Personal finance on the web, in Telegram and in the app

Track income and expenses. A clear personal budget

Record purchases and receipts, see spending by category and the money left. The service works out how much you can spend per day and warns you about overspending in advance.

Start free Open demo dashboard

Download YousoroFinance Android and Windows · iOS soon

yousorofinance.ru/dashboard

ExpensesMonth overview

October

You can spend today3 240 ₽within the plan

Expenses78 450 ₽ 68% of 115,000 ₽

Monthly result+151 600 ₽forecast

Actual and forecast spendingactual forecast

Signals2

Cafes and restaurants+38% vs a usual month

Recurring14,700 ₽ per month

Forecast11,400 ₽ above plan

₽$€₸₺ Plan, actual and forecast Daily budget Spending anomalies Recurring expenses Advanced tracking Analytics Goals and financial runway Investment tracking Personalization Offline mode

Keep irregular income under control

Don't just record money. Understand what comes next

YousoroFinance connects received income, expected payments, and your expense plan to show what is available now and how the month is likely to end.

Your financial route for the month

Income does not arrive as one salary

October 526 days left in the month

1Oct

+85 000 ₽ +18 000 ₽ +120 000 ₽ +55 000 ₽

31Oct

Project AReceived · October 1

+85 000 ₽

Side workReceived · October 4

+18 000 ₽

Project BExpected · October 14

+120 000 ₽

Retainer clientExpected · October 27

+55 000 ₽

Available to spend

3 240 ₽per day

The amount for each remaining day, with no risk of going over budget.

Within budget

Expense forecast +11 400 ₽

126 400 ₽by the end of the month with a plan of 115,000 ₽

Actual Forecast Plan Overspending

Monthly result

+151 600 ₽

Receipts278k

Expenses−126k

Result+152k

The month ends positive on plan

What matters now

Spending may exceed the plan by 11,400 ₽, but with the expected receipts the month will end with about +151 600 ₽.

See it in the demo

What YousoroFinance can do

From a single operation — to the full financial picture

Bring income, expenses, assets, and plans into one picture—the service will highlight what matters.

Complete financial picture

Accounts, cash, investments and crypto in one structure and one currency.

Analytics and reporting

Plan, actual and forecast side by side, with no manual formulas.

Projected completion 88%To plan −33 400 ₽

Fast entry through Telegram

Send an operation as a message and the service sorts the data itself.

Goals and financial runway

How many months you can last and how close the goal is.

You remain in control

You enter data manually. YousoroFinance never requests access to your bank accounts or wallets.

No bank access

Why YousoroFinance

What you won’t find in an ordinary expense tracker

The service does more than record. It looks ahead, spots the unnecessary, keeps statistics honest and rewards you for keeping your finances in order.

01Premium

Month forecast and daily budget

The service calculates how much you can spend each day and shows overspending in advance, while it can still be avoided.

Today you can spend3 240 ₽

Projected expenses by month-end
Plan overspending warning
Month result including expected money

02Premium

Anomalies and recurring expenses

Spots unusual spending by category and finds recurring payments on its own.

03The plan is free

Detailed planning

The overall month plan is for everyone. In Premium you can split it by category and mark what is done.

04Free

Honest statistics

Resold goods? Cash flow keeps the whole amount received, while income shows only the real result thanks to advanced accounting.

05Free

Works offline

No signal in the subway or on a plane? Entries are saved on the device and sent automatically.

06Business · in development

An AI assistant that brings order

It doesn't just explain the numbers. It notices important spending, finds accounting mistakes and suggests what to fix or plan. The service does the maths; the AI analyses and advises.

In-depth month analytics
Finds money transfers
Duplicate tags and tag colours
Operations without a comment
Plan suggestions
“What if” scenarios

The assistant found 5 suggestionstoday

Tickets for 42,000 ₽ under the “Travel” tagPlan the trip expenses for next month?

50,000 ₽ between your own accounts recorded as an expenseLooks like a transfer, so the month’s expenses are overstated.

The “Cafe” and “Cafes and restaurants” tags duplicate each otherMerge them so statistics are not split in two?

