About
Understanding your money shouldn't cost your privacy
We're building the money app we wanted for ourselves: private, global and genuinely clear. No bank logins, no black-box categorisation, just your real numbers, explained plainly.
Our mission: give everyone a clear, private picture of their money, without asking for the keys to their bank.
What kept bothering us
Money apps open by asking for your bank login. And once they're in, they silently auto-tag your spending, quietly getting a good chunk of it wrong. You end up trusting numbers you can't check.
What we did instead
TrackYourPenny reads the statement you already download, no credentials, ever. Your rules do the routine sorting, and anything unclear becomes a one-tap question rather than a silent guess.
Underneath sits a proper double-entry ledger, so your totals always reconcile, and a chat assistant that answers from those real numbers instead of inventing them. We're starting in India, tuned for rupees, UPI and festival budgets, and rolling out worldwide from there.
What we value
The principles we build by
Privacy first
We'd rather ask you to upload a file than ask for your bank password. That constraint shapes every feature.
AI that assists, never overrides
The assistant makes you faster; it never makes decisions for you. You confirm anything that touches your data.
Clarity over dashboards
Not a wall of charts. A clear answer to 'where did my money go, and am I okay?'
Honest about what's real
We tell you plainly what's shipped and what's still being built. No vapourware in the marketing.
Our team
The people behind it
A small group who built this the careful way. Every role below reflects what they actually shipped.
Anand Sundaramoorthy
Product & Full-Stack Engineer
Built the product end to end (the double-entry ledger, imports, budgets and loans) plus the web experience and this site.
LinkedIn
Melvin Joshua
AI Engineer & Developer
Owns the assistant: the chat and vision pipeline, multi-provider fallback, strict token caps and prompt-injection hardening.
LinkedIn
Ashwin Kumar
Product Engineer & QA
Builds and rigorously tests the product end to end (every module, from the dashboard, budgets and loans to imports) and shapes the UI/UX across both the app and this website.
LinkedInRoadmap
Where we are, where we're going
Now · beta
Free early access, India-first
The full product is free while we're in beta, tuned for rupees, UPI and festival budgets.
Next
Worldwide rollout
Region-aware currency and banks so it works cleanly wherever you are.
Then
Pro plan
Higher AI limits, multi-account and family sharing, advanced reports. Free stays genuinely useful.
Later
Deeper insights
Richer forecasting and goals, guided by what early users actually ask for.
Start seeing where your money goes
Free during the beta. No bank login, no card, no catch.