CiviQ
The facts below are what the maker publishes about CiviQ, checked and dated. Our editors have not written about it yet.
Plans and prices
From CiviQ's own pricing page, checked 12 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Free | Free | Free forever; no credit card |
The facts
Each one read from CiviQ's own pages, with the date it was checked.
What it does
- Account sync
- manualchecked 22 Sep 2026
- AI
- CiviQ uses Google Gemini for financial insights and purchase planning, sending anonymized transaction summaries after removing personal identifiers.checked 12 Oct 2026
- Audience
- CiviQ describes itself as personal finance software built for India and offers free financial calculators aimed at Indian salaries.checked 12 Oct 2026
- Bank connectivity
- CiviQ says it does not connect to bank accounts; users enter financial data manually.checked 12 Oct 2026
- Bill tracking
- Yeschecked 22 Sep 2026
- Budgeting
- The budget manager sets a daily allowance that updates automatically as spending is recorded.checked 12 Oct 2026
- Budgeting tools
- Yeschecked 22 Sep 2026
- Compliance
- CiviQ states that it complies with India's Digital Personal Data Protection Act 2023 and Information Technology Act 2000.checked 12 Oct 2026
- Data rights
- Users can export financial data as CSV or JSON and request account and data deletion through Settings.checked 12 Oct 2026
- Expense tracking
- The Telegram bot can log an expense from a text message and categorize it.checked 12 Oct 2026
- Integration
- CiviQ offers an optional Telegram bot for expense logging, balance queries, and daily budget messages.checked 12 Oct 2026
- Loans
- The loan tracker calculates an estimated payoff month, remaining interest, and the effect of a prepayment.checked 12 Oct 2026
- Net-worth tracking
- Yeschecked 22 Sep 2026
- Projects
- Projects group tagged expenses and show total spending, expense count, and optional budget usage.checked 12 Oct 2026
- Purpose
- CiviQ is a personal finance app built for India to track expenses, budgets, loans, and subscriptions.checked 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.checked 12 Oct 2026
- Subscriptions
- The subscription manager displays upcoming renewals and can send a Telegram reminder three days before a charge.checked 12 Oct 2026
Money
- Free calculators
- The site lists more than 20 free calculators for tax, investments, loans, budgeting, and retirement, with no signup required.checked 12 Oct 2026
- Free plan
- Yeschecked 22 Sep 2026
Alternatives to CiviQ
- 1
SoFi
Free planAndroidiOSWebmacOS9.0Free plan - 2
PocketSmith
Free planAndroidiOSWebAPI9.0From $119.88 a year - 3
GnuCash
Free planOpen sourceAndroidiOSAPILinux8.9Free plan - 4
YNAB
AndroidiOSWebAPI8.5From $109 a year - 5
Talvo
Free planAndroidiOSWeb8.2From €5 a month - 6
Wallet by BudgetBakers
Free planAndroidiOSWeb8.1Free plan