3 large operations without a commentLabel them so that in a month it is clear what they were.

“Taxi” and “Transport” have the same colourPick contrasting colours for the charts?

07$YOUFI

Keeping finances in order pays off

Complete tasks and invite friends to earn $YOUFI and pay for Premium with it.

Tasks +500 $YOUFI Premium

Friends A bonus from their top-ups and tasks

Reward multiplier by subscription ×1,5 ×2,5 ×5

Weekly summary in Telegram
5 currencies at the rate on the operation date
Crypto at market price
Categories for the months you need
Web · Telegram · Android · Windows
Dark theme and two designs
Analytics export

How it works

One message — and the whole picture is already recalculated

Three steps from a purchase to a ready forecast. No spreadsheets, formulas or bank exports.

YousoroFinancebot · online

What would you like to add?

ExpenseIncomePlan

Groceries · 2,450 ₽ · Delivery12:42

Done. The transaction has been recorded.12:42

Telegram Android Website Windows

Control without unnecessary access

Your finances do not have to live inside bank integrations

YousoroFinance does not connect to bank accounts or wallets. You add only the information you need and keep full control of your financial model.

No bank accessNo logins, passwords or payment details required.
Your own accounting structureCategories, assets, and plans adapt to your needs.
Fiat and crypto togetherA combined capital valuation in rubles and foreign currencies.

Banks Cards and accounts

Investments Stocks · ETFs · funds

Crypto BTC · TON · USDT

Deposits Deposits · savings

Cash ₽ · $ · €

Transactions Purchases and sales

Business Projects and equity

Real estate Apartments · properties

Plans

Start free. Add more control when you need it

No complex setup or lengthy rollout. Signing in with Telegram takes less than a minute.

When billed for:

Starter

Free

Build a basic financial picture and try the service.

0 ₽/ month

Income and expenses
Assets and financial picture
Budget planning
Fast entry through Telegram
Up to 3 banks and 6 investments
$YOUFI rewards and subscriptions for tasks

Start free

Best value

Personal control

Premium

For structured tracking, planning, and understanding your financial picture.

When billed for:

299 ₽/ 1 month

Everything in Free
Detailed income and expense planning
Advanced financial analytics
Trends, anomalies, and recurring expenses
Multi-currency tracking
Up to 6 banks and 12 investments

Choose Premium

Maximum

Business

Maximum control and automated analytics.

When billed for:

597 ₽/ 1 month

Everything in Premium
✦ ✦ ✦ ✦ ✦ ✦ ✦ ✦ ✦ AI financial analysis In development
Scenarios and advanced forecast
Smart signals and areas requiring attention
Analytics export
Unlimited banks and investments

Choose Business

Limited lifetime access

YouFi Founder

Business forever, a personal number and a special status in YouFiHub. Only for the first 100 users.

3 490 ₽ one payment · forever

Everything in Business — forever. One payment, no renewals and no monthly fee
Your number out of 100. Your Founder number stays yours forever and is shown next to your name in the rankings
A special avatar frame. Founders stand out in the leaderboards and among members
The maximum ×5 multiplier. $YOUFI rewards for tasks and invited friends are five times higher
35 000 $YOUFI в подарок right after the purchase — your starting capital in the YouFiHub economy
A voice in the product roadmap. Early access to new features and priority in votes

Remaining 100 of 100 places

Become a Founder forever

Practical guidance without accounting jargon

Resources about personal finance

A short path from financial uncertainty to a working system, with examples, formulas and tools that calculate right in the browser.

Personal finance without spreadsheets

When your budget spreadsheet gets in the way

Move from Excel or Google Sheets to everyday tracking on your phone and in Telegram, without rebuilding your entire history.

8 minutes For freelancers

Finance between projects

How to set a safe budget when payments arrive irregularly.

12 minutes For the self-employed

Allocate each payment by purpose

Obligations, reserves, and available money without a complex spreadsheet.

11 minutes Planning

Planning irregular income

A conservative budget baseline that accounts for weak and strong months.

14 minutes Capital structure

Crypto assets alongside everyday money

Liquidity, allocations, and the full picture without connecting a wallet.

