Everything you need to
split expenses fairly.
No complicated setup. No hidden fees. Just the tools to track, split, and settle — beautifully.
Split expenses any way you want
Equal, custom, percentage-based, or excluding members — FINO handles every scenario. Each expense can use a different split method within the same group.
Smart settlements that minimize payments
FINO's algorithm reduces the number of payments needed. Six debts become two simple transfers. Mark payments as done with one tap.
Multi-currency with automatic conversion
Each group has a base currency. Expenses in other currencies are converted automatically using real-time exchange rates.
Scan receipts with AI
Point your camera at a receipt and FINO's AI automatically extracts the merchant, amount, date, and currency.
Works offline and syncs automatically
Add expenses anytime — they sync to your group the moment you reconnect. Essential for travelers.
Spending insights and analytics
Visual breakdowns by category, member, and time. Understand your group spending patterns at a glance.
Recurring expenses on autopilot
Rent, utilities, and subscriptions — set them once and FINO creates them automatically every month.
Gentle reminders, no awkwardness
Send a polite nudge to anyone who owes you. They get a friendly push notification — no passive-aggressive texts.
Full history, searchable forever
Every expense, payment, and settlement — organized by date and fully searchable. Export to CSV anytime.
Solo mode — your personal tracker
Don't need a group? FINO works as a standalone personal expense tracker. Set budgets, categorize spending, and see where your money goes.
Built for every kind of group.
Ready to stop splitting headaches?
Join the waitlist and be first in line when FINO launches.