The pledge

Your ledger is nobody's business.
Including ours.

Every popular money app in India makes the same trade: convenience for surveillance. It reads your SMS, links your bank, learns your habits, then sells you loans against your own anxiety. We refuse the trade entirely. You write the ledger. You read the ledger. That's the whole architecture.

No SMS readingNo bank linkingNo loan spam

Proof, not promises

Try to make your data leave. You can't.

Grab any entry and fling it. It stays inside your ledger, because that is the only place it ever lives. The listeners every other app feeds go hungry here.

Drag them anywhere. They stay put.

Bytes that left your device

Not a byte. That is the whole design.

SMS inboxReceives nothing

Your bankReceives nothing

Loan sellersReceives nothing

Most apps / this ledger

The usual trade

The Money Tracker

Reads every transaction SMS on your phone

Never asks for SMS permission at all

Links your bank account with standing consent

Doesn't know where you bank, by design

Sells your spending profile to lenders

Has no lenders to sell to, and nothing to sell

Pushes loans when the month runs tight

Shows you why the month ran tight instead

Locks your data inside the app

Exports everything to PDF and Excel, anytime

And the boring, important part

Passwords, properly hashed

Modern bcrypt with per-user salts. We couldn't read your password if we wanted to.

Always HTTPS

Every request encrypted in transit. No plain-text anything, anywhere.

Hardened sessions

Secure, HTTP-only cookies with strict expiry. Your ledger stays yours even on shared wifi.

“Deliberate tracking beats surveillance. It's how you actually change spending habits.”