Overview
Safe to spend today at the top, live limit warnings beneath it, your pace against the budget as a curve, where the money went, and the day's activity. If you only ever open one screen, this is the one.
Every screen exists to answer a question you actually ask about money. Nothing is there to look impressive.
Safe to spend today at the top, live limit warnings beneath it, your pace against the budget as a curve, where the money went, and the day's activity. If you only ever open one screen, this is the one.
Amount, what, why, category, shop or app, online or offline, area, payment mode, which account, date, exact time, time of day, need or want, and who it was for. Chips everywhere, so most of it is tapping rather than typing.
Search and filter by category, payment mode, hour of day, need or want, amount range or shop. Export whatever you filtered to as a CSV.
One trip to the shop is rarely one thing. Flip a switch and each item gets its own row with its own price and quantity, with delivery and packing or tax kept separate from the goods.
The total is computed from the rows, so the headline figure can never drift away from the lines underneath it. Item names are remembered with their last price, so the second time you type "Milk 1L" it offers the price too.
Father sent the full amount in 4 of 5 completed months (80%). 1 month was short, by ₹15,000 in total.
5 of 9 instalments arrived late (44% on time), by an average of 3 days.
The longest delay was 9 days: ₹50,000 due on 15 Jun arrived on 24 Jun.
If someone sends a fixed sum each month for the house, record the arrangement once and each payment as it lands. The app keeps a dated account of what was agreed against what actually came.
Payments rarely match the agreement one to one — a single transfer can settle both halves, or half of one, or arrive nine days late. They are poured into the instalments in date order, and an instalment counts as settled on the date of the payment that completed it. That is the date that matters when someone asks.
A monthly figure, per-category caps, and — the useful one — per-shop caps. A limit on Swiggy beats a limit on "food", because it maps onto the actual decision. Plus a daily pace, a cap on wants, and which thresholds warn you.
Named goals with target dates and the monthly amount needed to hit them. A fair this-month-versus-last comparison over the same number of elapsed days, and a nudge to move a surplus somewhere before it drifts into next month's spending.
Rent, maintenance, electricity, subscriptions. Unpaid bills are reserved out of your safe-to-spend, so that number is genuinely safe. It also spots repeating charges in your history that you never set up.
The coach reads your own entries and ranks what to change. Every suggestion carries a monthly and a yearly rupee value, so you can tell which one is worth the discomfort.
It finds the shops you visited three or more times, the pile of sub-₹300 payments that added up to a fifth of your month, the hour of day your discipline fails, the categories that grew against last month, and the subscriptions you forgot you had.
There is also a habit score out of 100 — but it stays blank until you have logged enough for it to mean something. An empty month scoring well would be flattery, not feedback.
9 orders this month averaging ₹340. Dropping 4 saves ₹1,360 a month.
≈ ₹16,320 a yearYou flagged these yourself — purchases you did not want in hindsight.
≈ ₹48,636 a yearNothing good is bought after 9pm. Keep the delivery apps off your home screen.
≈ ₹4,568 a yearEvery chart drawn by hand in SVG. No chart library, nothing fetched, works offline.
Before buying something you want but do not need, park it instead. When the timer ends you decide again, with the urge gone. The app keeps a running total of the money you kept by waiting — and prompts you to park anything above your think-twice threshold at the moment you try to record it.
Cash is where tracking dies. Record what goes in, then every so often count what is physically in the house. The app tells you the gap between what it thinks you have and what you actually have — and that gap is usually the entire answer to where the money went.