Track spending, budgets and net worth, see the Rest Money left after SIPs, rent & EMIs, and split bills with friends in shared groups. Log expenses from Telegram, and connect Claude Desktop, Cursor or your own tools through a hosted MCP server.
A unified intelligence layer over your personal finances — accessible at finledger.co.in, Telegram, mobile app, Claude Desktop, or your own API clients.
Register your account, link Telegram, or use the web dashboard. All data syncs in real time.
LangGraph pipeline classifies expenses, budgets, currencies, and financial queries with multi-LLM fallback.
Monthly comparisons, net worth snapshots, category budgets, and PDF statements generated on demand.
Claude Desktop or Cursor query your finances directly via hosted SSE/JSON-RPC Model Context Protocol.
Create a group, add who paid, and FinLedger keeps a running balance of who owes whom. Simplify debts to the fewest payments, then settle up whenever it suits you — group spending flows into each member's own budget too.
Equally
₹2,400 dinner for 4 → ₹600 each
Exact amounts
Everyone ordered something different
Shares
2 nights vs 1 night → 2 : 1
Percentages
Rent by room size: 40 / 35 / 25
No app to install. No dashboard to open. Just message @ledger_copilot_bot in Telegram and your AI finance agent handles the rest.
"spent 2000 on groceries"
✅ Logged ₹2,000 under Groceries.
"add 1200 in Goa Trip for dinner"
👥 Preview: ₹1,200 split equally in Goa Trip — confirm to save.
"how much can I spend this week?"
🤖 Rest Money: ₹42,500 (after SIPs, rent, EMIs).
Natural language AI expense & inquiry logging
Effortless tracking for you, shared ledgers for your groups, and clean APIs for your AI tools.
Calculates true spendable cash remaining after fixed rent, SIP mutual funds, and recurring bill commitments are funded.
Exposes 6 financial tools to Claude Desktop & Cursor via hosted SSE (/api/v1/mcp/sse) and JSON-RPC with zero DB credential exposure.
Log expenses by message, check budgets and net worth, get bill reminders, and split group expenses — with a confirmation before anything changes.
Issue scoped developer keys (sk_live_...) and receive HMAC SHA-256 signed webhooks for real-time transaction and budget alerts.
Generate HTML & PDF statements to share with your CA or advisor, alongside CSV export and full backups.
Prompt-injection guardrails and an evaluation suite, with multi-provider failover (Groq, Ollama, NVIDIA, Gemini, rule engine).
Track spending trends, savings rate improvements, and category breakdowns with intelligent AI-generated insights.
Split trips, rent and dinners equally, by exact amounts, shares or percentages; see who owes whom and settle up.
Categories at 90% or over their limit are flagged on the dashboard and in the Telegram /budgets reply.
Track all fixed monthly commitments — rent, SIPs, EMIs, subscriptions — automatically deducted from Rest Money calculation.
Generate time-limited, read-only /share/[token] links for your CA or financial advisor. Auto-expire and fully revocable.
Ask natural language questions — 'should I invest more this month?' — powered by multi-agent RAG over your actual financial data.
Every request — Telegram message, web query, or MCP tool call — passes through a deterministic safety pipeline before any LLM is invoked.
Filters prompt injection, PII exposure, and off-topic queries
Classifies intent: expense log, income, report, query, AI question
Fetches relevant financial data, runs calculations, formats response
Generates AI-powered financial insights with RAG over user data
6 financial tools exposed via JSON-RPC & Server-Sent Events at /api/v1/mcp/sse
Returns spendable cash after all commitments are funded
Aggregate net worth across all linked accounts
Category budget utilization and remaining capacity
Breakdown of expenses by category for a given period
Log income or expense with auto-categorization
Month-over-month spending, savings, and net difference
Not in the app stores yet. Until then, FinLedger works in any mobile browser, and the Telegram bot handles quick logging on the go.
Read our complete interactive developer documentation. Learn how to configure Claude Desktop, Cursor, Webhooks, API keys, and Telegram integration in minutes.