10 minutes Practical calculation

How much can you spend today?

A daily budget formula based on the plan and the days left.

8 minutes

All guides

Your financial system

Add your first operation today

A free start, Telegram sign-in in under a minute and full manual control of your data.

Create an account Open the demo

Income, expenses and the overall month plan
Assets and financial picture
Fast entry through Telegram
Tasks with $YOUFI rewards

2026-10-05-v4 · 2026-10-04

The short version

Premium and Business are bought once for 1, 3, 6 or 12 calendar months. There is no automatic renewal and no daily charging: when the term ends, the subscription simply ends.

You can pay from the rouble balance or, where a package has a YOUFI price, with YOUFI bonus units. YOUFI and bonus roubles (Promo RUB) are not money: they cannot be withdrawn or exchanged for roubles.

Choosing record currencies (rouble, US dollar, euro, tenge, lira) is included in Trial, Premium, Business and Founder. On the free plan new records are kept in roubles.

Before you top up: if a payment that earned you bonuses is refunded or disputed through your bank, those bonuses are cancelled in the corresponding part, and purchases paid with such bonuses may be recalculated. See the Refund Policy for details.

General terms

These Terms apply together with the Public Offer, the Personal Data Processing Policy and the Refund Policy. If they conflict with mandatory requirements of the law of the Russian Federation, the law prevails.

Packages and payment

Before you confirm a purchase the plan, term, total price and the start of access are shown. The price and payment method are fixed at purchase; new prices do not change completed purchases. Having money on the rouble balance does not by itself create or extend a subscription.

A package is paid from the internal RUB balance or in YOUFI where a YOUFI price is published. Long-term discounts and promotions are shown next to the total price and are not combined with other promotions unless the interface says otherwise.

Multi-currency tracking

Choosing the currency of records, of reports and of new operations is available while Trial, Premium, Business or Founder is active. On the free plan new records are created in roubles and the currency pickers are inactive.

If the right to choose currencies ends, existing records are neither deleted nor recalculated: they keep their currency and stay available, including when edited. A new record is created in roubles. Saved currency settings remain, but can be changed only while the right is active. Currency choice becomes available again when suitable access starts.

Totals and analytics in one currency use Bank of Russia rates for the relevant date. Rates are for reference and are not an offer to exchange currency. The service does not carry out currency operations and does not accept payments in foreign currency.

RUB balance and YOUFI

The RUB balance is used only to pay for YousoroFinance services. Real prepayment (Paid RUB) and bonuses (Promo RUB) are recorded separately even when one total is shown. Paid RUB is spent first, then Promo RUB. The balance is not a bank account, e-wallet or independent payment instrument; transfers to other users and settlements with third parties are not provided.

YOUFI are internal bonus units, not money or electronic money. They have no guaranteed cash equivalent and cannot be withdrawn, sold or exchanged for roubles. A package price in YOUFI does not give a right to exchange units for money.

Top-up bonuses

A confirmed real top-up of 250 ₽ or more earns 6 YOUFI per rouble within a base of up to 5,000 ₽ over a rolling 30 days: at most 30,000 YOUFI. If the limit is partly used, only the remaining base counts; the whole amount paid always goes to the RUB balance. Plan multipliers do not apply to this bonus. The preview in the interface may change by the time the payment is confirmed.

For an invited user: 30% Promo RUB on the first three successful top-ups within 90 days of registration. Each base is up to 1,000 ₽, the bonus up to 300 ₽ per payment and 900 ₽ in total. Promo RUB cannot be withdrawn, is not refunded as money and is not part of the base for bonuses on real top-ups.

For the referrer: 2 YOUFI per really paid rouble within the invitee's first 5,000 ₽ of top-ups in the first 90 days: up to 10,000 YOUFI. No plan multiplier applies.

Bonuses are granted provided the payment is confirmed, not refunded and not disputed. If a payment is refunded or disputed, bonuses are adjusted under the Refund Policy.

