No. 170of 181 ·Personal Finance Software

CiviQ

Web · Android

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Freedom report

One barScore 5.1

Free tierA free tier is on its own pricing page
Runs widely2 of 6 device platforms
DocumentedThinly documented

CiviQ is ranked #170 of 181 in personal finance software on Freedom251. It runs on Android, Web. There is a free plan.

CiviQ plans and pricing

All plans

Free Free Free forever; no credit card civiq.in · 12 Oct 2026

Compared on personal finance software

Free plan: Yes
Budgeting tools: Yes
Bill tracking: Yes
Net-worth tracking: Yes
Account sync: manual

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The record

Purpose: CiviQ is a personal finance app built for India to track expenses, budgets, loans, and subscriptions.
Expense tracking: The Telegram bot can log an expense from a text message and categorize it.
Budgeting: The budget manager sets a daily allowance that updates automatically as spending is recorded.
Loans: The loan tracker calculates an estimated payoff month, remaining interest, and the effect of a prepayment.
Subscriptions: The subscription manager displays upcoming renewals and can send a Telegram reminder three days before a charge.
Projects: Projects group tagged expenses and show total spending, expense count, and optional budget usage.
AI: CiviQ uses Google Gemini for financial insights and purchase planning, sending anonymized transaction summaries after removing personal identifiers.
Integration: CiviQ offers an optional Telegram bot for expense logging, balance queries, and daily budget messages.
Bank connectivity: CiviQ says it does not connect to bank accounts; users enter financial data manually.
Security and privacy: The privacy policy says data is stored on servers in India, sensitive fields are encrypted at rest, and connections use HTTPS/TLS.
Compliance: CiviQ states that it complies with India's Digital Personal Data Protection Act 2023 and Information Technology Act 2000.
Data rights: Users can export financial data as CSV or JSON and request account and data deletion through Settings.
Audience: CiviQ describes itself as personal finance software built for India and offers free financial calculators aimed at Indian salaries.
Free calculators: The site lists more than 20 free calculators for tax, investments, loans, budgeting, and retirement, with no signup required.
Price from: Free

Where it ranks on Freedom251

Best Personal Finance Software in 2026#170 of 181

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Sources

civiq.in· checked 12 Oct 2026
civiq.in/blog/why-indians-overspend· checked 12 Oct 2026
civiq.in/blog/emi-burden-when-to-worry· checked 12 Oct 2026
civiq.in/blog/subscription-creep· checked 12 Oct 2026
civiq.in/features/projects· checked 12 Oct 2026
civiq.in/privacy· checked 12 Oct 2026
civiq.in/tools· checked 12 Oct 2026