Features
A better outcome for your income.
The engine first, because the engine is the product. Then how money gets in, which is the part that decides whether a budgeting app survives month three.
Give every rupee a job
Income arrives and you hand it out. When Ready to Assign reaches zero the month is decided — and next month opens with every leftover, and every overspend, already carried forward.
- Rollover under whichever overspend model you chose
- Overspending shown, never hidden
- Both models ship, and switching re-derives your whole history
GuidesBuild your first budget · Assign, move and hold · When you go over
| Feature | What it does |
|---|---|
| Two overspend models | Reduce next month's Ready to Assign, or carry a negative category balance. Switchable, and switching re-derives every month since. |
| Cover overspend | One tap to move from another envelope, with ranked suggestions for where to take it from. |
| Add-on cards | One member's card on another's account: one balance, one statement, one payment — but every transaction records which card and whose. |
| Targets and auto-assign | Fund every target in the order you arranged the budget, so what matters is funded first and the shortfall lands where you can see it. |
| Hold for next month | Park income for next month until you are a full month ahead. When a spare month is sitting unassigned, the app says so. |
| Forward recompute | Edit any past month and every month since re-derives under the active model, as one undoable batch. |
| Explain this number | Ready to Assign and every category balance drill into the events that produced them. |
Cards stop being a surprise
Spending on a card moves money into its payment envelope the moment the charge lands, so the cash to clear the bill is already set aside. One screen ranks every card by what falls due next.
- Owed, set aside, and what has nothing behind it
- Statement amount, date, due date and minimum
- A shortfall is never reported larger than the card owes
- Every charge tagged with the statement cycle it bills in
- Convert a purchase to EMI, name it after what you bought, and the card stops asking for it twice
GuidesCredit cards
Or keep your money separate
Most households pool everything, and that is the default. For the ones that would rather not, each of you can keep your own accounts and put an agreed amount toward the shared bills — without a rupee moving between accounts, and without telling anyone what it came out of.
- A budget of your own, with its own envelopes and its own Ready to Assign
- Private accounts and cards — genuinely private, not just hidden from a list: out of totals, exports and the activity log too
- Commit ₹40,000 a month by assigning it, not by transferring it
- Pay a shared bill from your own account and your commitment falls
- Shared cards, add-on cards and split receipts all land in the right budget
- Reports and Query ask whose money, rather than assuming
- Leaving is handled: nothing is deleted, and the balance between you is settled first
GuidesKeeping money separate
Nobody is in debt to their partner
If you have paid for more of the household than you put aside, you are ahead — not a creditor, and your partner is not in default on the electricity. A lopsided month can end three ways, and the app is careful that they are not the same thing.
- Put it down to me — your share this month was simply larger
- I'll pick it up — the other of you commits it instead
- Call it even — the only one that lets something go, and it becomes ordinary spending on the giving side, because the money still has to come from somewhere
GuidesSquaring up a month
Money gets itself in
Drop in a statement and it is parsed, checked against its own closing balance, and queued for you. Nothing posts itself — but nothing needs retyping either.
- Eleven Indian banks, password-protected PDFs included
- Bank alerts become review rows within seconds
- File a payee twice and a rule is proposed, never applied silently
GuidesImport statements · The review queue · Rules and automatic filing
| Feature | What it does |
|---|---|
| Statement PDFs | Eleven banks plus broker contract notes. Password-protected files are opened in-process: no external tool, no library. |
| Password derivation | Work the password out from your saved name, date of birth, PAN, mobile or card last-four, so nobody types one. Opt-in, never exported, never logged. |
| Reconciliation check | Every parse is verified against the statement's own closing balance. On a real 848-row statement it reconciles to the paisa. |
| CSV import | Header detection, Indian amount formats, UPI narration extraction, saved per-bank column mappings. |
| Consolidated statement | The monthly CAS is the primary way holdings get in. Rows reconcile against existing lots rather than duplicating. |
| Five dedupe tiers | Exact, strong by reference, probable, weak, and manual-versus-imported — so one purchase never lands twice from an alert, an email and a statement. |
| Gmail ingestion | Opt-in, read-only. Reads only the banks' own addresses; an alert becomes a review row in seconds. |
| Receipts | A photo or PDF per transaction, stored in the database and served so no device caches it. |
Ask it anything, get the real total
One table you can filter, group and export. The totals cover every row that matched, not the rows that happened to fit on screen — a distinction that turns out to matter.
- CSV export carries the same figures you saw
- Charts are server-rendered SVG; no charting library, no tracking
- Every computed figure can explain itself
GuidesQuery and export · Reports
| Feature | What it does |
|---|---|
| Query | One filterable, groupable table everything else drills into. Totals sum every matching row — the page you see is a page, and says so. |
| Reports | Income against spending, category trends, loan interest by financial year, realised gains split by holding period. |
| Schedules and cashflow | Recurring items and money coming in, with detection, editable and deletable; marking one paid or arrived posts the transaction. A forward projection answers whether the balance holds to the 30th. |
| Month close | What the month did, the four-way net-worth change, a dated snapshot, and whether next month is funded. Locks nothing. |
| Search | Across cleaned and raw imported text, from anywhere. |
Understand what the loan actually costs
A flat rate quoted at 11% is not 11%. The app shows the equivalent reducing rate, the lifetime interest, and exactly what a prepayment buys you — in months and in rupees.