Tasks and invitations

Task reward multipliers: Free ×1, Premium ×1.5, Business ×2.5, Founder ×5. Each reward keeps the rules and right that applied when it was granted. For one-time tasks of the invitee the referrer receives 80% of the base with their own multiplier; for daily, weekly and monthly tasks 20% of the base with their own multiplier, only in the first 90 days after the invitee registered.

The invitee receives 1,000 YOUFI after confirming the account. The referrer receives a separate 1,000 YOUFI once if, within 30 days, the invitee confirmed the account, completed onboarding and made a server-confirmed action: an opening balance, an income or an expense. Confirming an email alone is not enough. Earlier welcome bonuses are kept.

Insufficient balance and terms

If funds are short, the service offers to top up exactly the missing amount via Robokassa. After the payment is confirmed the prepayment reaches the balance and the purchase is checked again. If it cannot be completed safely, the money stays on the balance and you can choose another action or ask for a refund.

A package runs from its start (inclusive) to its end (exclusive). The term is counted in calendar months keeping the anchor day and allowing for month ends. A repeat purchase creates a future period after the current one. At most one current and one future period are allowed at a time.

Changing plan and cancelling a future period

Premium → Business: after a separately confirmed calculation of the surcharge for the rest of the period; the end date does not change. An upgrade with YOUFI needs a separate offer and calculation: the ordinary package price does not give that right. Business → Premium does not end an already paid Business: Premium starts after it.

A period that has not started can be cancelled in the interface. The cost is restored by the original internal method, keeping the sources Paid RUB, Promo RUB or YOUFI. This is not a card refund and does not turn bonuses into money. A period that has started is not cancelled this way.

Trial, Founder and end of access

Trial is a separate one-time temporary right for 7 days with Premium features; it is not bought as a package. Founder is a separate lifetime right at Business level on the terms shown before purchase. While Founder is active, purchases of Premium and Business for roubles and YOUFI are unavailable.

When all rights end, extended features become unavailable regardless of the scheduler. Your financial data is kept under the Personal Data Processing Policy and is available again within a suitable right.

Fair use

Bonuses and rewards are for people who actually use the service. They must not be obtained through abuse: artificial payments followed by a refund, "top-up — refund" chains for bonuses, several accounts of one person, inviting yourself, bypassing limits or other ways that do not match the purpose of the program.

If this is found, the Operator may refuse to grant, cancel bonuses and rewards obtained without grounds, suspend spending of bonuses while it checks, and restrict participation in the bonus program. This does not limit your right to a refund of really paid money in the manner and on the grounds provided by law. You can dispute the decision through support and will receive an explanation of the calculation.

Refunds and mandatory rights

A refund or chargeback cancels the Promo RUB and YOUFI created by the payment in full or in the refunded part. Related bonus rights and surcharges may be causally adjusted under the Refund Policy; bonuses are not deducted from a money refund as a cash value. Independent purchases and completed tasks are kept. Balance, bonuses and technical status do not limit mandatory consumer rights.

2026-10-05-v4 · 2026-10-04

The short version

You may ask for a refund of really paid money if a service was not provided or was provided improperly, the payment was a mistake, you refuse further service or there is another ground under the law. Money is, as a rule, returned the same way you paid.

A warning in advance. YOUFI bonuses and bonus roubles (Promo RUB) credited for a payment are not money and are cancelled in the refunded part when that payment is refunded. If you have already spent them on a subscription or other purchases, we determine which purchases were paid with them and recalculate those (see "How a refund affects bonuses and subscriptions"). Completed tasks and independent purchases are kept.

You can dispute a payment with your bank (chargeback), but the consequences are the same, and contacting support is usually faster and lets you explain everything.

Grounds for a request

These terms apply together with the Public Offer and the Subscription Terms and do not limit mandatory consumer rights. You may apply about a service not provided or provided improperly, a mistaken payment, refusal of further service and other lawful grounds.

The amount of a refund depends on the circumstances and the law. A top-up does not automatically mean a full refund if the funds have already been used to pay for a service. A technical calculation does not replace the review of a claim; deductions need a lawful ground and proof. Spending bonuses does not create a money fee for applying.

