions? Answers.
When does FINO launch?
We're in active development and aim to launch on iOS and Android in the coming months. Join the waitlist and we'll email you the moment it's ready — no other emails in between.
Will FINO be free?
Yes. Core features — creating groups, adding expenses, splitting, and settling — will be completely free, with no ads. We're also planning an optional Premium tier for power users who want receipt scanning, spending insights, and unlimited history export.
Do all group members need the app?
No. You'll be able to add anyone by name and track their share. They only need the app if they want to view the group themselves, add expenses, or mark payments as settled.
How will multi-currency work?
Each group will have a base currency. When you add an expense in a different currency, FINO converts it automatically using real-time exchange rates, and you see both amounts.
What's the difference between FINO and Finovoo?
FINO is for individuals splitting expenses with friends, roommates, partners, and travel groups. Finovoo is our B2B product for companies managing business expenses, approvals, invoices, and budgets. Different products, same team.
Can I use FINO just for myself?
Yes. Solo mode lets you track personal spending, set budgets, and categorize expenses — no group needed.
Is my financial data safe?
Security is a first-class concern. Data will be encrypted in transit and at rest. We will not sell your data, show ads in the core product, or share information with third parties.
💚 Pricing
Free for everyone.
Premium for power users.
No trials. No credit card. FINO will be free to use forever, with an optional Premium tier.
Free
Everything you need to split expenses.
$0
Free forever
Join the waitlist- Unlimited groups
- Unlimited expenses
- All split modes
- Smart settlements
- Multi-currency
- Solo mode
- Offline support
- No ads
⭐ PREMIUM
Premium
For power users who want the full experience.
$3/mo
or $29/year (save 19%) — final pricing TBD
Join the waitlist- Everything in Free
- AI receipt scanning
- Spending insights & analytics
- Budget tracking & alerts
- Recurring expenses
- Unlimited history export
- Priority support
- Custom categories & tags