Privacy-first personal finance
Every rupee,accounted for.
A private ledger you actually control. Keep one right here, on this page. Nothing to install, nothing leaves your browser.
Try the live ledger below.
- No SMS reading
- No bank scraping
- No loan spam
Updated just now
- Salary+ ₹80,000
- Rent− ₹18,000
- Groceries− ₹3,240
Tap to add an entry
Small entries, real money
Fill the vault. Then fill it again.
Every entry raises the level. Cross ₹20,000 and the vault bursts open, then starts filling all over again, exactly like disciplined tracking compounds in real life.
Tracked so far
₹0₹0 of ₹20,000 toward the next unlock.
The case for tracking
What you measure, you can change.
Money you don't track leaks away in ways you never notice. Money you do track becomes a plan. The gap between the two compounds, month after month.
Two people · same salary · 24 months
The tracker saved
₹0The guesser saved
₹ ?See it
You can't fix a spend you never noticed. Every entry drags the invisible into the light.
Shape it
Categories turn a messy month into clear decisions. Cut the leak, keep the joy.
Reach it
Every goal is just a number and a date. Track toward it and watch the distance shrink.
Give a goal a number. Watch it fill.
funded
Emergency fund
₹1,20,000
funded
Goa trip
₹50,000
funded
New laptop
₹90,000
funded
Down payment
₹8,00,000
The journey of a rupee
Follow one rupee through your ledger.
01 · Log
It starts with a deliberate entry.
Cutting chai, ₹20. A few taps, written by your own hand. No SMS scraped, no feed imported. You feel every rupee, which is the point.
Today's page
02 · Categorise
It finds its place in the ledger.
Food, travel, rent, udhaar. Every entry files itself into your categories, and the month quietly starts taking shape.
Where it filed itself
03 · Insight
It becomes a pattern you can see.
Category splits, monthly trends, your real burn rate. The dashboard turns a thousand small entries into one honest picture.
The month, at a glance
04 · Report
It leaves as understanding.
Month-end reports, exportable to PDF or Excel. The rupee is spent either way. Now you know exactly where it went, and why.
July · closed
Balancedsaved
PDF · Excel · yours to keep
Time travel
Any year, one click away.
Your whole financial history stays browsable. Pick a year and the ledger redraws itself, exactly like Insights does inside the app.
Income
₹12,96,000Spent
₹8,20,000Saved
₹4,76,000Income vs spend, 12 months
Savings rate
Where it went
“Best savings rate yet. The compounding is finally visible.”
The shelf
Six ledgers. One spine.
Separate books for separate stories, all bound into one account, one dashboard, one final amount.
Income
Salary, freelance, interest. Every credit, dated and titled.
Expenses
From chai to rent, categorised so the month explains itself.
Funds
Emergency, Diwali, the trip. Named pots that grow on purpose.
Debitors
Money owed to you. Udhaar with a memory that never fades.
Creditors
Money you owe. Settle up with dates, not awkward guesswork.
Investments
SIPs, stocks, FDs, tracked beside the money that funds them.
Udhaar, settled properly
Pay it back in parts. Attach the receipt.
Money lent or borrowed rarely closes in one shot. Log every partial payment against the original entry, attach the UPI screenshot as proof, and watch the balance count down to zero instead of losing track halfway.
- Partial payments logged against the original loan, not a new entry
- Receipts attach directly to each settlement
- Dashboard shows what is actually outstanding, not the gross loan
Debitor entry
Priya · Diwali shopping advance
Total lent
₹5,000
Outstanding
₹5,000
No payments logged yet
The pledge
Your data is the product everywhere else.
We built the opposite: a ledger where you enter what you choose, see what matters, and owe your privacy to no one.
Most Indian trackers mine your transaction messages. We don't ask, because we don't want them.
No account linking, no scraping, no standing permissions to your money.
Your spending pattern is not our sales funnel. No credit offers, no cross-sell, ever.
Passwords hashed with modern bcrypt. Sessions hardened. Always HTTPS.
Read the full pledgeNo paywall, no catch
Start free. Right now.
We're in early access, so the whole ledger is free while we build. No card, no trial countdown, no feature held hostage. Keep your books, export them, and decide later.
Free while we're in early access. No card required.
₹0
during early access
Free- All six ledgers, from day one
- Unlimited entries, every month
- Category insights and month reports
- PDF and Excel exports, yours to keep
- Private by design, always
Business modeIn the works
Personal today, business hisab tomorrow. Party ledgers, invoices and P&L on the same private account.
Balance carried forward
Stop wondering where the month went.
Your ledger is waiting. Private, precise, and finally yours.
Free to start · No bank account needed · Ever