Budget, track expenses, split bills and manage finances in any currency.
The privacy-first multi-currency budgeting app for digital nomads, expats, travelers and anyone managing money across borders — track shared expenses, split group bills, and monitor investments, loans and net worth, all in one place. No bank login needed.
Every account, every currency, everyone you split with — one clean view.
From splitting rent to tracking every earnings and investments, Syncrofin keeps your whole financial life in one place — clear, current, and always adding up.
Syncrofin is built for the quietly organized.
The ones who want every rupee, dollar and euro accounted for — without a spreadsheet. Log a purchase in seconds, set budgets that hold, and always know exactly where you stand.
Syncrofin is built for people who split the bill.
Trips, flatmates, dinners, group gifts. Track who paid, who owes, and settle up to the exact cent — across any currency, without a single awkward conversation.
Syncrofin is built for the long-game investor.
Stocks, crypto, mutual funds, gold, real estate, FDs and RDs — ten asset types roll up into one honest net-worth view that updates as your money moves.
Syncrofin is built for the subscription jugglers.
Free trials that quietly renew. Bills that hide in the calendar. Syncrofin tracks every recurring charge and nudges you before anything is ever due.
Syncrofin is built for travellers who spend across borders.
A single trip can touch three countries and three currencies. Log spending in each one exactly as it happens — no forced conversions, no guesswork — and every currency stays clean and separate when you get home.
Syncrofin is built for people who value privacy.
No data selling. No reading your messages or scraping your accounts. Every record is one you chose to add — your financial life stays yours alone.
One app for every part of your financial life.
A multi-currency money manager, a shared budget and group budget app, and a multi-currency wallet for every account — from daily budgets to your whole portfolio to splitting the bill with friends, Syncrofin keeps it organized, precise, and effortless.
Transactions & budgets
Log spending in seconds and set budgets that keep every category on track.
Bills & subscriptions
Track recurring payments and get reminded before anything is ever due.
Savings goals
Set targets, watch progress fill, and reach every milestone with intent.
Net worth tracking
See assets minus liabilities update in real time as your money moves.
Analytics & insights
Understand where money goes with clear trends, breakdowns, and reports.
Financial calculators
EMI, SIP, fixed deposits, and loan comparison — plan before you commit.
Portfolio across 10 asset types
Stocks, crypto, ETFs, mutual funds, bonds, gold, real estate, FDs, RDs & more.
Trade journal
Record every position and decision to learn from what actually works.
One clear return
Gains, losses, and holdings roll up into a single, honest performance view.
Loans
Track balances, interest, and payoff schedules across every loan you hold.
Receivables & payables
Know exactly who owes you and what you owe — nothing slips through.
Insurance tracking
Keep policies, premiums, and renewals in one place so coverage never lapses.
Everything Syncrofin does, at a glance.
Dashboard & net worth
Balances, spending and net worth, updated the moment money moves.
Transactions & budgets
Log spending in seconds and keep every category on track.
Financial calculators
EMI, SIP, deposits and amortization — plan before you commit.
Bills & subscriptions
Track recurring payments and get reminded before anything's due.
Investment portfolio
Stocks, crypto, funds, gold and more in one clear return.
Shared groups
Split expenses five ways and settle up with the fewest payments.
Analytics & insights
Understand where money goes with clear trends and breakdowns.
Loans & receivables
Know what you owe and who owes you — nothing slips through.
One personal finance app instead of four.
Personal finance rarely fits into a single category — Syncrofin brings group expense tracking and shared budgets together with everything else in one place.
Track income and expenses, build budgets, manage subscriptions and recurring bills, monitor loans and EMIs, record investments, insurance, follow savings goals, keep track of money borrowed and lent, and view your net worth in one place — an all-in-one money manager for your whole financial life.
Built-in EMI, SIP and amortization calculators help you plan as carefully as you track.
