See where your money actually goes — in 30 seconds.
Upload the bank statement you already get. It's auto-sorted by rules you control, with an AI that asks when it isn't sure — and a chat assistant that answers from your real numbers.
No bank login ever · Your data stays yours
- 30-sec
- to first insight
- 0
- bank logins
- 100%
- in-browser demo
Try it right here
Runs in your browser — nothing is uploaded
| 01/07/2026 | Salary | SALARY CREDIT JULY ACME LLP | +₹52,000.00 |
| 02/07/2026 | Food & Dining | UPI-SWIGGY BANGALORE-8842 | −₹412.00 |
| 03/07/2026 | Utilities | UPI-JIO RECHARGE-299 | −₹299.00 |
| 04/07/2026 | Transport | UPI-UBER TRIP 74113 | −₹183.50 |
| 05/07/2026 | Shopping | AMAZON PAY ORDER 405-991 | −₹1,249.00 |
| 06/07/2026 | Entertainment | NETFLIX SUBSCRIPTION | −₹199.00 |
| 07/07/2026 | Housing | RENT JULY TRANSFER | −₹15,000.00 |
| 08/07/2026 | Food & Dining | UPI-ZOMATO ORDER 5521 | −₹286.00 |
| 09/07/2026 | Cash Withdrawal | ATM WDL MG ROAD | −₹2,000.00 |
| 10/07/2026 | Utilities | TNEB ELECTRICITY BILL | −₹940.00 |
| 11/07/2026 | Health | UPI-APOLLO PHARMACY | −₹356.00 |
| 12/07/2026 | Investments | ZERODHA SIP JULY | −₹5,000.00 |
| 13/07/2026 | Food & Dining | UPI-BLUE TOKAI COFFEE | −₹240.00 |
| 14/07/2026 | Interest & Dividends | INTEREST CREDIT SB AC | −₹412.33 |
That's the built-in rules alone. Sign up and the AI asks about anything it can't place — then remembers your answer.
Get started freeReads the statement your bank already gives you — any bank, any format
The problem
Your bank app lists transactions.
It never tells you where the money went.
Rows of cryptic UPI strings aren't insight. This turns that raw statement into a clear picture you actually understand — and can act on.
Features
Everything you need to stay on top of your money
No bank login, ever
Upload, don't connect
No net-banking passwords, no Plaid, no Open Banking, no Account Aggregator, no sync permissions. Export the statement your bank already gives you — CSV or PDF — drop it in, and see it sorted in seconds. Unknown bank format? The AI maps the columns once and remembers.
- Works with statements from banks worldwide — Chase, HSBC, HDFC, Revolut and more
- Reads UPI, card and bank-transfer descriptions the way statements write them
- Your credentials never touch the app
July statement
Sorted in 4s- 02 JulUPI-SWIGGY BANGALOREFood & Dining−₹412.00
- 01 JulSALARY CREDIT JULYSalary+₹52,000.00
- 05 JulAMAZON PAY ORDERShopping−₹1,249.00
- 10 JulTNEB ELECTRICITY BILLUtilities−₹940.00
- 12 JulZERODHA SIP JULYInvestments−₹5,000.00
Where it went
The core idea
AI that asks, never guesses
Rules you control do the routine work. When something is unclear, the assistant asks — "BLUE TOKAI → Coffee?" — and one tap teaches it forever. Nothing is silently mis-filed, and the AI never writes a category on its own.
- Unknown merchants become a one-tap question, not a wrong guess
- Your answer becomes a rule automatically
- At most one question per merchant on import
Where do these go?
UPI-BLUE TOKAI COFFEE
13 Jul · −₹240.00
Remember my answer as a rule
Ask in plain English
Chat with your money
"How much did I spend on food last month?" "Will I make it to month-end?" Real answers computed from your real ledger — never made-up numbers. Snap a receipt and it becomes a transaction you approve.
- Every figure is computed server-side, not guessed by the model
- Receipt photo → transaction you confirm
- The assistant proposes; you always confirm before anything saves
How much did I spend on food last month?
You spent ₹8,240.00 on Food & Dining in June — about 12% of your spending, across 21 orders.
Your categories, your rules
Rules you control
Categories stay yours. Build simple merchant rules once and every future statement sorts itself the same way — consistently, predictably, no black box.
- Editable keyword → category rules
- Deterministic: the same input always sorts the same way
- Import badges show exactly why each row was categorised
Your rules
SWIGGY→Food & DiningRuleUBER→TransportRuleTNEB→UtilitiesRuleZERODHA→InvestmentsRule
Plan ahead
Budgets & occasion spends
Set monthly budgets, and separate occasion budgets for Diwali, Christmas, Ramadan, weddings or the holiday season — with a countdown so you see the day approaching before the spending does.