How to apply

Write to support@yousorofinance.ru: email or User ID, date and amount of payment, invoice or order number if any, the reason and a contact for the reply. A receipt or statement speeds up checking, but the lack of a receipt does not take away the right to apply. Do not send a password, CVV/CVC or a full card number. We may ask for clarifications to find the payment.

Timing

A request is recorded from the moment it is received. Review and refund take place within the terms set by applicable law of the Russian Federation for the relevant ground. Asking for clarifications does not cancel or extend mandatory terms.

Crediting also depends on the bank or payment service. You get the result, the amount and the state of the refund. A request created with the payment provider does not yet mean that the money has arrived.

Method of refund

Really paid money is, as a rule, returned by the original payment method unless another procedure is agreed or required by applicable rules. Promo RUB and YOUFI are not refundable money. Cancelling a future period restores the original internal funds; a money refund of prepayment is considered separately.

How a refund affects bonuses and subscriptions

The procedure is this. 1) We accept the request and make a preliminary calculation: what amount is returned and which bonuses and purchases are affected. 2) You can get an explanation of the calculation and dispute it. 3) While a refund is being carried out, spending of the RUB balance and YOUFI, account merging and account deletion may be temporarily suspended so that the calculation does not change. 4) Adjustments are applied only after the payment provider confirms the refund. 5) If a safe automatic analysis is impossible, the request goes to manual review; this is not a refusal of a lawful refund.

On a full or partial refund or a chargeback, the Promo RUB, own YOUFI and referral reward created by the payment are adjusted in the corresponding part. They have no cash equivalent and do not reduce the money refund as a separate cash deduction.

If the YOUFI have already been spent, we establish where they came from and what they were spent on. With a sufficient independent balance a purchase may be kept with compensation from it. Otherwise only the causally linked purchase is cancelled and independent rights are restored within the original terms and periods. A later independent subscription is not cancelled merely because it was made later.

Completed tasks are kept. Only the surcharge of the cancelled multiplier is recalculated, taking into account the right that would have applied without the purchase. Base and independent rewards and independent Premium, Business and Founder are kept.

Adjustments are recorded separately. An old snapshot of the whole account is not restored and independent operations are not deleted. You can request an explanation and dispute the calculation.

Partial refunds

After a partial refund, bonuses are limited to the remaining really paid amount and the original qualified base. If the remainder is below 250 ₽, the payment's own YOUFI bonus is cancelled in full. A refund does not increase the historical base, does not top up old bonuses and does not restore a place among the first three top-ups. The freed own limit is available to future payments in the rolling window.

Chargeback through the bank

If a payment is disputed with the bank and the bank returned the money, the service receives a notice and applies the same adjustments as for an ordinary refund. We will not return the money again, and the adjustments cannot exceed the amount of the original payment. Until the calculation is complete, spending of bonuses and balance may be suspended.

If the bank returned the money for a payment but you used the paid service, the Operator may, as provided by law, claim payment for services actually rendered.

Refund records

The refund history (amount, reason, status, dates) belongs to financial accounting and to proving the rights of the parties, and is kept, including when an account is deleted, to the extent and for the period needed for these purposes. An unfinished refund stops account deletion until the calculation is complete.

Mandatory rights

These rules apply only to the extent they do not contradict mandatory consumer rights. In case of discrepancy the requirements of the law of the Russian Federation apply.

Subscription Terms · Refund Policy

Don't just record money. Understand what comes next

Income does not arrive as one salary

From a single operation — to the full financial picture

Complete financial picture

Analytics and reporting

Fast entry through Telegram

Goals and financial runway

What you won’t find in an ordinary expense tracker

Month forecast and daily budget

Anomalies and recurring expenses

Detailed planning

Honest statistics

Works offline

An AI assistant that brings order

Keeping finances in order pays off

One message — and the whole picture is already recalculated

Your finances do not have to live inside bank integrations

Start free. Add more control when you need it

Free

Premium

Business

YouFi Founder

Resources about personal finance

When your budget spreadsheet gets in the way

Finance between projects

Allocate each payment by purpose

Planning irregular income

Crypto assets alongside everyday money

How much can you spend today?

Download our handy app

Add your first operation today