Know where your money actually goes.
A plain ledger across your banks, cash, cards and loans — plus the bills you split with friends. Encrypted so that nobody, including whoever runs this server, can read your figures.
No email. No card. A phone number and a passphrase.
What it does
Everything you move money through, in one ledger.
Every bank, wallet, card and cash pile, with its own running register.
Cash from an ATM moves to your hand; it becomes an expense when you spend it. Same for paying a card bill.
One shop run can be part groceries, part household. Refunds net back against the category they came from.
Groups, one-to-one tabs, settle-up — and your share lands in your own ledger, the rest as money owed to you.
What you owe the bank and what a friend owes you. Principal reduces the debt; interest is a real expense.
What is due next month before it lands. Where it went, what changed, a twelve-month trend.
The register
Every rupee has a type, an account and a place it went.
Expense, income or transfer — and a transfer is never counted as spending. Split one receipt across categories; a refund nets back where it came from.
Start your register| 07 Sep | transfer HDFC Savings → Amex | 12,400.00 |
| 06 Sep | expense Transport · Metro card | 1,899.00 |
| 05 Sep | expense Rent · Landlord | 28,000.00 |
| 02 Sep | expense Groceries + Other · 2 lines | 3,650.50 |
| 01 Sep | income Salary · Zoho | 1,20,000.00 |
The analysis
See the month while it is still happening.
Where it went, what changed against last month, how this month is tracking day by day, and a year of in and out — drawn from your own figures, on your screen only.
See your spendingShared
Split the trip. Keep your own books.
Groups and one-to-one tabs, any split method, a settle-up plan that clears the debts in the fewest payments. Your share lands in your ledger as spending; the rest as money owed to you. Nobody can write into anyone else's ledger.
Start a group- Priyaowesyou3,000.00
- Raviowesyou2,400.00
- PriyaowesRavi600.00
Simplified: two payments clear everything.
How the privacy works
Your passphrase unlocks a key that only you hold. We store what we cannot read.
Amounts, payees, notes, dates, the names of your accounts and categories — even your phone number. A stolen database yields row counts and timestamps, not one figure.
There is no reset link, because a way back in for us would be a way in for someone else. A recovery code, shown once, is your second key.
Lose both your passphrase and your recovery code and the data cannot be recovered by anyone. Read the full terms.
Where things stand
Start with your first account.
A phone number and a passphrase. Two minutes.