- Occasion budgets with preset dates for festivals & holidays
- Countdown chip and gentle over-budget warnings
- Save-log to track money you set aside
Diwali shopping
4 days to go₹2,800 left · on track
Stay ahead
Forecast, loans & nudges
A month-end forecast projects where you'll land. Track EMIs and loans with paid schedules. Proactive nudges flag unusual spends, due subscriptions and a projected shortfall before it happens.
- Month-end projection from your real pace
- EMI / loan tracking with a paid-off schedule
- Alerts for anomalies, subscriptions and shortfalls
Month pulse
ProjectedOn track to spend
₹41,300.00
Projected left
+₹10,700.00
Last 6 months
Food is running 38% above your 3-month average.
How it works
From statement to clarity in three steps
Upload your statement
Export the CSV or PDF your bank already gives you and drop it in. No login, no sync, no waiting.
It sorts and asks
Your rules categorise instantly. Anything unclear becomes a one-tap question — never a wrong guess.
See and chat with it
Watch where your money goes, ask questions in plain English, and get nudged before you overspend.
See everything
One clear picture — on web and your phone
Your statement, sorted and visualised, with a chat assistant a tap away.
Spending by category
- Food & Dining30%
- Shopping22%
- Utilities18%
- Transport16%
- Other14%
How much did I spend on food last month?
You spent ₹8,240.00 on Food & Dining in June — about 12% of your spending, across 21 orders.
Built for the world
Money the way it actually works — wherever you are
Designed around real statements, real spends and the occasions that matter to you, in your own currency. Starting in India and rolling out worldwide.
Your currency
Every figure in your currency, formatted for your region.
UPI, cards & wallets
Reads how transactions appear on statements worldwide.
Occasion budgets
Diwali, Christmas, weddings — budget for any occasion.
No bank login
No Plaid, Open Banking or Account Aggregator consent.
Be one of the first to use it
We're in early access and building in the open. Start free today, and your feedback will directly shape what gets built next.
Built to be trusted
Serious about your money and your privacy
The boring engineering that means you can actually rely on the numbers.
The AI never writes on its own
Every AI suggestion — a category, a transaction from a receipt, a budget — waits for your explicit confirmation. Silent categorisation only ever comes from a rule you made.
Assistant suggests
Add ₹240 · Coffee (cash)
Numbers that reconcile
A double-entry ledger means your totals always add up.
AI usage is capped
Hard limits enforced in the database — no runaway costs.
Your data stays yours
Export it or delete it whenever you like.
No bank login ever
You upload a file; we never see your credentials.
Pricing
Free while we're in beta
Start on a genuinely useful free plan today. A paid Pro plan is on the way — no card needed now.
- Upload CSV & PDF statements
- Rules you control + ask-before-categorise AI
- Chat with your money & receipt scanning
- Budgets, occasion budgets & loans
- Month-end forecast & smart nudges
- Installable web app (PWA)
- Higher AI limits
- Multi-account & family sharing
- Priority support
- Advanced reports & exports
No payment taken today — Pro pricing is indicative.
FAQ
Questions, answered
No. You never share net-banking passwords or give any sync consent — no Plaid, no Open Banking, no Account Aggregator. You upload the CSV or PDF statement your bank already gives you, and everything is read from that file. Your credentials never touch the app.
It reads standard statement exports from banks worldwide — including Chase, HSBC, Barclays, Wells Fargo, HDFC, ICICI, Revolut, Monzo and many more — and understands UPI, card and bank-transfer descriptions. For an unfamiliar format, the AI maps the columns once and remembers it for next time.
Your data is yours. The landing-page demo runs entirely in your browser and uploads nothing. Inside the app, your numbers sit behind per-account isolation, the AI can never write anything without your explicit confirmation, and AI usage is capped at the database level.
Your bank app lists transactions; it doesn't tell you where the money actually went. This sorts every transaction into categories you control, answers questions in plain English from your real numbers, and forecasts where your month is heading.
Never. The AI only proposes — a category question, a transaction from a receipt, a budget. Nothing is saved until you tap confirm. Silent categorisation only ever comes from a rule you created, not from the AI.
More questions? See the full FAQ.
Start seeing where your money goes
Free during the beta. No bank login, no card, no catch.
Works beautifully on your phone — add it to your home screen and log a spend in seconds.