- Categorised income and expenses
- Monthly budgets with early warnings
- Shared expenses, split and settled with friends
- Recurring bills with reminders
- Money owed to you and by you, never forgotten
- Investments and deposits, tracked in one portfolio
- Loans and EMIs with repayment schedules
- Insurance policies and premiums in one place
- Trade journal for your daily wins and losses
Split bills with friends, skip the math.
Shared spending should stay simple, even when the bill isn't. Syncrofin is a bill splitter and group expense tracker for family, friends, flatmates or trips — a shared household expense tracker for rent and utilities, and a trip-splitter for everything else. Create a group, then split equally, by exact amounts, percentages, shares, or item by item. Whichever you pick, the parts always add back up to the total — no stray units, no one quietly overcharged. See who owes whom, settle in full or partially, and get a weekly reminder if you want one.
Every group uses the same currency as your account, so shared expenses and balances always stay mathematically consistent — and if you spend abroad, the multi-currency expense tracker keeps every currency separate.
Even if someone deletes their account, past expenses remain intact in an anonymised form so everyone else's balances continue to add up correctly.
- Settle in full or a little at a time
- Fewer payments — the app works out who should pay whom
- Balances that hold even after someone leaves
- A weekly nudge, if you want one
Your investments and net worth, in sharp focus.
Money isn't only about today's spending.
Syncrofin brings together everyday transactions, investments, long-term savings and shared expenses into a single view. Analytics, category breakdowns, cash flow, budgets, your investment portfolio and net worth all work from the same underlying data, giving you one consistent picture instead of several disconnected ones.
- EMI tracking with partial payments
- FD and RD maturity reminders
- Portfolio breakdown by asset type
- Money owed to you, and by you
A multi-currency expense tracker that keeps every currency separate.
Most apps quietly convert everything into one currency using a rate that's already stale by the time you look. Syncrofin doesn't. When you track expenses in multiple currencies, every record keeps the exact currency you entered it in — a dollar stays a dollar, a euro stays a euro.
Your net worth anchors on your home currency, while cross-currency balances are shown on their own, clearly and unconverted — the same rule that keeps group expenses you split with friends consistent. No invisible exchange rates inflating or shrinking your totals, no phantom gains from a rate that moved overnight.
Precision you can actually trust.
Every amount is stored to the exact minor unit — no floating-point rounding, no drift. So every split in your shared expense ledger sums back to the total, and your balances stay true down to the last cent.
It works in any currency worldwide, adapting formatting, symbols, and grouping to your region automatically. Whether you're running a cross-currency budget or settling a group trip, every group uses your account's currency, so shared balances stay mathematically consistent for everyone.
Privacy-first, by design.
A privacy-first budget app for expats and an expense tracker for digital nomads — for anyone who wants full control of their finances without sharing sensitive banking credentials.
- No bank accounts to connect. No financial credentials to share. Just your own data, under your control.
- Contacts read on-device only. When you add someone to a group, only their name is ever saved — never their number or email.
- Your data is never sold. Your financial records are never sold or shared with third parties.
See Syncrofin in action.
Explore the app — from your dashboard to shared groups and beyond.
Up and running in three steps.
Download
Get Syncrofin free on Android and set up your account in under a minute.
Track & budget
Add accounts, log spending, and set budgets. Watch your net worth take shape.
Sync with your group
Create a group, split expenses, and settle up — everyone stays perfectly in sync.
Frequently asked questions
Does Syncrofin convert my currencies?
Can I split bills with friends in different currencies?
Do I need to connect my bank account?
Is Syncrofin good for digital nomads and expats?
What else can Syncrofin do besides tracking expenses?
How much does Syncrofin cost?
Contact us for more information
Have a question, hit a snag, or spotted something that doesn't add up? Whether it's help getting set up, a bug you've run into, a feature you'd love to see, or a privacy query — we read every message and usually reply within two business days. Reach us any time and we'll point you to the right answer.
Start syncing your finances — free.
Personal budgets, investments, and shared expenses. One app, exact to the cent.
See what AI has to say about Syncrofin.
Opens the AI with a prompt pre-filled — you choose to send it.
Syncrofin
Your personal budget and shared expenses, perfectly in sync.