- Tenure reduction against EMI reduction, side by side
- Instalments carry the lender's own principal and interest split
- Drift surfaced when your projection and theirs diverge
GuidesLoans
| Feature | What it does |
|---|---|
| Interest models | Reducing balance and flat rate, with the equivalent reducing rate shown whenever a lender quotes flat. |
| Disbursements | Per-tranche destinations: a builder-paid tranche raises the liability only; a personal loan into savings arrives as income. |
| Prepayment | Tenure against EMI as the headline comparison, with interest saved and instalments saved. Reducing tenure is the default. |
| Rate resets | Both options a lender must offer, priced at the rate you type against the balance you actually have — and the one you pick is the one applied. |
| Foreclosure | Settling early records the lender's charge against an account and an envelope, so the saving you compare against is the one actually on offer. |
| The EMI is budgeted | A loan's payment envelope carries a monthly target equal to its EMI from the day the loan exists, and rate changes move it. |
| Drift | The app projects, the lender reconciles. When the two disagree, it says so rather than silently adopting either. |
| Family lending | Lent and borrowed, derived balances, write-off. |
The whole picture, without polluting the budget
Holdings as units with real lots, net worth decomposed into what you saved and what the market did — and none of it allowed anywhere near the budget screen.
- XIRR as the headline return, not a naive percentage
- Selling shows the exact lots it will consume before you confirm
- Unrealised gains are never income
GuidesPortfolio · Net worth · Hand-valued assets
| Feature | What it does |
|---|---|
| Units and lots | Holdings as units with FIFO lots, so cost basis, the realised split and XIRR are derived rather than estimated. |
| Price feeds | Mutual funds and currency refresh from keyless public APIs; equities use a free-tier key. Every price carries its date. |
| Hand-valued pots | Gold, retirement, anything outside the consolidated statement — all updated in one sitting. |
| Net worth | The figure with its as-of date, history, and the change decomposed into saved, market, currency and debt repaid. |
| The firewall | Portfolio value never appears on the budget screen, in any form. Growth is not income, and that is an acceptance test. |
Built to be run by one household, for years
Operational things that only matter once you depend on it.
GuidesActivity and undo · Backups and health · Settings and tokens
Everything undoes
Thirty days, on every action, from an append-only log. Where a later edit touched the same record it shows what it would discard first, and refuses outright when the record is load-bearing.
Backups that are proven, not assumed
A scheduled job restores the latest backup into a scratch database and compares control totals. A backup nobody has restored is a hope, not a backup.
Privacy that is tested, not promised
Three separate checks hold the line: every screen rendered as the wrong member, every function that can name a viewer required to, and every addressable thing asked for by somebody who should not have it. Each was written after a leak the others could not see — including a receipt that downloaded byte for byte.
Nothing leaves without you
No telemetry, no analytics, no crash reporting. Bank access is read-only and opt-in, and the statement identity is excluded from every export by a test that asserts it.
| Feature | What it does |
|---|---|
| Sign-in | Google SSO against a closed allow-list, enforced on every request. No password store. |
| Impersonation | Read-only “view as” another member, always logged, writes behind an explicit toggle. |
| API tokens | Scoped read or read-write, shown once, stored as a hash, and structurally unable to sign in or mint more tokens. |
| Universal undo | Thirty days, from an append-only log. The undo is itself an entry — nothing is edited or deleted. |
| Verified restore | A scheduled job restores the latest backup into a scratch database and compares control totals. Failure fires a webhook. |
| Feature flags | Loans, assets and multi-currency each disableable. A disabled module vanishes from navigation and reports. |
| Goals | Long-horizon savings with their own envelopes, a target amount and an optional date, shown as progress against both. |
| Schedules | Recurring bills and income, with a sixty-day cashflow calendar showing what lands when and where the balance dips. |
| Month close | A monthly ritual that records income, spending and what was assigned, takes a net-worth snapshot, and can be reopened. |
| Reconciliation | Check an account against the bank’s balance on a date. The checkpoint breaks if anything before it changes later, and says so. |
| Receipts | Photos or PDFs attached to a transaction, stored in the database rather than on disk, and downloaded rather than rendered. |
| Tags | Free labels on transactions, and a tag can carry its own budget over a date range — useful for a trip or a project. |
| Search and query | One box for everything, and a filterable table whose totals cover every matching row rather than the page you can see. |
| Reports | Income against spending, category trends, a spending calendar, where the month’s money went, loan interest and realised gains by financial year. |
| Privacy | Private accounts, envelopes and loans stay out of other members’ lists, reports, exports, activity log and totals. Three automated checks hold it. |
| Themes | Light, dark or follow the system, applied in the first response so the wrong one never flashes. |
| Installable | Add it to a phone’s home screen or a desktop dock. It needs the server; there is no offline mode. |
See the engine work in ten seconds
A live envelope grid running the same arithmetic as the app. Assign money, watch Ready to Assign fall, and push a category over to see what red means.
Try the live demo