Know where every rupee is going before it goes.
Envelope budgeting built for the way Indian banking actually works — UPI noise, cards on half a dozen cycles, and statements locked behind your PAN.
Free for noncommercial use · Hosting from ₹249/month · No telemetry, ever
What do you want to fix?
Pick the one that sounds like your month.
Money disappears and I cannot say where
Every rupee is assigned to a job before it is spent, so the month is decided in advance rather than reconstructed afterwards.
Show me →My credit cards are out of control
Seven cards on seven cycles, ranked by what falls due next — and spending on one reserves the cash to clear it the moment it lands.
Show me →Entering everything by hand is too much work
Statements, CSVs, bank alerts and your history from YNAB or Actual become a review queue. Nothing posts itself, but nothing needs retyping either.
Show me →I am always spending this month’s income
Hold this month's income for next month, and keep holding, until you are spending money that arrived weeks ago.
Show me →I do not know what my loans really cost
Real cost, the reducing rate behind a flat quote, and what prepaying actually saves — in tenure and in rupees.
Show me →I do not know if I can ever stop working
A target built from what you actually spent, against the assets that could actually pay for it — and the years a locked provident fund leaves uncovered.
Show me →I do not want my finances on someone else’s server
It runs on your machine, in one container, with no telemetry and no third party. The database is a file you own.
Show me →Give every rupee a job
Income arrives and you hand it out — rent, groceries, the card bill, the thing in March you keep forgetting. When Ready to Assign hits zero, the month is decided.
- Rollover carries every leftover, and every overspend, into next month
- Overspending is shown, never hidden — cover it now or let it reduce next month
- Targets, and one tap to fund all of them in the order you arranged
Your cards, in the order they fall due
Spending on a card moves money into its payment envelope straight away, so the cash to clear the bill is already set aside. One screen ranks every card by what is due next.
- What is owed, what is set aside, and what has nothing behind it
- Statement amount, date, due date and minimum once you record one
- A shortfall is never reported larger than the card actually owes
Money gets itself in
Twelve Indian banks' statement PDFs, opened in-process even when they are password-protected. CSVs, bank alerts, a consolidated statement for your holdings, and the exports of YNAB and Actual Budget if you are moving across.
- Five dedupe tiers, so one purchase never lands twice
- Every parse checked against the statement's own closing balance
- File a payee twice and a rule is proposed — never applied behind your back
Know what the whole picture is worth
Holdings as units with FIFO lots, so cost basis and XIRR are real rather than estimated. Net worth split into what you saved, what the market and the exchange rate did, and what you paid off — including what you owe family — and the parts add up to the change.
- Mutual funds and currency rates refresh themselves; every price carries its date
- Fixed and recurring deposits, PPF and EPF value themselves from their terms; gold and anything else hand-valued is updated in one sitting
- None of it ever appears on the budget screen — growth is not income
Three things it will not do
The promises are as much about what is absent.
Ask you to trust anybody
No telemetry, no analytics, no third party — not even to sign in, since a password is built in and Google is optional. Self-host and nothing leaves your machine at all; host with us and your data sits in its own database, never a shared table with your row in it.
Post anything behind your back
Every imported row waits for a person, with its raw text kept beside it. Rules are proposed, never silently applied, and each proposal states what it inferred from.
Make it hard to leave
The database is one SQLite file you can open with anything. The export is complete and documented. Nothing about the format needs this app to read it.
Hosted
Would you rather not run a container?
Ask for an instance and we will set one up for you — your own server, your own database, nothing shared with another household. From ₹249 a month. Tell us where to write and we will come back to you to agree the details.
Two ways in, and one of them is free forever
Run it yourself in five minutes — one container, your machine, every feature. Or ask for an instance and we will run it for you, on your own server.
Get the source Read the setup guide