Freedom251 › Personal Finance Software
CiviQ
What CiviQ is
CiviQ is free personal finance software for India, available on Android and the web. It tracks expenses, budgets, bills, loans, subscriptions, and net worth, with financial details entered manually because it does not connect to bank accounts. Its budget manager sets a daily allowance and adjusts it as spending is recorded. Loan tracking estimates a payoff month, remaining interest, and the effect of prepayment. Subscription tracking shows upcoming renewals and can send a Telegram reminder three days before a charge. An optional Telegram bot accepts expense messages, categorizes them, answers balance queries, and sends daily budget updates. Projects group tagged expenses and show totals, counts, and optional budget use. CiviQ uses Google Gemini for financial insights and purchase planning from anonymized transaction summaries. Data is stored on servers in India, sensitive fields are encrypted at rest, and connections use HTTPS/TLS. Users can export CSV or JSON and request deletion in Settings. More than 20 calculators cover Indian taxes, investments, loans, budgets, and retirement without signup.
Who it suits
It suits people in India who want manual tracking for spending, budgets, loans, subscriptions, and net worth. The calculators also serve visitors seeking Indian financial estimates without creating an account.
What it does well
- Free forever with no credit card
- Telegram expense logging and reminders
- Loan payoff and interest estimates
- CSV and JSON data export
- More than 20 free calculators
What to know first
- No bank-account connections
- Financial data requires manual entry
- Google Gemini processes anonymized summaries
- Built specifically for India
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Free | Free forever; no credit card | Free |
As civiq.in lists them, read 12 Oct 2026. The maker's own page has the final word.
Verdict
CiviQ offers a broad set of free tracking tools with manual account management and optional Telegram features. It is most relevant to Indian users who prefer direct data entry and local financial calculators.
Facts from CiviQ's own pages
- Account sync
- manual · civiq.in, 22 Sept 2026
- AI
- CiviQ uses Google Gemini for financial insights and purchase planning, sending anonymized transaction summaries after removing personal identifiers. · civiq.in, 12 Oct 2026
- Audience
- CiviQ describes itself as personal finance software built for India and offers free financial calculators aimed at Indian salaries. · civiq.in, 12 Oct 2026
- Bank connectivity
- CiviQ says it does not connect to bank accounts; users enter financial data manually. · civiq.in, 12 Oct 2026
- Bill tracking
- Yes · civiq.in, 22 Sept 2026
- Budgeting
- The budget manager sets a daily allowance that updates automatically as spending is recorded. · civiq.in, 12 Oct 2026
- Budgeting tools
- Yes · civiq.in, 22 Sept 2026
- Compliance
- CiviQ states that it complies with India's Digital Personal Data Protection Act 2023 and Information Technology Act 2000. · civiq.in, 12 Oct 2026
- Data rights
- Users can export financial data as CSV or JSON and request account and data deletion through Settings. · civiq.in, 12 Oct 2026
- Expense tracking
- The Telegram bot can log an expense from a text message and categorize it. · civiq.in, 12 Oct 2026
- Free calculators
- The site lists more than 20 free calculators for tax, investments, loans, budgeting, and retirement, with no signup required. · civiq.in, 12 Oct 2026
- Free plan
- Yes · civiq.in, 22 Sept 2026
- Integration
- CiviQ offers an optional Telegram bot for expense logging, balance queries, and daily budget messages. · civiq.in, 12 Oct 2026
- Loans
- The loan tracker calculates an estimated payoff month, remaining interest, and the effect of a prepayment. · civiq.in, 12 Oct 2026
- Net-worth tracking
- Yes · civiq.in, 22 Sept 2026
- Projects
- Projects group tagged expenses and show total spending, expense count, and optional budget usage. · civiq.in, 12 Oct 2026
- Purpose
- CiviQ is a personal finance app built for India to track expenses, budgets, loans, and subscriptions. · civiq.in, 12 Oct 2026
- 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. · civiq.in, 12 Oct 2026
- Subscriptions
- The subscription manager displays upcoming renewals and can send a Telegram reminder three days before a charge. · civiq.in, 12 Oct 2026
Where CiviQ stands on Freedom251
- Personal Finance Software#122 of 181